Can a realestate agent put fake things on your credit to up your score? How do they do that?

Answer 1

No, for one thing its too long of a process and requires more intellect then what it would take to remove misreported info from a credit report. An interesting statistic from the Nationaql Mortgage Bankers Association is that 30% of credit reports contain inaccuracies. I would submit a different view, it is more likely that all reports contain around 30% inaccurate information. As to how would an agent embellish a report theres 2 ways that come to mind. Cut and paste a better score and use a photocopy. Or set up a bogus account and record timely payments. The problem is that would require a long long time to have a sizable raising of ones score. Miss a payment on anything and your score can plunge overnight. Making timely payments on one or two new accounts can only raise a score slowly and by a small amount.

Answer 2

Even if they could, it is illegal and very dangerous to do. I would advise strongly against it. Instead, look at ways to legally improve your credit score (lessen debts, pay consistently, etc.)