You don't. Credit bureaus are regulated businesses who accept entries from their paying clients. Those clients must meet legal criteria to access and imput data to a consumers' credit file. There is no way that an individual would qualify, even if that person were willing to pay the fees. An individual has the option of filing a case against someone who owes them money. Given proof that withstands the rigors of law; if a judgment were granted, that judgment would be recorded in the public records. This type of public record is routinely included in credit reports.
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