Trick #2- Another old credit repair trick that still works a little bit but it is not as powerful as it used to be is the piggyback method. To do this trick you need to find a close friend or relative that has great credit and a credit account that has a low balance to limit ratio. Have them add you as an authorized user, this will help put a positive history onto your credit report.

Just remember that if your friend or family member all of the sudden starts paying bad it can reflect on your credit as well so be very sure of the person you ask to help you with this method to improve credit score.

Trick #3- Probably the best trick and one that still works great is to use a secured credit card to give you some quick positive history on your credit report. a secured credit works because it reports just like a regular credit card but is much easier to get. Basically all you need is a job and the ability to repay the card.

To ensure they do not lose money, the lender holds a cash deposit that is equal to your credit limit in an account. If you default on the account the lender can take the amount you owe from the deposit. But if you cancel the account or get upgraded to a unsecured account the deposit is refundable. Darin Sewell