Hi, I was googling for financial services help. Came across a company here in NYC. The "advisor" who calls themselves a "fundraising com pay" for companies and individuals told me to give him access to my credit report on creditchecktotal.com. My score is up to a about a 748 across all 3. He told me he will be "fundraising" me credit lines than suggesting only trusted sources from other clients for investment such as a townhome in Harlem that has too low of a FICO for the $200k home equity loan they need on this townhome for improvements such as a new roof. I would get 10% out of this equity loan. Then, he directed any credit lines that come to me via a credit union
he named (which I looked up and is a real credit union) I must send him any invoices once I receive. I then asked if any purchases will be made on payment invoices his answer (copy & pasted from our emails "No, just send me payment invoice and nothing is charged you can close down whenever you like, it's just to raise lines of credit so that you look better for borrowing later on. Please do not go out and buy a car or make a large purchase when you receive your card in the mail and invoice."
I have asked many questions. He has never pressured me. Today, I open up my experian.com report and my score is still a 748 but shows 4 new hard inquiries I did not know about and my debt/ratio is way down (again, score has stayed the same at 748).
I asked a criminal fraud expert on here and she said to ask a finance expert to make sure. They were registered with NY Secretary of State a year ago and he was upfront also with saying they've only been in business for a year. I will send you company name and website address, etc, as well when you reply to the question.
I am very confused. Thanks! If you can shed some light on this for me, I will give you a $20 bonus. I tend to be a suspicious person when it comes to such things.