The company finds a cardholder with perfect credit. You are added as an authorized user to one of their accounts. You do not get a physical card or access to the money; you are simply "borrowing" their history.
If you want to improve your credit legitimately and permanently, consider these methods: How it Works buy better credit
Financial experts at The Balance Money note that while it is technically legal, it is often viewed as misleading to lenders because you are presenting someone else's financial habits as your own. The company finds a cardholder with perfect credit
Many modern scoring models (like newer versions of FICO and VantageScore) have algorithms designed to detect and ignore "rented" tradelines. If you want to improve your credit legitimately
If a mortgage lender discovers you "bought" tradelines, they may consider it bank fraud or simply deny your loan because your "true" credit profile is unknown. 3. Better Alternatives to "Buying" Credit
You "buy" a small loan that sits in a locked savings account. You pay it off monthly, and the on-time payments are reported to bureaus.