How It Works adds you as an “Authorized User” to one of our long perfect payment history, high credit limit, low balance credit cards that can significantly and quickly improve your credit score!  Some people are fortunate to know relatives or friends with excellent credit scores that are willing to add you as an “Authorized User” to their credit cards. makes this available to anyone!  Contact us today to have positive credit history added to your credit report!

Did you know that nearly 90% of all credit decisions in the US are based on your FICO® credit score and that score is determined by a single company’s algorithm? That’s right, Fair Isaac Corporation’s method of determining your credit score is used by all three major credit bureaus. Plus, nearly every lender in the country uses that score to determine your interest rate and whether or not you even qualify for a loan.

Furthermore, credit report errors are prevalent and even if you dispute them getting the errors corrected isn’t easy.  According to a study published by the Federal Trade Commission in 2012“One in four consumers identified errors on their credit reports that might affect their credit scores.”  The study goes on to say that only “One in five consumers had an error that was corrected by a credit reporting agency (CRA) after it was disputed, on at least one of their three credit reports.” Hardly fair is it when the most influential factor in determining your mortgage, car or business loan interest rate is your FICO® credit score?

The six factors below are the main inputs into the mathematical formula that determines your score.  In addition to your score other information on your loan application is used to determine the interest rate you will pay on your loan. In most cases the higher your score the lower interest rate you will pay.

  1. Credit Card Utilization – High Impact – The amount of your total available credit that you’re using
  2. Payment History – High Impact – The percentage of payments you’ve made on time
  3. Derogatory Marks – High Impact – The number of accounts reported to collection, foreclosures, tax liens, bankruptcies, etc.
  4. Age of Credit History – Medium Impact – The average length of time your accounts have been open
  5. Total Accounts – Low Impact – The total number of open and closed accounts on your report
  6. Credit Inquiries – Low Impact – The number of “hard pulls” in the last 2 years for things like credit applications

You can literally save tens of thousands of dollars over the life of a mortgage.  Here’s an example from one lender:

FICO® Score Interest Rate Payment Potential Savings
760 – 850 3.000% $1,264.81
700 – 759 3.375% $1,326.29 $22,132.80
680 – 699 3.625% $1,368.15 $37,202.40
660 – 679 3.750% $1,389.35 $44,834.40
640 – 659 4.250% $1,475.82 $75,963.60
620 – 639 5.000% $1,610.46 $124,434.00

* Based on a $300K 30 year fixed rate mortgage

Before you apply for a loan let help you save thousands by increasing your score! Call today for a free consultation.

An “Authorized User” is someone who the credit card account holder grants permission to use the card without the responsibility to repay the balance or make any changes to the account. Credit card companies started offering this benefit to their cardholders decades ago in order for their spouses, children, employees, family and friends to have access to their available credit. This is also known as “credit piggybacking.”

The side effect of this benefit is that the full history of the credit card account is copied to your (the “Authorized User’s”) credit history. You will not receive the physical credit card or have access to the credit line. However, the credit limit and payment history of the card will appear on your credit report. This results in an increase to your available credit, a decrease in your credit utilization, and years of perfect payment history. The result is a rapid rise to your credit score!

Since your situation is unique — your credit history, your goals, and how much you need to raise your score — the number of cards you need to add and their credit lines and length of history will be unique.  We don’t want you to buy more “Authorized User” slots than you need to reach your goals. However, here are some cards, some attributes about them and their cost to give you an idea:

Type Limit Perfect History Reporting Date Cost
Citibank $40,000 – $50,000 35 – 40 years 11th – 21st $1,950
Capital One $25,000 – $30,000 8 – 10 years 15th – 25th $1,300
Barclay $9,000 – $12,000 6 – 8 years 1st – 11th $1,000
Capital One $3,000 – $4,000 4 – 5 years 10th – 20th $600

Every individual’s credit report is unique and we strongly believe that each customer deserves to be treated that way!  We will review your credit report with you, discuss your financial goals and needs and tailor a credit strategy specifically for you. Your consultation is free, there is absolutely no obligation and you’ll get a personalized action plan —> MyCreditStrategy!

Are you ready to start the process to improve your score today?  Then follow the steps below:

Do you still have more questions? Please visit our FAQ section to learn more. Our best customers are well informed!