faq

1) How Credit Boosting Works?

You can improve your credit score by being added as an authorized user on a reliable credit account (tradeline) with a perfect payment history and low credit utilization. Each month, when the primary cardholder reports to the credit bureaus, the positive credit history is transferred to the authorized user’s credit report, leading to an increase in their credit score.

You may have heard of parents adding their children as authorized users on their credit cards to help them qualify for their first auto loan with a low-interest rate. This process, known as credit boosting or credit piggybacking, is a proven and effective strategy for quickly improving credit history.

2) How Much of a Credit Score Increase Can I Expect?

The increase in your credit score depends on your current credit history and the type of tradeline (credit line) you add. To achieve your desired results, we recommend consulting with us to select the best tradelines for your credit report. Generally, the following factors influence the amount of your credit score boost:

• Number of tradelines: The more credit lines added to your report, the greater the increase in your credit score.
• Credit limit: The higher the credit limit on the tradelines added, the stronger the positive impact on your credit score.
• Length of credit history: The older the tradeline (credit card), the more significant the credit score increase.

3) How Quickly Will the Tradeline Appear on My Credit Report?
We guarantee that the added tradeline will appear on at least two out of three of your credit reports within 60 days from the expected reporting date. Otherwise, we will fully refund your money. In most cases, new tradelines appear within 1-2 weeks after the first monthly reporting date.

4) How Long Will the Tradeline Stay on My Credit Report?
Our cardholders will keep you as an authorized user for at least two months. We guarantee that the selected tradeline will remain on your credit report for a minimum of 60 days. If the tradeline is removed earlier for any reason, we will provide a proportional refund or extend it for an additional reporting cycle at no extra cost. After two months, you will have the option to renew the tradeline under the same terms if needed.

5) Can the Bank Change My Interest Rates If the Tradeline Falls Off My Report?
No, once you finalize your financing (such as a mortgage or auto loan), the bank is legally obligated to honor the contract terms. Your lender cannot change your interest rate or terms simply because the tradeline was removed after closing the deal. However, it is important to ensure that your loan closes before the tradeline disappears from your report.

6) What Should I Do After My Credit Score Improves?
Now you have more opportunities! You can:

✔ Apply for a loan or mortgage.
✔ Get better insurance rates for your car or home.
✔ Start your own business.
✔ Improve your job prospects.

However, remember: a higher credit score is not an excuse for reckless spending. Be responsible—plan your expenses, manage your budget, and avoid excessive debt.

The golden rule of a successful borrower: Always pay off your credit card balance in full every month. This will help you maintain a high credit score and ensure long-term financial stability.