[JoeLepkoski]

Every ISO and brokerage I have worked for or have a knowledge of has blatantly lied to merchants, and/or willingly violated the law. No exceptions. Fake approvals, illegal fax marketing, spam marketing, fees that are charged in advance with no funding ever taking place...the list goes on...

Not to mention re-dating an application every 30 days in order to be able to have credit pulled again and again when shotgunning the merchants docs out, before the merchant knows it they have 30 credit inquires in 90 days.