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Important information

• Government Actions:

  Government Action: BBB reports on known government actions involving business’ marketplace conduct:

  Stipulation and Final Agency Order PersonalTConsulting LLP d/b/a Personal Tradelines (“Personal”), and the Administrator (“Administrator”) of the Colorado Credit Services Organization Act (“CSOA”)
  

  The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

  
  

  On December 4, 2025, the Administrator of the Colorado Credit Services Organization Act though the State of Colorado Department of Law entered into a Stipulation and Final Agency Order with PersonalTConsulting LLP d/b/a Personal Tradelines. The Order resolves allegations that the business charged consumers in advance of performing services, failed to provide required written disclosures, and did not give consumers a full and detailed description of the services offered, in violation of Colorado law governing credit services organizations.

  
  

  The settlement alleges that Personal Tradelines marketed services claiming to improve consumers’ credit scores by adding them as “authorized users” on credit card accounts belonging to people with stronger credit, a practice known as piggybacking. Personal Tradelines also allegedly charged consumers in advance, made unsubstantiated or misleading representations about the benefits of purchasing tradelines—revolving credit lines found on a consumer’s credit report—and failed to provide disclosures required under state law.

  
  

  Personal Tradelines also advertised that buying tradelines was “one of the best methods for potentially improving your credit score” and claimed consumers could “share the credit history” of another person’s account even though those consumers were expressly prohibited from using those accounts or interacting with the account owners or creditors.

  
  

  Personal, and its officers, directors, agents, servants, employees, managers, members, and any and all other persons, corporations, associations, or other entities—including Silver Bullet Consulting LLC d/b/a Boost Credit 101— acting by, though, on behalf of, or in active concert or participation with Personal, shall not engage in, now or in the future, any conduct described herein that violates the CSOA including, without limitation, the following: charging and/or receiving money prior to full and complete performance of its services to the consumer; making, counseling, or advising any buyer to make any statement that is untrue or misleading to a credit reporting agency or to any person who has extended credit to a buyer or to whom a buyer is applying for an extension of credit with respect to a buyer’s creditworthiness, credit standing, or credit capacity; making untrue or misleading representations in the offer or sale of its services; engaging in acts or practices that operate as fraud or deception; failing to provide required written disclosures; failure to maintain consumer-signed copies of disclosures; and failure to provide consumers with a full and detailed description of services to be performed. C.R.S. §§ 5-19- 104(1)(a)–(c); 5-19-105; 5-19-106; and 5-19-107(1)(c).

  
  

  Under the terms of the Order, Personal Tradelines agreed to cease the cited practices, comply with all requirements of the Colorado Credit Services Organization Act, discontinue offering its services to Colorado consumers, and pay $20,000 in administrative penalties. The Order was for settlement purposes only and should not be considered an admission of wrongdoing.

  
  

  For more information please contact the State of Colorado Department of Law at https://stopfraudcolorado.gov/ (opens new window).

  
  

   

  
  

   

  
  

   

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