Excuse....while I go change my shorts!! (Your comment is hilarious)😂

🤣🤣🤣🤣

bwahhhhhh!!!!!!

I don't get it

@@bootscooty You don't watch Scooby Doo? It's a cartoon show with college age kids solving crime capers.

I felt this. 😂😂

I went from 760 to 650 in 2 weeks cause some place I never heard of report me 🤣 talk about penthouse to the outhouse

Or paying off a loan..

yup

OR your score only gets updated after youve used some credit as opposed to them updating your score after youve been paying everything off, etc. They know how to time it just right to keep your score looking like subpar

Lol

Yep! KZfaq is full of credit repair BS videos that don't work. She deserves getting paid for being effective.

It sounds like she would do whatever it takes to make sure she got those people's score up. That's what I call great customer service

She just doing what politicians do all the time. Smh let her out 😅

​@@la7era1u54& back in business foung her on TT.😂

Just because you don't like the game doesn't mean you can play cheat and not suffer consequences

You created your KZfaq account a month prior to post this comment. Get that sus nonsense outta here

Thank you so much for saying that 😮 Leave this lady alone - she unveiled the truth about credit game for real

@@HRH_Ak22 here comes the other 9 month burner account 🙀

😂😂😂😂

🗣🗣🗣

Biden's 85 billion dollar going away gift for Taliban was pretty amazing though

@@waterheaterservices And now he’s funneling money into the war that Ukraine is most definitely gonna lose. Thank god the Russians will get all those funds and weapons when they win. Just what we needed.

True

Period

welcome to amerika

Cause she was helping the poorer demographic, and thats not allowed here in America🇺🇸

Preeeeeeeeach!

they pay people off, or have relationships with people to protect themselves. its all a game.

You know she black and can't do that

Lmao 😂😂😂

😂😂😂

😂😂😂 damn I needed that 750+ credit score.

Okay

Dont go to church again saying theft is a blessing. God blesses honest work its all over the Bible.

Just WOW. She did a service? What do you think is going to happen with all these people that used the service?

Woooo, I didn't know making a false police report,you can call it a service 😮😂😂😂😂 you are really smart 🎉🎉🎉

Wrong. She’s a scammer

There you go! Big business screws people every single day. Rarely do they go to jail.

How much do you want to bet that those companies start pursuing those customers for fraud? Or at the very least put those accounts back on the reports as charge offs if it's been less than seven years.

Right?

And that legging outfit makes her look like a bad cat woman cute criminal😁

indeed 😁

Hard work, and dedication are huge factors in successful legitimate business. It's not just being smart. She lacked those traits.

Shit Feds gone take that too

Nothing, that's why she was doing what she was doing lol

​@@PowderedToastMan661 it was hard work in itself to come up with a scheme like that

A lot of people are repulsed by honest pay.

she's guilty-the usual suspect. hope she rot in jail or prison.

​@@neilparedes-chavez1688hope somebody stand over you

facts bro!!

So just allow irresponsible ppl a magic 500 increase in credit score? Y’all acting like she was providing education or something😂

This was by design

Westworld

Exactly. They skip over all the important life skills, LAWS OF THE LAND, trades (which used to be in schools but not now smh), and friggin common sense!

Facts !!!!

Your family is supposed to teach you that stuff. Like you wouldn't skip senior predatory lending class anyways lmao. Besides they can't teach you about predatory lending before they get you to take out college loans.

Is it wrong to let lenders know how likely you are to not repay a loan?

yeah .. the real thing is, your credit rating can never be "fixed", even though 100% of the info is totally false

Who ever called and asked questions is a dumb snitch

@@barryon8706 exactly!

Why? Because you have bad credit? Don't borrow then.

My unknown one was for 19.99 smh 🤦‍♂️ it caused me to let stuff go during covid “like fucket” it’s gonna be bad for 7 years anyways Lmao 🤣 I was going Insane tryna fix it , and they wouldn’t and I said ima keep my mental health right fucj you credit score 🤦‍♂️😂

Then pay the 5 dollar bill on time clown

Let me tell you I had a credit card balance of like $100 my limit was like 2000k and dropped my credit 75 points

in the long run she wasn't doing anyone a service. You Americans seem to forget the 2008 GFC that you caused

Not exactly. Robinhood gave money to the poor, without compensation. She got paid for improving their credit. It was a business not a charity. Also, there's a chance these people put themselves in a worse position because they have access to take out more debit. Not all, but some people are better off not over leveraging themselves.

right?

I should have used her lol

@@ac_thegoldenboy5218 And your score will go right back tf down maybe even worse

💯

Difference is she built hers illegally. But yeah, I get your point. Her business was illegal from top to bottom while legal companies are better able to hide their scheme within a legit business.

FACTS

Can’t let a free individual get a leg up on the ones who have the control, much less help other people out in the process.

@@mattmurphy7030 when things like the amount you pay on car insurance factor in your credit instead of just your driving record then it just feels like a scam to me 🤷🏽‍♂️

Leave her alone she helping people 😄

Bills paid on time and you WILL have better a better credit score. Just don’t depend on that because anything can decrease the score. Save BIG and borrow from yourself. I do, just for reasons of the games they play with our credit. Took years, but it’s doable. And no, you can’t do criminal activity and not expect consequences.

You literally just have to pay back what you borrowed on time and you’ll be fine lmao

She’s a scammer.

Then fix it yourself. Don’t have to pay someone to do it.

They like being scammed

Doubt it

You sound dumb

@@Ytuber101she got out of it! 😂

She committed a federal crime,while falsifying police reports.Not just one report,but plenty,she will do about 10 years minimum.

📣📣📣📣📣

Because people value money over life

'Cos she wasn't supposed to be smart enough to pull off this type of white collar crime for as long as she'd had. Her mistake was the flashiness of her website. She should've kept it generic without pictures. Someone from one of those credit companies checked her site out 'n made Karen type of investigative calls 😂!

@@okamijubei well ones not good without the other

EXACTLY...

Right makes no sense

Cops have body cams and the reports have to match the body cams you moron.

How about you just don't commit a crime in the first place and then you don't have to worry about police reports

Dumber and dumber lmao

So lending companies shouldn't charge interest or require deadbeats to pay back what they borrowed?

Do you have a better alternative in mind? As a business, clients not paying what they owe is a real problem. Credit benefits both the creditor and the debtor. Nobody wants to do business with someone who doesn't pay what they owe.

how is it criminal? if you dont pay your credit cards then your score goes down. if you pay it then it goes up. its a trust system that is based on merit & truth...so how is it criminal..

It’s not intrusion when you need credit to purchase something because you don’t have the money upfront. 🙄 These companies are just trying to make sure they get their money back for giving out loans.

Hahaha this person clearly just has sh*tty credit😂😂😂. I accepted it because it’s super simple to have very good credit (my lowest FICO is 768 and I’m always opening new lines of credit and if I didn’t I’d be a 850 easy) and if you actually understood this system you might see the benefits of it. 1) PAY YOUR DAMN BILLS!!!!!! If your 30, 60, 90, or 120 days late that will get reported to all three credit bureau’s and you will basically be screwed for the next 7 years unless you basically find a scam like she was offering lol. 2) Credit utilization needs to be in check. I’m super anal about this one and it’s to the point that I never let any card have more than 1% of my credit limit report to the bureau’s because I don’t go off of a due date I memorized the statement close date for every credit card and charge card I have and I pay the majority of each balance before ever receiving a bill so that my Chase Freedom Unlimited card for example with a $12,500 limit is only reporting that I owe $100 even though the past 30 days I charged over $2k on it I paid all but $100 of that by the 10th of the month when my statement closed. 3) this goes along with #1 DON’T HAVE ANY DEROGATORY MARKS ON YOUR CREDIT, if you can ace these top three categories you will be in good shape and if you can ace the others such as average age of accounts, number of credit accounts and hard inquiries you will be on your way to a 850. Like bro the governments of this world all use the exact same credit system this is why the U.S. has debt in the trillions of dollars (and why people that don’t understand credit think that’s a bad thing when it’s actually a good thing I.e. check someone’s personal credit that has no credit cards and no loans compared to someone with 20 credit cards in good standing and a mortgage and car note) but we have a good credit rating because we’ve shown we can manage trillions in debt without issue.

Why? Because the U.S. Congress GAVE THEM ALL PERMISSION. Swell, huh?

Me too…wish I could meet her to fix mine too🤣🤣🤣🤣

😅😅😅🤣🤣🤣🤣💯

No bs

I was thinking the same thing lol

Amen. Lexington Law is stealing $$ left and right but they wanna eff with this this lady for actually helping ppl

Are you being serious? Lmao

@@ownthispwn this happened to a few others that actually helped those with bad credit. ya making it seem like she killed 133 people lmfao if she came to ya im 100% ya wouldve paid if ya score wasnt already in good standing.

You definitely police report along with a Federal report and viola 🤫🤐

Thanks to Obama!

You must be smoking

@@cityclout No I disagree with Russia army and it's not because I'm white

PreaCh!!!

she did something even worse than that she lied to the government smh notice she's in jail for making a false police report but never put police in jail for that or when a karen calls 911 and makes a false report funny how its the black woman going to jail for false police report

Honestly

She cracked the code

…if you borrowed money and dint pay it back, but turns out it wasn’t you that used that money, then yes, you won’t get penalized…this isn’t a secret…it’s literally why the credit companies exist… I swear, it’s like information is on your fingertips and idk what y’all be googling. If someone puts you into some popular stock, y’all think he got motion…yet it’s also on your fingertips you can Google.

facts!

It's bigger than what you think... That's the future of America your credit score.... It's going to be very dangerous

@@kingemmanuelshow549 yep… 100% correct. And it won’t be called a credit score they’re making a new name for it

@@kingemmanuelshow549 I have two college degrees and that sh*t didn't matter when I went and brought my first car and my home yrs ago. My 778 fico score was all that mattered to the banks. So as a black man in racist, godless AmeriKKKa, I concur 100% with your comment. A good credit score and valid driver's license is all that is needed to get ahead today. Everything is a fkn moot point.

Social Credit score. They already have it in China. Cancel Culture is kind of the same thing. You lose all opportunities.

For now cash is king... when you have more than enough cash, you can live without credit. Not for everyone though.

doubtful

She's a genius. Geniuses either end up running companies or they end up in handcuffs. 😐

​@@chriswillis6747 this statement is really something, very true

@@cashmereclown8512 Yeah, 😐🤦🏾

No she's not

You can tell the police seargant feels bad about her arrest for him to say she helped people is a statement that can be used against him thats why he mentioned that she used his name on those police reports. He didnt want her arrested but he also cannot get in trouble himself when theirs over 150 false police reports. What she did was a crime falsifing a police report is a crime making false police reports of faslified police reports is a bigger crime one the officer could get blamed for. I am pretty sure it wasnt the first time it occured it just got so out of hand he couldnt allow it to go on any longer and the person who called the police was probably the only one who gave him information. At my job someone called to verify employment of someone we work from home so I do not know whether person works for us or not but when they asked I just said who? Oh yeah ofcourse and gave them the front desk number, Seriously its 2022 I think this shit is stupid of credit score, 3x the rent, references its all dumb 95% of people lie about it.

wayy to damn much

and is the charge "making false police reports?" only cus thats clearly all she did "wrong" I hope some fantastic lawyer helps her beat this .

So you mean it’s ok to de fraud the system as long as someone gets a better credit score?? LOL🤷‍♀️

They claim she falsified “police reports”

It’s to keep u in debt

If you pay your bills your credit will be excellent.

Not exactly, its the legislators that make the laws they practice under legal. The extremely high apr, giving people loans when they cant afford them. The housing crisis was a perfect example, when you tell poor people they can afford a large home...many of them somehow think they can. When i was 18 i almost bought a house with my friend, i literally had like 20 credit points too low. 1 year later the housing market would crash, and the home would have lost 40% of the value but we would have been on the hook for a 200% loan. Actually, now that i think about it, they were going to give us the house but somebody else put 10,000 down which beat us on the offers. I think credit/bill paying should be a mandatory class in grade school.

Your credit score is what it is for a reason don’t play koi, I’m at 816, never missed a payment on any loan, pay off all my cards on time. This has been the case for more than 10 years my score never dipped below 750

True at the same time people dont be paying their bills on time and over extend their credit but want a perfect score.

lol worked how? She was literally stealing money from banks with fake police reports.

hope she gets probation

She did the "dirty work" to help people.

You know she's in jail right?

Do you realize that makes her just as bad? She was also “gaming the poor”, on a much more personal level.

@@llBryantll please elaborate???

@@llBryantll she helped the poor and “gained” a lil for herself. Victim less crime, she got off on the creditors not the lil ppl.

@@Jmaal89 If anything she's just as bad. You think they're going to just "oh shit she got us" and let the debt disappear, after the find out all these people were lying about fraudulent activity? No lol that debt is right back on their credit and they're out the money they paid her. The state isn't giving it back to them, the states keeping the money and the "victims" are back to where they were before they paid her.

❤

Yes lending money with interest is absolutely as much crime as what she did if not more bankers and landlords aint contribute a thing to the economy but they make profit just warming the sofa on the desk.

Well the high interest rates that we’re being charged is because of what she and others are doing illegally.. write offs increase their insurance premiums, which they pass on to consumers like me n you

Agree

@@dayner989 tell us you don’t know why they’re charging high interest rates without telling us 💀 .

@@1PerfectAgony mother yucker, all they do is take x money and lend to y with interest it is not their money they lending in the first place and they make profit off of somebody money

Facts

Facts happened to me

👏🏾👏🏾👏🏾

🐗

He's just mad that she used his face

So far!

Scammer

@@rdon3575 lol no he ain't

It's only legitimate when they Scam and hustle us. America got our minds so screwed up we think she's the bad person when the Government makes up imaginary student loan debt from out of the sky, sends 50 Billion over to Ukraine when we're struggling with gas prices, food etc, banks discriminating on us and people having to pay mafia rate interest fees where banking institutions reap profits off of a certain credit score. I'm pissed she got caught!!

wall street criminals too. "too big to prosecute"

They have to get paid to make the crime acceptable. Mafia rule #1 the mafia gets paid first.

This^

Typical BLM nonsense

By providing false police reports? Two wrongs don’t make it right Lmao can’t believe so many ppl are on her side.

​@@useruseruser1291two wrongs do make a right..

This is America. You're just a criminal when it comes down to it. You aren't American or anything.

@@Trill225 Trill. More like Troll.

@@Trill225not always.

Until one snitch because it was to good to be true

ya, helping her clients steal money from banks.

@@ventureted sound like a win win situation

@@ventureted the banks are stealing money too. stolen property belongs to no one.

@@Mr.Oldschool8887 sure, if you call having to pay everything back and go to prison too a win.

He so proud you would think he Caught a serial killer

Exactly!!

Facts

He should hide his face. Vote these clowns out of office. They are lying say she made millions

The government itself is a scam

Speak on it welcome to Amerikkka

In some cases they likely ran up credit cards on purpose to fence goods and then filed the reports to clear the charges. Not exactly robinhood.

yes, but it doesnt change the fact she did it falsifying police reports

@@catejedar who cares? how does that hurt the police department or the client

@@yungtooli that's a point she needs to argue. There's no crime if there's no injured party

FACTS

Something tells me you have no firm grasp on how the law works.

You didn't think this through. If people giving loans can't trust that they'll get repaid, they have no reason to give loans.

@@nal101 something tells me that you want to sound smart but you are really not

@@barryon8706 you didn’t think it thru. it worked, she got caught because it actually worked. So what are you talking about

You just as dumb as she is. Facts. Yo mind set is retarded an simple

You're not getting it, the credit scores were returned to normal and had a falsified police report to prove exactly how she lied about each person's credit. This means poor people paid someone for help only to lose money and have their credit be only worse in the end. Not only that many small businesses/sellers lost money because of these falsified reports. She only hurt people, she raised their credit UNTIL the credit bureau caught on and changed everything back.

She profited cash money off of innocent people trying to do the right thing.

@@Sunshinexoxo4795 yea common sense is dead. All the top comments completely misunderstand the story are are acting like she did good for the community. Yikes...

If she was white y’all wouldn’t be this nice

this has nothing to do with the credit bureaus. Also, piece of human garbage has court in October to answer child abuse charges. In 2019 she told her boyfriend at the time to punish her 7 yr old son by running scolding hot water over his body in the shower. It caused serious burns over 25% of his body. But "bless her heart" right? common sense is dead.

Yes, that part!

Lol no debt collectors can’t do that and they get sued for a shit ton of money. Yes you are right about them threatening to sue you for a 15 year old debt, but if you know your rights you can put them out of business.

@@leo29hornsfan they do it to me all the time? Lol. I don't have the time or the money to sue them so I'm subject to harassment based on a lie? That's kind of unfair.

FACTS

@@d.felixphoto2260 you don’t need money to sue them. Contact a debt collection law firm and tell them what the collection agencies do and your attorney will do the rest. No out of pocket expenses because the collection agency has to pay for it and you’ll get compensated for thousands of dollars. Only an idiot would take the abuse

To late now! big girl doing federal time. She better have enjoyed it while it lasted

Well when you find time on your hands. Go ahead and ask her why she didn’t make it a real business

@@DOPExPIRATE federal time's the easiest of all. Everybody is non violent and white collar crime.

That's what im trying to figure out. What does police reports has to do with credit repair? I'm soo confused

@@shon7425 they said in the news article that she would use the police report to tell creditors that the money that was owed was fraudulent.

they can!

But, she's the one that got caught. Why worry about what others have done or doing? There is an old saying, "do what you can stand." She made the decision to commit the crime, even if it did help others, it was still illegal. I don't feel sorry for her. She did what she did and now she has to accept the consequences. I think that we as a people have to stop giving a pass or showing empathy, to criminals, because someomelse has gotten away with it that isn't black. A criminal is a criminal.

if you wanna do something dirty dont get caught!!

@@vmac38 : Now you're making a "race " issue ....and you're underminingly sounding like a bigot

@@michaelwayne1012 That may be the perception, but it's not. I may have been presumptuous in assuming the person commenting is black or if that was the underlying reason for feeling conflicted. However, I make no apologies for how it may sound. It is a common mindset I've heard voiced more often than not, within the communities I've been a part of and grew up in. It's always, comparing what others have gotten or getting away with, instead of focusing on what that person who actually got caught did.

@@michaelwayne1012 The original comment OBVIOUSLY made this a race issue. We know what color the FED board mainly is. Hell, they JUST put the first black woman, ever, on the board this year, Dr. Lisa Cook. You ain't say nothing to the original comment....so you are implying anyone who says this woman did wrong, and have to face the music, is a bigot? You are a part of the problem. That's why Baltimore had TWO crooked female blck mayors embarass us, and now Marilyn Mosby. These black woman need to step up and do right. Period.

Facts

I definitely agree this is bullshit for a case.

Not that smart she got caught lol! 😂 she sellin a lie just so many do. You think these people thinks she’s a hero now all the credit she’s repaired will more than likely be reversed and anything they gained with a credit score that wasn’t true will be charged or need to be returned. Commiting a crime is not smart no matter who’s doing it.

@@tonybankse write that in an email to corporations who’s lie cheat and steal from you everyday. Give it a rest.

@@tonybankse shut up Carlton 😂😂😂

Women have the faith of a mustard seed do not give up on rightous

Trump will fix it in 2024

What was your credit score before and after you were her client?

Some of those guys DO go to prison but I guess that just doesn't fit within your victimhood narrative. They also usually don't get frog marched through court wearing orange - their lawyers usually get them out of that.

So remove her charges because some ceo "repackaged a toxic loan"? The SEC settled plenty of these cases with hundreds of billions in fines. The bailout for the banks was to prevent a further ability to not make loans. And these banks paid them back

If this was a white man committing these crimes, you wouldn’t say shit. Stop it.

Exactly where the hell was she when I needed her lol

You can dispute any debt or collection on credit karma and don’t need proof why your disputing if the company who filed the debt doesn’t respond in 30 days it’s taken off it takes like 2 mins I got a 5,000 hospital bill taken off and my score jumped 80 points

I know where was she or I 10 or 15 years ago???😂😂😂

What part of falsifying police reports don't you understand?

@@KNByam police have been falsifying things all day and getting away with it

I agree!!!!!!

💯 💯

But she did and now she's paying for it

When is Credit Karma gunna get busted then?

Exactly! There are tons of free resources online and at the library to help with cleaning up credit. I write all my own dispute letters to the bureaus. I had late payments taken off. Corrected old/out of date information. I also scrubbed and froze the secondary bureaus.

Pay your bill and don't spend money that you don't have

Lol

welcome to amerika

Yes, its called bank fraud.

Yes, falsely making police reports is a No No buddy

The cops are paid off, and the money comes from banks .

well .. filing FALSE police reports ain't gonna help anyone

@@rhuephus It HELPED her clients get the credit wiped during that time! 😂😂😂😂😂😂 Maybe those people needed to get a car, house, better car insurance rate lol

@@rhuephus so what at least people got they lives together by her acts

If she had gotten just a lil under $100,000 each year she could have made it, but any fool should have known POLITICIANS are not going to let us make more money than they do 😂😂😂😂😂😂

@@rhuephus 😂😂😂

No, she was defrauding anyone that granted those people credit based on a lie. She’s a criminal.

George she’s definitely a criminal but let’s not act like those issuing credit are poor victims. Credit is granted based on fractional reserve rate, credit history of borrower and interests rates. With the current monetary policy, when credit is created it’s essentially just created out of thin air. This is due to the absurdly low fractional reserve rates. With the reckless creation of credit. Those who have access to credit get richer(easier to borrow and pay back) while those without get much poorer(dollars are worth less). Really she kinda evened the playing field. Those without access to credit have become much poorer over the past two years while those with access have ballooned their wealth. I’m not demonizing the wealthy. They just naturally benefit and have the influence to sway policy. It’s not then being evil it’s how it naturally works. On the contrary. Those who are poor will resort to any means necessary when they are in a deep hole getting dig deeper every day. Upward mobility in America is in steep decline. It’s still possible but it’s much harder. It’s not just as easy as saying work harder. I’m a conservative and was raised that I have to work hard to earn anything. I’m totally against handouts but we need to make the system where those who work hard succeed. Not where those who have wealth hoard it all and use wealth to succeed instead of hard work. Many worked hard to get wealthy then used their influence to become complacent. That is reason we are falling behind as a country. Outside of Silicon Valley, innovation is lacking. China is innovating manufacturing, infrastructure, and supply chains to perfection. Here in America the oligarchy enforces status quo.

The problem is most credit lenders are public traded companies. Therefore people's retirement/pensions are tied to their success. She kinda has the Robin Hood thing going for her but at the end of the day the only bottom line that she was effecting were the ROI margins of regular blue collar workers. Unless the people with shitty credit all miraculously became trustworthy borrowers.

This lady BURNED her only child, annnd was scamming. I don't wish jail on people...but if you ABUSE A CHILD....You deserve to be locked up!!!

@@Mm-vr8ss thats deep

Very true.

Not at all. They're just any other entity trying to make a $. The real problem is people being irresponsible with their credit/debt.

@@RJGuitz No they are criminals. They literally decide the lives and liberties of every American by FORCING them to use their systems. Its anti American, its anti liberty and its anti capitalist!

Nope morons who cannot handle their finances are the guilty ones

Blame the credit card companies for your irresponsibility

A damn shame

She really was helping!!!

Helping people who don't pay their bills able to get more credit to now pay back?

@@squalie9 helping people who may be or was financially illiterate and mishandled their credit at a point of time and want to change their life around… because that’s what usually is the case

The way to help that person would be to let them fix their credit through paying their bills over time, not making it disappear. In other words, would this woman give her services on credit to her customers with bad credit or does she require cash??? If not then you and her are hypocrites.