NO...unless the other party OWES TONS OF $$$$$ "IF" they owe say $1,000 with credit limits of $10,000 or $50,000...IT WILL ONLY HELP... "IF" they have any late payments (with-in 24 months)...IT WON'T HELP AS MUCH... "IF" they stay MAXED...it really WON'T HELP AT ALL!!!