Credit Repair Strategy #6. Get Good Credit Added to Your Account

Get added as an “authorized user” on an account of someone like your husband or wife who has a great credit history with a company. (Note that the Credit Bureaus often mix up negative information from other people on your account.)

Often, that account will be reported to the Bureaus as yours too!

Now, the Credit Bureaus claim they are cracking down to preven people from improving their scores this way. However, remember that Credit Scores are created “on the fly” by the credit bureaus and what your credit score is - depends on the scoring model used.

So, this positive history from someone else is probably only NOT counted when you are applying for a mortgage if your lender is using the FICO NextGen Model.

Make sure your lender is using the FICO Classic scoring model. More than 80% of lenders DO use the FICO Classic so you’ll probably be in luck!

We are here to help you and your family improve your credit score, and are happy to speak to you any time.

START NOW
Next Credit Repair Strategy: Dispute “Name” Inaccuracies
Back to Last Strategy