[Karen37a]

Reason #1 doesn't apply since these clients get AU cards and never get sent to them, and they don't have access to the credit line.

this isn't true the person can hand the other person a credit card ( with their name on it) so they have access to it

Add

People can also report their rent payments to their credit thru numerous companies Like rent track and rent reports. Some of these report to all 3 some only one

Also, I heard of"self-lender" which is a company that lets you pay yourself back the money they gave you and put into a Cd or secured account.

The reality is we either consider our selves "consultant like" or not. Helping people fix themselves is the reason I hold a low default ratio.