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There are ways and means for you to repair your credit score. Some are legitimate, others are not.

[link widoczny dla zalogowanych] The legal types will emphasise that you have to pay your bills on time and consolidate as much of what you owe as possible allowing you to have just one amount to keep track of. They will additionally tell you [link widoczny dla zalogowanych] to have a credit card or even [link widoczny dla zalogowanych] two which you pay off in full each month. The secret to this technique is to make sure you handle your [link widoczny dla zalogowanych] hard earned money and debts effectively so that you can gradually repair your credit score.

Another thing you could do is have someone sign surety. This means [link widoczny dla zalogowanych] that they're guaranteeing that you'll be [link widoczny dla zalogowanych] able to pay back your debt and if you fall behind they'll pay it in your stead. That's where the question of legitimacy will come in.

Getting your spouse sign surety is fine since you are supposed to be a single entity in any case. There is no query that this is an okay method of getting a better average credit score.

There are however firms that sell surety. The idea is that you pay them an excessively high fee and they will have a particular person with a decent credit record sign surety so you [link widoczny dla zalogowanych] are able to get a loan. This really amounts to fraud and it is highly illegal. It's against the law since it is an attempt to manipulate the credit reports and also ratings for personal financial gain.

Aside from the illegal perspective, [link widoczny dla zalogowanych] applying this technique to repair your credit score doesn't really help you get out of the hole you're in with regard to your credit rating. All you are doing is fooling the banks into giving you much more debt than you are able to manage on top of that which you already owe them. not a good idea.

These businesses will then add your name onto their list of individuals with very good credit scores, assuming of course that you do not wind [link widoczny dla zalogowanych] up proclaiming bankruptcy. This means that you will end up signing certainty for another person much like yourself. If they fall behind on their expenses, both your credit scores will suffer. The company which contracted you as an [link widoczny dla zalogowanych] a good credit score source [link widoczny dla zalogowanych] might manage the repayment of the bills but your credit rating will still suffer.