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Do you repair or correct negative or incorrect information in my credit report?

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

Bill Airy

About the Author:

Bill Airy is the CEO and Founder of BoostMyScore. For over 12 years he has helped American consumers get a second chance at a better financial life by helping them to improve their credit score. He regularly publishes helpful content on this Blog to educate others about Credit Scores and best practices when trying to improve them.

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Related Frequently Asked Questions:

How long does it take for the tradelines to appear on my credit report?

BoostMyScore guarantees that our tradelines will appear on at least one of your three credit reports in less than 60 days from the First Estimated Monthly Reporting Date, or we will give you all your money back. Typically, tradelines appear in your credit report in less than 30 days; most of the time it takes just a week or two after the First Estimated Monthly Reporting Date.

More specifically, tradelines usually take a couple days to pop up on Experian®, and then a couple more for Transunion®. Equifax® is typically the slowest to report the tradeline, but you should see it appear on all three of your credit reports within 7 days of the First Estimated Monthly Reporting Date. Be sure to write down that date, because if the tradelines you buy are not on your credit reports within 7 days of the First Estimated Monthly Reporting Date, then you need to let us know right away so we can correct whatever error was made by the primary cardholder when they first added you as an Authorized User to their card.

No matter what, though, we guarantee this tradeline will post to your credit report within the promised time frame. If not, we will give you all your money back.

If you need more clarification, then simply call us at 1-800-531-1472. We are here to help.

Do you work on business credit?

All our Authorized User trade lines are personal credit cards. While we cannot help build your business credit profile, building your personal credit first can be a huge help in obtaining business credit.

Also, keep in mind that business accounts typically only report to the business reporting agencies, Dunn & Bradstreet, Experian Business, and Equifax Business, and not to the personal credit reporting agencies (ExperianTransUnion, and Equifax), and therefore do not help your personal FICO® score.

Will the bank change my interest rates if and when the Authorized User credit cards fall off my credit report?

Once you close on a loan, the bank is contractually bound to hold those loan terms and conditions as agreed in your contract. They cannot change the terms solely because your status as an Authorized User has been removed after closing. You will likely continue to qualify for the lower rates, as long as your loan closes before, and if, the tradelines fall off your credit report.

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BoostMyScore Team