How We Boost Your Credit

We add you as an authorized user to one of our seasoned tradelines with positive payment history and low utilization (if any). The issuing bank then reports the positive credit history including the age of the account, the limit of the tradeline and the positive payment history to Experian, TransUnion and/or Equifax. The payment history, age, and limit have direct impact on the FICO credit score model which impacts your utilization ratio, average credit age and payment history. To further understand how it may impact your score please refer to graph below: Now imagine what will happen when we add $20,000 of available credit with perfect payment history of 10 years to your credit file. Your credit score will increase dramatically almost overnight!