Beware of Kyle Waitley, Credit Report America, and Rent to Own Scams.

The latest scam to hit craigslist and inboxes across America could cost you your identity. The scammer operates under the name Kyle Waitley and he promises you a list of very cheap foreclosed homes for a mere $2 and a credit check.

First Contact

Below is a sample email Kyle Waitley sends out to unsuspecting victims. It’s possible you may have received a different, yet similar email, but the overall gist is the same. The main point of the email is to get you interested in fixing your credit and finding a new home for cheap.

Subject: who wants to go Rent 2 Own home shopping with me this weekend?


Friday is here and I want to know what kind of home you’re interested in…
– ranch
– 2 story
– condo/townhome
– big yard
– etc…

We’ll the National Forclosure list has all of the above PLUS some!

All you need to do is pay $2 bucks (THATS IT!) to access the list and
start shopping for your new home below…


It’s only $2!!!

Look if you’re not willing to invest $2 bucks into your future then
I can’t help you… seriously

What I do is real… I give you the option of picking out your very
own home and having us buy it and RE-SELL it to you on a Rent to Own

And the only way to pick out these homes is from the National Forclosure
list (we CANNOT buy full priced properties… doesn’t make any sense
and the private lenders we use won’t allow it)

The listing service I personally use (and recommend) is below…


They have the…
– largest selection
– most pictures and information on each deal
– constantly updated
– and only cost $2 bucks to get full access!


After you pick out a few properties that you want more information about
email me the direct links of the homes AND your phone number.

Make sure the subject line reads… “Kyle here are my homes”

Now start this weekend off right and get on over to…


Email me back,
Kyle Waitley

ps – I have 3 early showings today so I may not be able to get back to you
until a little later

Clicking through on one of the many URLs ultimately leads you to a site that wants to run a credit check on you to make sure you qualify to use the list of homes Kyle offers. The credit check is supposedly free, but they need to charge your credit card $1 for verification purposes.

Handing over your credit card and private information to these people is a bad idea. Aside from potential identity theft, there are a lot of consumers warning that multiple unauthorized charges are appearing on their credit card statements ranging from $2 to $35. The victims claim that having these charges reversed is proving to be quite difficult.

Experiences with Kyle Waitley and Credit Report America

The following statements are from others who have personally dealt with Kyle Waitley and Credit Report America.

Here is my experience with Kyle Waitley (an alias) and Credit Report America…

Credit Report America’s site states, “Your credit card WILL NOT be charged during the FREE trial period. However, a refundable ONE DOLLAR activation fee will be made because valid credit card information is required…”.

They did attempt to get me to sign up for other services such as credit card monitoring but I declined all of them.

Once I accepted the “free” offer, I checked my bank account and I was NOT charged $1… but there were TWO successive charges to my bank account, one for $2.95 and one for $29.95. I placed the order for my FREE credit report Sunday evening… there shouldn’t have been ANY charges on my credit card except for ONE $1 ping on my account. I should not have $32.90 on hold due to these people.

I called the company at (800) 712-7224 and the girl who answers the phone is trying to tell me that my card has not been charged and that the two charges are only pending. Right… funny they don’t tell you THAT in their disclosures, do they? I told her what she was failing to understand is $32.90 is a hell of a lot more than the $1 that they’re hawking on their site. I canceled my account and called back and spoke with ‘supervisor on staff’ Steve who stated he was shocked and that he would find out why that happened. I’m still waiting to see if these charges clear or if they come through on my account.

I’m one of those Americans who is trying to clean up my credit and own a home… you know, the American Dream. Too bad that people like these have to turn it into the American nightmare. When I saw the charges on my account, I shot off an email to good old Kyle… guess what? I haven’t heard ANYTHING from him. Nope. Quiet as a church mouse! Yet prior to me ordering this credit report? I was getting 2-3 emails PER DAY from him.

An attempt to get in contact with Kyle:

I checked out an ad in CList for “rent to own your own home”, and automatically got sent to Kyle Waitley’s website. He outlined a 4-step method to become a home owner while “repairing bad credit” in the process. With each step’s email, he also sent an auto link to a credit score site, where you get a “free trial” for “only” a dollar, supposedly refundable. I emailed this guy FIVE times, saying I already know my credit score, i don’t need to join this club to obtain my credit score. He never answered any of my mail. This sent up a red flag to me, because to obtain a credit score, you have to use your ssn. The way he writes is unprofessional. No business-oriented person would speak this way. But I did NOT proceed with his pitch. Chalk it up to woman’s intuition.

Known Contact Information

  • Aliases: Kyle Waitley, Tim Roberts, Jeremy T. Blunt
  • Business Names: Credit Report America, CoastWest Holdings Ltd., CreditReport America, YouRentYouLoseHomes, RentToOwnHomeSearch
  • URLs:
  • Possible Email Addresses:,
  • Possible Contact Number: 1-800-712-7224

Remember, that there is no quick-fix for credit repair. It takes time to fix a poor credit history. Don’t let someone lead you to believe that it can be fixed overnight.

Have you had any experience with Kyle Waitley or Credit Report America? If so, leave a comment below.