Just a simple observation - Has any of the companies ever asked you to PROVE your certifications or experience?
My first charter resume was so bogus it literally wouldn't hold water.
No insurance (or charter) company is going to take the time and effort to check this out UNTIL you make a major claim. If you make a claim and the adjuster gets suspicious, you could easily find yourself without insurance. And if someone is coming after you for damages, the fact that you lied to the insurance company make everything you say suspect. What's your risk tolerance and how much can you afford to lose?