If the person theyre piggybacking on has 10 years of perfect payment historythen the next time that account reports for the main user it will also apply the ten years of perfect history to the losers CPN instantly creating the illusion of a 10 year credit profile.P.S I know people love putting in their two cents on this or trying to argue this as if they know anything about this field outside of a couple articles they read on their laptop at home but I assure you this is 100% accurate, I've been active for 15 years in this field and am still active today.