I worked for Raymond's BEST FRIEND..whom he stayed with whenever in New Jersey or surrounding areas...they were in a "business" together...willing to give his name if someone willing to help me and find out if Raymond "got me", too! I gave him ALL my personal information and KNEW he was calling it in, but to get ME the credit, to build it up in order to buy a townhouse from his bes friend, my ex-boss! Very simple, he scammed me...that's why I know that all these balances on cards that he opened for me, are bogus!... read full review »