First we have to know how the whole credit industry works…Credit bureaus are companies that gather and sell information about a person’s credit data. They sell credit data on consumers to banks, mortgage industry credit card companies, department stores, auto dealers, insurance industry, property owners, and...
http://www.youtube.com/watch?v=X-03uNmQengYou can use a credit card in ATM if you get a pin number....
http://www.youtube.com/watch?v=J4qU5NHWS90I think it is like any thing else in life that you can do yourself, but if you want to usea third party first check them out and do not pay any money upfront....