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How It Works

There are three (3) steps to boosting your credit score through BoostMyScore.NET.

1. Fill out the Credit Boost Recipient Form in its entirety

2. Submit payment by clicking on the "Buy Now" button next to the credit card, or package you would like to purchase.

3. Sign and return the Credit Renting Agreement, along with a copy of your valid Social Security card and driver's license. We will send the Agreement to you, via email, as soon as steps 1 & 2 are completed.

Once your BoostMyScore.NET Credit Analyst has received all three of the above items, your Social Security Number, name, and date of birth will be sent to the primary account holder, via encrypted email - designed specifically to automatically delete itself in 30 days - for the card you wish to be added to. They will then log in to their credit card company's web site and add you as an authorized user to their account. The Primary Card Holder will copy/paste the confirmation from the web site into an email and send it to your Credit Analyst, who will then forward it to you, thus completing the first of two confirmations.

Your second confirmation can be expected within 10 days. It will be a copy of the physical credit card with your name imprinted on it and the account number cut out. You obviously do not get any access to this credit line; only the benefit from having it listed on your credit report. The credit account will appear on your credit report in less than 60 days, which is expected to immediately boost your FICO score.

FAQ's:

How big of a boost can I expect?

The boost is different for everyone. It all depends on what is currently in your credit report and what you choose to purchase from us.

The easiest way to answer this question is to say that there are three "Truths" to boosting your credit score through this method.

1) The more tradelines we add to your credit report, the bigger the boost will be.
2) The fewer the number of credit cards that you currently have in your credit report showing as open, the bigger the boost will be.
3) The higher the card(s) you choose from the list on the Decide page, the bigger the boost will be.

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

We guarantee that our tradelines will appear on your credit report in less than 60 days, or we will give you all your money back. Typically they will appear in less than 30 days; most of the time it takes just a week or two. You can actually view the posting dates for each of our tradelines by looking at the list on the Decide page.

Now that my credit score is boosted, what do I do?

Go out and apply for your loan, apply for the job you wanted, or for premium car or home owners' insurance! Start your own business! But whatever you do, remember one thing, this is not a ticket for a shopping spree. Be responsible with your new credit score. Be smart. Plan ahead and stick to your plan. It is very easy to succumb to the temptations of the credit world, but it is those of us who can manage our emotions with self control and logical reasoning who will become masters of our financial future.

A good place to start is by repaying the Banks who have helped you achieve this good credit standing. CitiBank, CapOne, Bank of America. They have given you a step up in the world. Show them your appreciation by giving them the first shot at earning your business. Go to their web site and fill out an application for the card you want, and one that you know you can responsibly manage. Remember, a good credit customer is one who can pay off their ENTIRE balance in full every month. Practice this and it will repay you for the rest of your life.

FAQ's:

Will FICO08 affect my ability to receive a credit score boost?

No. As you can see in Regulation B of the Equal Credit Opportunity Act, and in our recent Press Release, it is unlawful for any lending institution to ignore credit history present in a credit report, regardless of authorized user status, or otherwise. If a bank were to reject your loan application as a result of the presence of an authorized user tradeline, they will be in violation of ECOA and liable to pay out damages to you through a civil claim. It is for this

That’s the legal reason why adding an AU tradeline to your credit report will help and why the Fair Isaac Corporation (FICO) can't stop us. The logical reason is that over 40 million people in the United States are listed as Authorized Users on credit cards. Simply because you have one – or several – on your credit report will not raise any “red flags.” Even if the bank underwriter chose to violate the law and ignore your AU tradelines, it is literally impossible for them to change your credit score. Being that most every loan approval is based on credit scores, you would still be in a good position to acquire an approval, as long as the rest of your application meets the underwriting requirements (income, job history, etc).

How long does the credit card remain on my credit report?

Our Primary Card Holders are required by contract to keep you listed as an Authorized User on their credit card for no less than 60 days. As a result, we guarantee the history of the card you have chosen will remain on your credit report for at least 60 days. If the card falls off your credit sooner than 60 days, we will either issue a pro-rated refund of your money, or re-add you to the card for an additional reporting cycle, at no additional cost to you. If the card does fall off your credit report after the 60-day lease term expires, and you are still in need of its help, we will re-add you for a 50% discount off your original purchase price.

What happens after I am removed from the card?

Once your status as an Authorized User with the credit card company has been removed, the card companies tend to leave the account history on your credit report anywhere from 6 months to 7 years; more than enough time for you to go out and get approved for the loan you need. This time frame will also grant you the time necessary to continue to build your credit score the traditional way, only with lower interest rates.

Will the bank change my mortgage when the credit cards fall off?

Once you close on a mortgage, the mortgage company is contractually bound to hold those loan terms and conditions as agreed in your mortgage. They cannot change the terms solely because your status as an Authorized User has been removed after closing. You will always qualify for the lower rates, as long as your loan closes before the lines are removed from your credit report (6 months - 7 years), and the bank does not adjust their qualifications for loan approval.

Do you repair or corrective negative or incorrect information?

No, however feel free to call us and we can refer you to a person we have been working with for years and highly recommend.

Are these primary tradelines, or authorized user tradelines?

The Federal Trade Commission considers the addition of seasoned primary tradelines to be bank fraud. New primary tradelines will most likely cause a drop in your credit score. We specialize in the addition of seasoned authorized user tradelines, which continue to deliver the same benefits that they always have, no matter what "Not-So-Fair-Isaac" wants you to believe.

Do you work on business credit?

All cards we sell are personal accounts. Business accounts report to the business reporting agency, Dunn & Brad Street, and not to XPN, TU, and EQX. Business accounts do not help your FICO score, unless you were trying to get credit history for a new business.

SOMETHING TO THINK ABOUT:

If your credit score is holding you back from accomplishing your dreams, then you have come to the right place.

Chances are that you have arrived at BoostMyScore.NET because you have the desire to make life better for yourself through financial responsibility. Many people made some poor choices along the way, but now recognize those choices to be mistakes. They are ready to start being responsible, but their credit score continues to keep them down. They are not out to trick anyone in to loaning them money they do not deserve, they just want to be recognized as the credit worthy responsible person they truly are. Unfortunately the punishment doled out by the credit reporting agencies for past errors or mistakes continues to haunt them.

On the other hand, some of our clients have low credit scores through no fault of their own. This may have pertained to a divorce or identity theft and they just don't have time to go through the long and painful process of repairing their credit reports. No matter what brought you to BoostMyScore.NET, know that we can take the load off your back.

If you think you are ready to make the commitment to get your credit score where it should be, then: