Wouldn’t it be nice if you could just ad an account to your credit report and it automatically has a 2 years PERFECT pay history? Well, you can AND it is 100% legal. Authorized user accounts are the only legal way to back-date your credit reports and add past positive credit history.
An authorize user is when a family member calls their existing credit card company and ask to have you added as a user. This allows you to use the card, but you are not required to have your credit pulled to qualify for the account. What does happen is that once you become an authorized user the account is then added to your credit profile. And YOU receive the full benefit of the long-standing positive pay history account.
This means your credit scores goes up just as if you had a 2 year perfectly paid account on your credit for years. And the impact to your scores is immediate and substantial. You must be added to a FAMILY MEMBER’S account only. The new score model FICO 08 will NOT give you credit unless the account is linked to an immediate family member.
And make sure you get added to a long-standing account, with positive credit history, and that the creditor does report authorized user accounts on the credit report.
Get added as an authorized user today for a nice credit score increase and to insure you have a healthy credit profile and healthy financial future.
Contact us today to learn how you can have the exceptional credit you deserve.