YSK: You can buy a co-signer.

This has been around for a long time. Shady companies figured out they could get people to pay big bucks if they could connect them to other people with high FICO scores. The high FICO score people add strangers to old cards with perfect payment histories and high limits. Its one of the reasons credit card companies are starting to not treat authorized users the same as the primary cardholder when it comes to what they report.

In a credit card context is fairly low risk for everyone involved. You can easily add/remove authorized users and can restrict their access to the account. Using credit score sellers to cosign for an apartment though seems like a much higher risk (for everyone involved).

/r/povertyfinance Thread