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Authorized User Accounts Still Work

Here ' s a little credit repair magic for you. Call your Mom or any sympathetic soul and ask them to add you to one of their credit cards as an authorized user. Fair Isaac Corp has managed to block brokered authorized user accounts from this benefit, so don ' t bother purchasing these accounts online, it ' s a waste of money. But legitimate family member authorized user accounts are credit repair gold. Here ' s how it works. Once the account shows up on your credit report you will inherit the credit score benefit of the account history of the donors account. Assuming the account balance is low and there is a good payment history you should see a major and instantaneous jump in your scores. That ' s credit repair in the fast lane!

Challenge Old Collections

Credit repair rule number one, don ' t believe your eyes. This is especially true when it comes to collections. Collectors regularly buy and sell accounts. Most people don ' t know that when a collector sells a debt to another collector they are supposed to withdraw their listing from your credit report completely; and I don ' t mean listing the collection as paid. They are supposed to remove it entirely. All old collections are worth challenging through the credit bureaus. You may find that most of them just vanish. A nice credit repair outcome indeed.