Yes! This has been a model that been used for a long period of time by parents to help build their
children(s) credit, businesses for their employees and business partners to help raise the FICO score
of an individual to help them obtain loans as well as other credit.
I don't have any credit. How will this help me?
If you don't have any credit, we can still help. Having a well established account on your credit
report that reflects a good payment history will likely enable credit offers, whereas you can
establish your own credit through your own effort. Any credit that you obtain on your own and you have been making your payments to them on time will only improve your score.
I have too many negative accounts on my credit
report. How could this help me?
Having atleast one good credit account on your report, while you work to pay off or remove the
negative ones would work more in your favor to gain other credit accounts who deal with high risk or
poor FICO scores to rebuild your credit history at the same time. Please call for an alternative solution.
Will I get to be able to use the authorized account
to make purchases, etc?
No. You will not receive any physical cards or account numbers. We can't allow you to use any
credit cards or account number to make purchases on the primary account holders account. This would make you fully responsible for repaying a debt incurred by you. The purpose of you becoming an authorized user is so that you can benefit off the primary account holders good credit history.
How much am I held responsible as an authorized user?
You are not responsible for any debt incurred by the primary user. The primary user is responsible
for paying the balances they occur. As they make their payments on time, they would continue to have good or even excellent credit. Their good credit benefits you as it reflects on your credit report.
I want to know the status of my application?
Upon receipt of application, required documents, and payment. You will receive a confirmation email.
You will then receive another email within 24 hours after a credit account has been created for you. 5
-7 business days later, you will receive a confirmation email about when the credit file should appear on your credit report. 30 to 45 days later you will be asked to complete a satisfaction survey. On the third month you will receive an invoice asking if you would like to extend the four month term.
On what basis do you issue refunds?
We would only issue a refund after 48 hours if we didn't receive the legible required documents to
verify your identity and/or you have not responded to any emails requesting you to resend the
information. Please keep in mind accounts are immediately created if we do receive all the required
documents, therefor this would prompt a change to your credit report so we will not issue a refund at
How long will it take to see the credit file on my
It would appear within 30-60 days from the time the credit account for you was created. Please keep in mind the credit account should be shown on all three of your reports. In some cases, one credit
bureau may show the report a lot faster than the others. We guarantee that the credit account should
show on all three credit reports within two credit billing cycles, that is 60 days. Other credit services report changes on all 4 credit bureaus, ask about those services.
What happens when the four months expire?
By the third month of when your initial account was credit you would have received an invoice asking if you would like to extend for an additional four months. If you ignore the invoice or have not
referred someone, your account would automatically close at the end of the four months and you would have to re-apply for services if you need our services in the future.
How can I get this service for FREE with your company?
As long as you already have an open account. Just refer someone, and as long as they put your first
and last name on the application in the referred by field your credit account will be extended for
another four months when their account is approved. There is no limit to how many people you can refer while you have an open account.
What does open account mean?
Your account file is considered open through the initial four months when you sign up. The account
file is considered closed if you do not renew the account before the end of the four month period or
did not refer someone to keep the account in open status.
When does the four months begin if it takes up to 60 days for credit account to appear on my credit reports?
When your account is initially created the four months will begin after the initial 60 days the account was created. Other credit services are permanent please inquire about those services.
Why would it take up to 60 days before I would see the credit account on my credit report?
Regarding authorized user credit service, creditors only submit reports to credit bureaus once a month, it should finally be on your credit reports by the second month after reports are submitted. Other credit service packages are quicker and can show within 4 business days.