Getting Started – The Process
Once you have determined exactly what level(s) and line(s) that you need with your credit consultant, your consultant will email you an electronic agreement and you can fill out everything you need to get the process started online in less than 5 minutes.
How Long Does This Process Take:
Once we receive your agreement back, our standard processing time is between 7 days and 8 weeks for the tradeline to show on your credit report. Once the tradeline has reported, you will immediately see your associated credit score increase.
How Long Will The Line Stay On My Report?
Unpredictable. Good credit stays on credit report for up to 10 years. We recommend that you be ready to apply for your immediate credit goals right away. In the very unlikely case that the line falls off of your credit within the first 30 days, we will replace it at no charge, but it is in your best interest to be ready to use your credit right away when the tradeline posts.
What guarantees do you offer?
Because of the many factors that go into determining your full credit score, it is impossible to guarantee a specific credit score increase. Our credit consultants are always conservative when setting your expectations as our goal is to under-sell and over-deliver, but as the credit bureaus keep their scoring formulas tightly confidential, no company is able to guarantee a specific number for score increase. This said, we do offer written guarantees so that you can be assured we do everything possible on our end to ensure the best possible results. Our guarantee promises that our credit lines have perfect payment history. We also guarantee that our lines will report to a minimum of 2 out of the 3 credit bureaus within the contracted time. While 90% of the time our lines report to all 3 bureaus, there are occasionally factors outside of our control that can keep a line from hitting the 3rd bureau.Our extremely competitive pricing is set to guarantee a minimum of 2. As most lenders take into account your mid-score, it should not lessen your ability to qualify for credit if your credit line reports to at least 2 bureaus.