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SAN DIEGO — Ted Stearns, the owner of Tradeline Solutions, a company that facilitates the addition of “authorized users” to strong credit lines as a means of helping consumers boost their credit scores for a fee, is quite open about what his company is seeking to do.

“I found out early on as a financial advisor that there is whole population of people out there who of no fault of their own have wound up with a lower credit score than their circumstances really deserve,” Stearns said. “We help consumers get credit scores that more accurately reflect their real circumstances and that helps lenders make better credit decisions.”

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