Originally Posted by SeeBuyFly

I can confirm that they have to be real people; I wish I had not tried to make an AAdvantage account for a nonexistent person at my home address, because it didn't work at all, and may have flagged my address as suspicious.

I am not sure at what point people become real to the credit agencies, though. Is it necessary to have credit card or loan activity, or is there a credit bureau file for anyone who has an SSN?

[If we knew what we know now, we would have had kids just for the miles.] [Joke.]