[jackblack73]

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What about those services that say they can raise your credit instantly, are they all [censored]?

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Yes.

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I'm not so sure about this. I've seen a few stories in the news over the past couple of months about "piggybacking". Basically you pay the company a fee and they put you on as authorized user on the credit cards on a person with a long and stellar payment history for a month or two. Their entire credit history will stay with you. Apparently, it works well enough that lenders/credit reporting agencies are trying to ban the practice.

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Not true. The loophole has been closed, though it may take time for all the changes to go into effect.