Based on our experience, once your status as an Authorized User with the credit card company has been removed, one of three things can happen:
If you need the credit boost for longer than our minimum 60-day time period, be sure to ask us for a lease extension.
The boost is different for everyone. It all depends on what is currently in your credit report and what you choose to purchase from us. The easiest way to answer this question is to say that there are three “Truths” to boosting your credit score through this method.
No, we do not remove or dispute negative items on your credit report. We can, however, refer you to someone who does.
Give us a call at 1-800-531-1472
Years ago, several online companies advertised the ability to add “Seasoned Primary Tradelines” to your credit report. These tradelines could look better on your credit report to a mortgage underwriter than a “Seasoned Authorized User Tradeline”. Since the account would appear in a credit report as being individually managed by the borrower (Primary), and because it showed several years of credit history (Seasoned), it had the potential to boost the credit score AND trick underwriters into believing it belonged to the applicant. As you can imagine, the “Seasoned Primary Tradeline” practice appeared to be fraudulent to many in the law enforcement community. Several businesses advertising that service were quickly sought out and shut down.
Bear in mind that, as opposed to a “Seasoned Primary Tradeline”, a “New Primary Tradeline” (a new credit card account, for example) will most likely cause a drop in your credit score. Your score will typically recover, once the New Primary Tradeline has aged for a couple years.
For these reasons, BoostMyScore does not assist clients with adding “Seasoned Primary Tradelines” to their credit report. We also do not assist our clients in applying for “New Primary Tradelines.”
To be clear, BoostMyScore specializes in the addition of “Seasoned Authorized User Tradelines,” which continue to deliver an astonishing boost to your credit report, just as they always have.