Hi, my husband & I have credit scores in the 500's, my husband has 1 repo from a mobile home in 1994 and he doesn't have anything he is making payments on, I have several doctor bill late payments and I am paying a car loan, we need a new mobile home, the one we have is old, it has several problems and is too small, we can't find anyone to work with us because of our credit scores and his repo, we also can't build credit with credit cards or other loans because we can't get any kind of credit we have tried. Is it possible to piggyback I have been reading alot about this? We don't have any family members who are buying things on credit or who have any credit built up, how would we find someone to piggback from? I have read about companies that find someone for you, how do I find these companies and make sure that they aren't a rip off? Has anyone used any of these companies before?