Business ProfileforThe Credit Game

The following describes a pending government action that has been formally brought by a government agency but has not yet been resolved. We are providing a summary of the government’s allegations, which have not yet been proven.

On 5/2/2022 the Federal Trade Commission (FTC) filed Complaint (Case no. 3:22-cv-487-TJC-MCR) for Permanent Injunction, Monetary Relief, and other Relief in the United States District Court Middle District of Florida against The Credit Game and its owners, Michael and Valerie Rando. In its complaint filed against MICHAEL RANDO, a/k/a Mike Singles, individually and as a principal of Prosperity Training Technology LLC a Florida limited liability company, (also d/b/a The Credit Game, The Credit Game University, and Elite Deletions), Elite Customer Services, LLC, Digital Business Scaling LLC, First Coast Matchmakers Inc. also d/b/a Wholesale Tradelines (, First Coast Matchmakers LLC, and Financial Consulting Management Group LLC, VALERIE RANDO, a/k/a Valerie Payton, Val Rando, and Val Singles, individually and as a principal of Prosperity Training Technology LLC, Elite Customer Services, LLC, Digital Business Scaling LLC, First Coast Matchmakers Inc., First Coast Matchmakers LLC, and Financial Consulting Management Group LLC.

The FTC alleges the defendants’ deceptive tactics violated the FTC Act, the Credit Repair Organizations Act (CROA), the Business Opportunity Rule, the Telemarketing Sales Rule (TSR), and the Covid Consumer Protection Act (CCPA). In the complaint the FTC alleged that the company has illegally charged consumers hundreds and even thousands of dollars for credit repair services of little to no value and told consumers to “invest” their COVID-19 governmental benefits on their unlawful services. In some cases, the company’s “services” included filing false identity theft reports with the FTC and encouraging consumers to take actions that were unlawful.

This includes:

• Deceptive marketing
•  Credit piggybacking
•  Filing false identity theft reports
•  Bogus business opportunity
•  Illegal advance fees

The matter is pending. For more details go to https://www.ftc.gov/news-events/news/press-releases/2022/05/ftc-acts-shut-down-credit-game-running-bogus-credit-repair-scheme-fleeced-consumers (for press release) or https://www.ftc.gov/system/files/ftc_gov/pdf/01%20-%20Complaint.pdf?utm_source=govdelivery (for government action). Temporary Restraining Order (TRO) https://www.ftc.gov/system/files/ftc_gov/pdf/show_multidocs%20%20-%20Rando%20%283.22.cv_.487%29.pdf?utm_source=govdelivery

On May 3, 2022, the court issued a Temporary Restraining Order (TRO) in the civil enforcement action, styled Federal Trade Commission v. Michael Rando et al., Case No. 3:22-cv-487-TJC-MCR in the United States District Court for the Middle District of Florida, Jacksonville Division appointing Maria M. Yip as Receiver. For information and registration, visit creditgamereceivership.com.