Breaking Down Our Lingo

Impact on Credit Utilization

Being added as an authorized user to an account with a high credit limit can significantly benefit your credit profile. It increases your total available credit, which lowers your overall credit utilization ratio. Since credit utilization is a major factor in calculating credit scores, a lower ratio can lead to a higher score.

Credit Age

In addition to the credit limit, the length of time the account has been open and its payment history also contribute to your credit score. Older accounts with long histories of on-time payments are the most beneficial.

Cycles

Each tradeline is guaranteed to post for at least 2 cycles, with each cycle equaling one month, starting from the date of the credit card statement.

Immediate Impact

One of the advantages of being added as an authorized user is the immediate effect it can have. The account’s entire history, including its credit limit, will appear on your credit report soon after you are added to the account. This can quickly enhance your credit score.

Temporary Measure

It’s important to note that the benefits of being an authorized user might be reversed if you are removed from the account or if the account is closed. Therefore, this should be considered a temporary boost rather than a permanent solution to credit issues.

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MORE ABOUT ME
Leo Gonzalez

Leo Gonzalez, founder of Miami Credit Repair, is dedicated to helping individuals improve their financial futures. Known for his expertise in credit repair, Leo is a trusted figure in Miami's financial community.

With extensive experience, Leo has guided many clients in improving their credit scores and achieving financial goals. His innovative approach combines personalized strategies with transparency.

Leo's own financial hardships inspired him to start Miami Credit Repair, offering effective, ethical, and affordable services. Under his leadership, the company is known for success, integrity, and client satisfaction, making Leo a leader in the credit repair industry.

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FAQ Section

Frequently Asked Questions

How long does it take for the tradeline to post after I order?

The tradelines take 1 to 2 weeks to post on your credit report.

Do you guarantee the posting of the tradelines?

We guarantee that the tradelines will post to at least two bureaus, provided you remove any credit freeze from your credit report and supply all the necessary information.

What do I do if the tradeline(s) don't post?

If the tradelines don't post after 14 days from the posting date, you will receive your money back.

Do I have access to the credit on the tradelines?

No, the only purpose of the tradelines is to help you with your credit. You will not have access to the accounts.

How long do the tradelines stay on my credit?

The tradelines remain active for 2 months following the day of your purchase.

Can the tradelines be added to a CPN or ITIN?

Tradelines can only be added to your credit using a social security number. We conduct a check before requesting the bank to add you. If a CPN or ITIN is provided instead, we will issue a refund and apply a $100 charge.

Can you guarantee the removal of negative marks with your credit repair service?

While our credit repair service is comprehensive and effective, we cannot guarantee the removal of all negative marks. Credit repair involves challenging inaccuracies and outdated information on your credit report. The success of these challenges depends on various factors, including the specific circumstances of each negative mark and the responses of credit bureaus and creditors. We use our expertise to enhance your credit report, though specific negative item removal isn't guaranteed.

What information do you need from me?

We need access to your credit report, a valid ID, your social security number, and a bill or similar document as proof of address.

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100% MONEY BACK GUARANTEE

Get Started Today 100% Risk-Free

Our Trades Lines are 100% guaranteed to post to two major credit bureaus within 14 days of the posting date or your money back. Get started today 100% risk-free and enjoy the benefits of improved credit and better borrowing power for years to come!

- Leo Gonzalez