Credit Piggybacking

Discovered 5 years ago by the BoostMyScore.NET Founder and CEO, Bill Airy, "Credit Piggybacking" is when one person pays to be listed as an Authorized User on a perfectly managed credit card held by someone else in order to boost their credit score. When the person with good credit adds the person wanting better credit to their card, the credit card company reports the account history for that credit card to the credit bureaus. When the new history appears in the authorized user's credit reports, their credit score is immediately recalculated to show an increase as a result of the new card's presence in the report.

While the authorized user does not receive the physical card or account number, they do receive the benefit of having that particular credit card's entire credit history - limit, balance, payments - in essence "copied and pasted" onto their credit report, looking as though it were there the entire time. Having a higher FICO® Credit score means lower interest rates, easier loan approvals, higher credit limits, and generally better loan terms for consumers.

About Bill Airy, President & Founder

Founded in 2007 by Bill Airy - a 2002 graduate from Colorado State University  and resident of Denver, CO - BoostMyScore.NET has become the most highly trusted and recognized credit score advisory firm assisting thousands of Americans with boosts to their FICO® credit scores.

In mid-2003, Bill figured out the secret of "credit piggybacking" by adding family members to his credit cards. He was shocked to see the enormous benefit his years of tedious credit management would give to someone else previously unassociated with his accounts. After doing some research of his own, he hired a prestigious and well known Denver law firm to investigate the legality of the newly discovered credit boosting strategy. Their findings resulted in the birth of BoostMyScore.NET. 

With a team of lawyers to do the research, produce the Legal Opinion, necessary contracts, Disclosure Statements and User Agreement, he launched the web site on September 1, 2007. Two years later, BoostMyScore.NET, LLC boasts 18 employees and has helped hundreds of people to boost their FICO® credit scores.

As an evangelist for the people and business owners who need to boost their FICO credit scores, Bill keeps on top of what is happening in the industry. He continuously researches the legalities and understands when consumers are not being told the truth. Bill was one of the first to discover that Fair Isaac Corp. was going to eliminate the benefit to authorized users with FICO® '08 and in effect "blew the whistle" with his press release announcing that the proposed FICO 08 scoring model is illegal, pursuant to the Equal Credit Opportunity Act. Realizing the error of their ways, Fair Isaac Corp. announced 8 months later to the United States Congress - in August 2008 - that they would restore the score benefit of authorized user credit accounts when calculating the FICO® 08 credit scores.

Secure & Safe

BoostMyScore.NET uses secure SSL technology to protect customers' information as it is sent through the web site. Email encryption software also allows clients' private information to be protected as it is transmitted between BoostMyScore.NET, LLC and Credit Lenders. All personally identifiable information is destroyed following the removal of clients from a tradeline.

At BoostMyScore.NET, security practices are reviewed as frequently as every 24 hours and updated as needed. Taking security very seriously, the company's home office is secured by a 30 day recording cycle of video and audio surveillance, as well as a 24x7 monitored burglar alarm covering windows and doors, to include motion sensing technology within the premises while no one is on site. BoostMyScore.NET continues to spend an inordinate amount of time and money to protect clients' personal information and have therefore never experienced a security breach of any kind.

Why Authorize.net?

Once upon a time, we offered payments to be made through PayPal.com, but have since felt a growing consensus that they were not handling financial transactions safely and exercising security practices below our standards. BoostMyScore.NET feels that the security of our clients is paramount to everything else. PayPal is driven solely by profit. So we changed to a company who is more serious about your security: Authorize.NET.

Even though it costs us more money to operate this way, we choose to limit payments to credit/debit cards (completing prohibiting cash, money order, and payments by bank wire), because doing so provides you with the confidence that we will always do as we promise. If not, you can rest assured Authorize.net can determine the need for reimbursement through their dispute process. Furthermore, you can always dispute the charge with your credit card provider, should we fail to issue a refund we are contractually bound to.

Our credibility is further substantiated by our status as "Authorize.net Verified," which means that we operate with the utmost integrity and it is shown through our stellar record with them. Too many issues, charge-backs, or fraudulent purchases and Authorize.net is known for swiftly closing a merchant's account. This is why you rarely see, if ever, one of our competitors offering your ability to pay with a credit card.

Money Back Guarantee

While our goal is 100% satisfaction with the result of our services and the handling of your experience, we feel there remains a need to put that goal into a legally binding guarantee.

We guarantee that our tradeline(s) will appear on your credit report in less than 60 days, or you get ALL of your money back. Furthermore, we guarantee that our tradeline(s) will remain in your credit report for at least 60 days, even though they typically (80% of the time) remain for several years.

Lastly, we offer this guarantee only as a safety net for you - the client - knowing full well we will do whatever it takes - within reason - to make you a happy customer, regardless of the small print in some elusive contract.