Credit Score Scheme Raises Fraud Worries

When your credit scores don't qualify you for the home mortgage you want, where do you turn?  That's an especially timely question now, as banks and mortgage companies tighten underwriting standards for applicants with less than perfect credit.

Federal and state authorities fear that some borrowers are turning to a fast-growing business on the Internet: Companies that claim to boost scores by transplanting the credit DNA of people with excellent payment histories into the files of people with subpar histories — ostensibly without breaking any law.

Read more about these credit score schemes here:

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