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Q: Can I add my name to another person's credit report to increase my credit score?
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Is it true if you add a person to another persons credit card it can improve the first persons credit rating?

If it does report it will show that you are just an authorized user, most cards don't even report authorized users anymore.


How to pull someone else's credit report?

Unless you work for an attorney or someone who can legally pull other's reports, it is illegal and not easy to pull another persons credit report. You can't legally do so.


If you add second person to credit card will it show up on their credit report?

Yes, it does show up on that persons credit report. If you are late on payments, it will negatively impact his/her credit report.


Your credit report has two creditors with the same credit card number?

usually this is because the original lender sold the account to a new lender which takes on the loan/debt, but the paper trail is still left on a persons credit report. If a company goes out of business they also liquidate their assets/accounts to another creditor. It also can be because the person did not pay on the account and it was sold to another creditor or a collection company. The most rare case would be that there is a mistake on a persons credit file and should contact the credit report company.


Can an HOA report a judgment on an individual persons' credit report?

Yes, if the association won the judgement.


How do credit card companies use a persons credit report?

To determine if that person should be given a loan or credit card


How often can your credit score increase?

Credit scores can increase or decrease monthly depending on when your creditors report items on your credit report. Typically creditors only report items to the credit bureau every two to three months, but if you make a late payment of 30 days or more delinquent they report monthly.


What information is included in a consumer credit report?

A consumer credit report consists of a persons personal information as well as their credit history and score which can be used by financial institutions and sometimes employers as well.


Where do you report illegal use of deceased persons credit cards?

Your local police department


How to complain about an increase in credit card interest rates?

call and report it .


What are the advantages of a merged credit report as opposed to requesting your credit report from one of the major credit reporting agencies?

The advantages of a merged credit report as opposed to requesting your credit report from one of the major credit reporting agencies include the ability to obtain a report from multiple sources at the same time and get a total report of a persons credit. You can learn more about Merged Credit Reports from the MicroBilt website. Once on the page, hover over Credit Data in the menu and click on Merged Credit Reports to bring up the information.


What happens after 7 years of debt?

After 7 years of debt, the debt will be wiped off a persons credit report. There are some instances that certain types of credit will stay on the credit report for up to 10 years.