BASIC

TIER I

STARTING AT $97 / MONTH

  • Credit Limit: $10K+

  • Credit Age: 5-10 Years

  • Utilization Rate: <10%

  • Payment History: EXCELLENT

EX. 2018 CITIBANK 10K

WHO IT’S FOR:

This is an ideal entry level for those new to credit with minimal or no credit history. While the tradelines in this plan are younger compared to those in higher tiers, they provide a solid foundation to jumpstart building your credit profile.

TIER II

STARTING AT $197 / MONTH

  • Credit Limit: $10K+

  • Credit Age: 10-15 Years

  • Utilization Rate: <10%

  • Payment History: EXCELLENT

EX. 2014 CHASE 20K

WHO IT’S FOR:

This is our fan favorite, and it's no wonder why: The robust age of these tradelines provides significant advantages for most users. By adding these tradelines, you can significantly boost your overall profile, making it more appealing to lenders.

TIER III

STARTING AT $297 / MONTH

  • Credit Limit: $10K+

  • Credit Age: 15-20 Years

  • Utilization Rate: <10%

  • Payment History: EXCELLENT

EX. 2006 WELLS FARGO 15.2K

WHO IT’S FOR:

Our top tier offers tradelines with extended histories, ideal for individuals who already have several personal accounts on their credit report. This plan delivers a substantial boost, helping to improve your overall credit score considerably.

American Express cards do NOT report credit age. For this reason, we’ve separated the Amex cards from the tiered subscription plans:

AMEX

STARTING AT $77 / MONTH

  • Credit Limit: $10K+

  • Utilization Rate: <10%

EX. AMERICAN EXPRESS 15K

WHO IT’S FOR:

These are catered to those who already have good age, but they’d want to increase their comparable credit + lower utilization. It’s great as a bonus tradeline.