FAQ

We have Authorized user Tradelines only at Boost Credit 101

We do not offer primary tradelines. 

If you do not have any credit established, you have what is called a thin file. Tradelines may help you start building your credit history. 

We offer a 100% money-back refund policy per the terms and conditions of our contract. Our contractual guarantee is that we will post our tradeline(s) within 60 days. Usually it takes no longer than a month, at maximum, and is average somewhere around two weeks. Within that guarantee are others: we guarantee the line(s) will post to 2 out of 3 bureaus, but we cannot say which 2, and most of the time they post to 3 out of 3. We also guarantee that all of our lines will stay on for the paid for amount of cycles, be it 2, 3, or 4; also that all tradelines have perfect payment history and are below 10% utilization. If, for whatever reason, a line does not post to 2 out of 3 bureaus, we will always offer you either a replacement or a full refund of your money. We do not guarantee any specific credit score increase. 

We do not work with CPNs. All of our clients are subject to verification via a third party background social security check and identity verification. 

All of our tradelines are sold for a minimum of 2 cycles, which is approximately 45-60 days. We also have unique packages with tradelines sold for 3-4 cycles. These tradelines are for people with goals that take longer than the standard 2 cycles. If you want to compare our lines to other companies, this is usually the question that gives an apples to apples comparison, as we leave our lines on 2x as long as most of our competitors. 

No. We sell all of our tradelines for a minimum of 2-cycle increments in order to protect our cardholder and provide the buyer with the extended benefit of extra cycle.

Yes, we can extend an order if circumstances call for it, for another two cycles. We do need advance notice of this, about three weeks before the line will drop off. We also sell packages with specific tradelines which will automatically be added for 3 to 4 cycles.

The main benefit of purchasing tradelines is time. As an example, let’s say you have cleaned the negatives off your report, or you have a nearly blank file for whatever reason (never used credit, are very young, etc), then the traditional process would be to get a secured card, or some type of credit building loan, and pay on these for 6 months to a year before you are able to even think of applying for an unsecured card, get an auto loan, etc. Tradelines will give you the same, and usually much better, results in as little as 30-60 days.

Any positive data you put on your report will have an impact. How much depends on what you already have on your reports. We recommend that people try to get themselves into the best possible position to take maximum advantage of the tradeline(s).

Traditional credit repair takes anywhere from one month to several years. Boost Credit 101 does not offer traditional credit repair services.

Primary tradelines are in the first position, which means you own them. Purchasing these is getting involved with financial fraud. Authorized User tradelines are in the secondary position, as you are not the primary cardholder, and are the only legal way to add data to your reports that does not belong to you.

We do not add tradelines for businesses. Unlike personal credit, business credit reports data to Dun & Bradstreet instead of Experian, TransUnion and Equifax. Therefore, adding tradelines to businesses is not practical or possible. To learn more how to build your business credit profile please visit www.dnb.com However, if you are a personal guarantor you will be required to have strong credit yourself and may need tradelines to improve your personal credit profile.

Yes, we do our due diligence to make sure that all customers who purchase from us are who they say they are and are representing their true data. This is to prevent people whose intentions are to commit fraud. We utilize a multi-layer verification system that allows us to identify any potential red flags in your application and the identity information that you furnish to us. Clients verification is our top priority.

We have encrypted servers where we store customers data. After 90 days, we purge customer data from the site.

We are the only company who verifies and protects our clients and cardholders to the degree we do. This means that our lines are at lower risk of shut down. We’ve been in business over five years so we are able to offer battle-tested advice. We consider customer service and education more important than profit. We view the failure of our education system to inform the populace about the very important and vital subject of credit, so we don’t mind answering any and all questions regarding your situation and the general state of the credit industry. We have contracts and guarantees in place to protect you as a consumer and inform you fully before you sign with us. We do not advise purchasing tradelines if it is not in your best interest, ever.