This Agreement is entered into between Silver Bullet Consulting LLC, doing business as Boost Credit 101, 501 South Cherry Street, Suite 1100, Denver, Colorado 80246 (hereinafter “Boost Credit 101”), and the Client. A printable copy of the full client agreement is available for download below.
↓ Download Client Agreement (PDF)
Article 1. Purpose of the Agreement
Boost Credit 101 and Client have entered into this Agreement to set forth the terms and conditions under which Boost Credit 101 will facilitate the Client’s temporary use of another’s trade-lines for the sole purpose of attempting to increase the Client’s FICO score. Client hereby agrees to be bound to the following terms and conditions regarding all services rendered by Boost Credit 101.
Article 2. Services
Boost Credit 101 will use its best efforts to establish a relationship between the Client and third-party investors (the “Boost Credit 101 Investor”) who will permit the Client to be added as an authorized user to one or more of the Boost Credit 101 Investor’s trade-lines.
The services performed by Boost Credit 101 are completed when the Client is added as an authorized user to a Boost Credit 101 Investor’s trade-line. Because Boost Credit 101 cannot compel any lender to report any information to a credit reporting agency, Boost Credit 101 is not responsible for ensuring that the addition of a Client to any trade-line will result in the lender providing any information to any such agency.
Article 2a. Tradeline Fit Analyzer
Boost Credit 101 offers an optional Tradeline Fit Analyzer tool as a complimentary service. By using this tool and uploading a credit report, you acknowledge and agree to the following:
- Your uploaded credit report will be transmitted to OpenAI, L.L.C. for AI-assisted data extraction. OpenAI processes your file solely to generate your fit analysis and does not receive any compensation or rights to use your data for other purposes on our behalf.
- Boost Credit 101 instructs OpenAI to delete your file immediately upon completion of processing. We do not retain a copy of your uploaded file on our own servers after your analysis is generated.
- Boost Credit 101 does not sell your credit report data or any personally identifiable information derived from it to any third party.
- The Tradeline Fit Analyzer provides estimates only. Results are not a guarantee of credit score improvement, loan approval, or any specific financial outcome.
- Use of the Analyzer is voluntary. You may request a manual consultation at any time by contacting us directly.
Article 3. Covenants, Representations, and Warranties
Client Representations
Client covenants, represents, and warrants the following:
- Client agrees to provide all information requested by Boost Credit 101 and warrants that all information provided is true, complete, and correct.
- Client authorizes Boost Credit 101 to obtain credit and transaction information regarding Client’s credit history from Equifax, Experian, and TransUnion.
- Client shall not contact, or attempt to contact, any Boost Credit 101 Investor for any purpose related to this Agreement.
- Client represents that any credit card used to pay for services is a valid card issued in Client’s name. Client will not initiate any chargeback without providing Boost Credit 101 with 30 days’ prior written notice.
- Client agrees not to use any credit available under a Boost Credit 101 Investor’s trade-line for any purpose.
- Client represents and warrants that they are the individual to whom the Social Security number provided was issued by the Social Security Administration.
Boost Credit 101 Representations
- Boost Credit 101 does not and cannot guarantee any specific result or specific increase in credit score. Each Client’s credit history differs for a variety of reasons.
- Boost Credit 101 does not and cannot guarantee that a Client will be approved for any loan or credit request as a result of its services.
- Boost Credit 101 is not a credit repair company. It does not attempt to correct inaccurate information on any credit report or submit credit disputes on behalf of the Client.
Article 4. Compensation
No fee is earned by Boost Credit 101 until and unless the Client is added as an authorized user of the Boost Credit 101 Investor’s trade-line. The fee will be disclosed in an invoice to the Client prior to proceeding. Services are deemed complete when Boost Credit 101 receives confirmation that the Client has been added to a trade-line.
Article 5. Time for Performance
Boost Credit 101 estimates it can locate an acceptable Investor within 7 days of the Client signing this Agreement. Once added as an authorized user, it generally takes one to two billing cycles for the activity to appear on the Client’s credit report. The Client will remain an authorized user for two (2) billing cycles, unless specifically requested for three (3) or four (4) cycles. Any change to the Client’s FICO score may take up to 60 days.
Article 6. Limitation of Liability
The total liability of Boost Credit 101, together with any of its employees, agents, officers, directors, shareholders, and affiliates, for damages on account of claims arising from or related to this Agreement, whether based on contract law or tort law or otherwise, shall not exceed the total amount of fees paid to Boost Credit 101 by the Client for whom such claims arise or relate. The remedies provided for in this Agreement are Client’s sole and exclusive remedies.
Article 8. Refund Policy
Boost Credit 101 has no involvement as to how or when any lender may provide information to the three national credit reporting bureaus (Experian, TransUnion, and Equifax). For this reason, Boost Credit 101 makes no representation as to any improvement in credit score that may result from the addition of the client as an authorized user on the tradeline.
Nevertheless, in the event the Client is not reflected as an authorized user on a tradeline in a credit report issued by two of the three Credit Bureaus, the Client may apply for a refund of all or a portion of the fee paid to Boost Credit 101. Boost Credit 101 will check reporting status no earlier than 30 days after receipt of confirmation of the Client’s addition. Refund requests will be processed within three (3) business days. The issuance of a refund may take an additional 3–7 business days to post.
Article 9. Electronic Consent
By entering into this Agreement, Client affirms consent to receive all information, copies of agreements, and correspondence from Boost Credit 101 in an electronic format. Client may withdraw this consent at any time by contacting us at …, calling (800) 515-6590, or writing to 501 South Cherry Street, Suite 1100, Denver, CO 80246.
Article 11. Arbitration & Governing Law
In the event of any dispute, the parties shall use best efforts to resolve the matter through good-faith negotiation within 60 days. If unresolved, disputes shall be resolved by binding arbitration in Denver, Colorado. This Agreement shall be governed by the laws of the State of Colorado.
Article 13. General Provisions
This Agreement comprises the entire agreement between the parties. Boost Credit 101 agrees it will not sell, copy, release, or disclose any Client information without the written consent of Client. All Client information will remain confidential.
YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME PRIOR TO MIDNIGHT OF THE FIFTH WORKING DAY AFTER THE DATE OF THE TRANSACTION. See the Notice of Right to Cancellation for details.