Does Piggybacking Credit Files Really Work?
YES! Absolutely. This is one of the most amazing methods weve seen! If it didnt work you wouldnt see spouses with merged credit files showing both positive and negative information. The key to remember is to only apply as a co-applicant on applications which ask for a Taxpayer Identification Number (a.k.a. S.S.N.), mailing address and phone number etc. A piece of advice when selecting your guarantor or co-signer is that you must be sure they dont default on any accounts, as they will ruin your credit. (See Section Nine).
