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Boosting Your Credit Score


We add you as an authorized user to one of the tradelines that has the available limit and positive payment history. The issuing bank i.e. (Bank of America, Chase, Discover, Wells Fargo, CITI) then reports the positive credit history including the age of the account, the limit to the tradeline and the positive payment history to Experian, TransUnion and Equifax. The payment history, age, and limit have direct impact on the FICO credit score module 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:

FICO Score ranges from 350 – 850, where 350 being the lowest credit score and 850 being the highest:

  • 350-579 – Poor
  • 580-619 – Below Average
  • 620-659 - Average
  • 660-719 – Good
  • 720-850 – Excellent

Now let take a look at how Experian, Equifax and Transunion calculate your score:
Credit Score Calculation Percentages

Now that you have a basic understanding what your credit score consists of, imagine what will happen when we add $25,000 of available credit with perfect payment history of 10 years to your credit file. Your credit score will sky rock almost overnight! By adding this history to your file, it will have an impact on your 35% payment history, 30% amounts owed and 15% length of history metrics and raises your credit score.

Boost Credit 101 rents out such lines of credit, called tradelines. Once we add your name to a tradeline, or usually several tradelines, you inherit the benefit of that account as if you were the owner from the date that account was opened.

How do you know how many tradeline(s) to buy?
To achieve maximum results we recommend to start with a minimum of 2-3 tradelines per file with similar limits and age.
View Complete List of Tradelines

Pre-qualification Form

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(ex: Via phone between 7pm-9pm)

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*Please note: our services start at $500 and require payment upfront.