Not surprisingly, lots of Web sites have sprung up saying they can "repair" your credit one way or another.
The latest strategy is a real doozy. It lets those with poor scores "piggyback" on – or mooch off – someone else's good credit record.
These companies say they can boost your credit score by having you added as an authorized user on the credit cards of strangers with stellar credit, for a fee. This raises your credit score.
The strangers get paid based on the quality of their credit, with the promise that the new "authorized users" won't actually be able to buy anything on their cards or even get any of their personal information.
