Legal Question in Credit and Debt Law in New York

FICO Score...Manipulating/altering it legally

I watch this show and the host says that if someone puts you on there credit something(forgot) that you will receive their fico score and history. She says that if you already have a history then it will just be averaged with yours, but if you don't you will just assume their credit history. So here is my question.

If I am placed onto someone elses credit and receive their history(since I have none good or bad but theirs is excellent) can I then be removed shortly after and keep that history?

See I am self employed and work a 2nd high paying job I just got but am young so can't get a new car and don't want to pay a bunch of money in straight cash for one and the same goes for a house. Please let me know if this can work.


Asked on 6/04/05, 2:19 pm

1 Answer from Attorneys
Andrew Nitzberg Andrew Nitzberg & Associates

Re: FICO Score...Manipulating/altering it legally

I think you need to sit down with someone and find out how the financial services industry works. You are welcome to meet with me for no fee for 45 minutes and I will straighten out some of these things for you.

You don't get 'put on' or otherwise subscribe to someone else's credit. You can get another person as a co-signor to reduce your interest rate or otherwise qualify.

In addition, thyere are easy ways for you to bild up your credit score. Call me.

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Answered on 6/06/05, 10:12 am


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