Account Closed I really like that quote I’ve never heard it before I think I need to print that out and paste it on laptop. 

Over the long term, investing in something like Vanguard's S&P 500 Index Fund VFINX will return 11% (that's what it's returned on average every year since its inception on 8/31/1976), and if you invested in it you did nothing but push a few buttons on your laptop.  :-)  So this is just food for thought, and to each his own, but when I look back at the work I've put into my investment properties over the years I now look for a minimum 20% ROI on every addition to my portfolio. 

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.