Does this work for your credit report and what is the method?
930017
You can build credit very fast by using a method called piggybacking. \n\nYou are simply asking someone to add you as an authorized user and all of their payment history is added to your report. \n\n\n\n\nRead this article that teaches it: http://www.expert-credit-advice.com/building_credit.htm\n\n\nAnd its not a scam, its free but It requirers the trust of someone though...
51876
Freecreditreport.com is only going to give you a free report if you sign up (and pay for) their credit protection services.\n\nGo to annualcreditreport.com as already referred to above. Remember, there are three credit bureaus and you can get a free report each year from each of them. A good idea would be to request a free report from each of them at 4 month intervals (TransUnion today, Experion in April, and so on.) This way you will be monitoring your credit throughout the year and still not having to pay for a credit report.
35744
AnnualCreditReport.com was set up by the big three credit reporting agencies in the United States(Equifax, Experian and TransUnion), to furnish free annual credit reports, as required by federal law. Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. AnnualCreditReport.com provides consumers with the secure means to do so. \n\nI suggest your credit report from only on of the reporting agencies, then 4 months later, check a different agency, then 4 months later, check the last one. So you'll be able to get a continues 4 month look at what might be appearing on your credit report.\n\nAnd remember, its absolutely free with no subscriptions or cost. You can pay extra for scores, but you don't have to. \n\nSource(s):\nhttp://www.annualcreditreport.com
298088
I have included a few links that expand on the answer below. I hope this helps.\n\n\nQ. What is a credit score, and how does it affect my ability to get credit?\nA: Credit scoring is a system creditors use to help determine whether to give you credit, and how much to charge you for it.\n\nInformation about you and your credit experiences, like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report. Using a statistical formula, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor. A total number of points — a credit score — helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments on time. Generally, consumers with good credit risks have higher credit scores.
647194
annualcreditreport.com\n\nIt allows you to get a copy of your credit report from all three major credit reporting agencies once a year.  You'll be able to see everything that's on your credit report, good and bad, and who's been looking at it, etc... but if you want your actual credit score you have to pay for it (usually about 5 bucks).
110350
Get a copy of your credit report.
648034
Check out the web sites of the big credit bureaus (Experian, Equifax, Trans Union) to see what their procedures are. I believe you have to join (pay) in order to be part of their reporting
1070145
You can go to https://www.annualcreditreport.com for 1 free credit report every 12 months from each of the three credit bureaus. They give you the report for free, but you have to pay like $5 for the score.
237339
Yes, you can get one free credit report from each company - every year.\n\nBe careful - there are many scam sites out there offering this service. The only safe place is www.annualcreditreport.com
1186750
WHAT THE HECK DOES THIS HAVE TO DO WITH CREDIT
1080999
what dose that have to do with credit
475506
YES!!! \nDont do it.  My wife and I did it and when we went to buy a new car it showed up on our credit report.  It wasnt as bad as a bankrupcy but it did put a negative hash on it.  We were still able to get the new car loan but it really mad me mad at myself for not looking into that first.  Should have just paid them off by myself.
501743
Have them run their own credit report at www.myfico.com and ask for a copy of it.  This also gives you the credit score and it pulls from all three credit bureaus.  It costs $12.95.   Or, they can write away for copies from all three bureaus but that will take a couple of weeks.  \n\nYou are smart to do this, by the way!
745965
I believe it helps your credit
972602
Yes I do! But read because its not just that simple\n\n\nThat’s good that you tried to repair your credit yourself before you decided to pay someone. Now that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm  \n\nand the home page: \nhttp://www.expert-credit-advice.com/
1024379
I am a mortgage loan officer, and work with credit issues everyday. As to what you are referring, I have heard of this but never done it. Would be curiuos to see if you as the consumer can get all three bureaus to report the same information. \n\nThe reporting is done from the creditor's side. They report to whomever they choose.. typically depends on your local region. For example, smaller based creditors in the SouthEast will typically report to Equifax. Larger national companies may report to all three. How they would gather the information is more my question.\n\nNow, in regards to how to improve your scores, I believe you are getting some mixed advice. You must understand how the scores are built before you can determine what will impact good or bad.\n\nMajority (but not all) of your credit score will be based on the past 24 months. So in other words, if your credit history over the past 2 years is mostly bad, your score will reflect that. Old credit may hinder scores slightly, but will not comprise the majority of your score.\n\nOld negative items may not have a major impact on scores, but can prevent you from getting over the 700 score mark and maybe even hinder you with certain lenders.\n\nMy suggestion to anyone trying to improve credit is this: Get on time with ALL current open credit, add good POSITIVE credit to help push scores up, and depending on your purchasing goals you will work on your old negative items now or later. For example, looking to buy a car or home within 90 days... leave the old stuff alone. Looking 1-2 years down the road, pay it off.  Why?\n\nPaying off old negative items will update the item to something within the past 24 months (Date of last activity) and will be factored more highly in your scores. So paying it off now will bring your scores down! (Yes, that does sound contrary, but it is what happens.) If you want to buy something sooner than later, do what you can now to boost your scores (i.e. Good credit) and then attack the old stuff after you buy what you needed.\n\nIf you attack it now with a long term goal in mind, your scores may suffer in the short term, but with the added positive credit and paying off of old credit, you will have sweet scores in the long term.\n\nSee the information below on where to find the good positive trades and how to work them to your benefit.\n\nGood luck!
394995
No...but they can get your credit history.