I agree, criminal charges have to be filed.

Padsplit residents can cause problems with neighbors and other residents because many have substance abuse and/or criminal histories.

It might be illegal in your state for them to provide criminal and eviction history?! 

I have talked through all this with another student and he feels like what they are doing could be considered criminal and is talking to a friend of his at the FBI.

An SEC spokesperson also declined to comment.No criminal charges or civil complaints are known to have been made against RAD or any of its employees.RAD did not directly respond to questions about any potential investigations of the company.

Always do your due diligence folks, search for their name on here, check for criminal and civil court cases in the county they live/do business in, etc. 

After researching further though on social media and then criminal records I found about 12 previous arrests and numerous convictions burglary, theft, criminal trafficking, molestation (don't think convicted), battery. 

I always got the impression that he had a bad criminal record or never got his high school diploma/ GED equivalent or some other issue was preventing him from getting a license, because he was basically just brokering without a license but calling it consulting (I don't know any of that to be true for the record, that was just the impression that I got from his comments and might explain why he used a fake name?). 

If you have gone criminal one reason folks dont do that is there is normally ZERO chance of getting paid back.. 

Of course the co-signer should be significantly stronger in ALL areas as compared to the applicant...usually this is a parent or relative, and they should be well established, with ownership of real estate for years; long and stable employment; no, or very distant, criminal and traffic court records; well funded SAVINGS/IRA's or stock market accounts.