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FAQ

Credit is such an important thing we strive to build and maintain in our adult lives, but that doesn’t mean it’s easy to understand. Don’t worry! Credit Pro has you covered with our frequently asked questions.

Whether you’re wondering about adding tradelines to credit or how to build up seasoned tradelines, we’re here to help. Explore our FAQs below, but feel free to contact us with any questions not listed here.

How will I know that my line has posted?

You are required as part of your sign up to enroll in a credit monitoring service that pulls information from all 3 bureaus.  The inquiries that you make through your monitoring service are considered soft inquiries and do not show on your report and will not lower your score like a hard inquiry might.  We […]

 

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What might cause a tradeline to not report to my credit?

The most common reason that an account doesn’t show on a credit report is a fraud alert or hold.  Credit bureaus offer a service that will place a lock on your credit report so that nothing new can show up.  This service can be requested by you the consumer, or if you or another agent […]

 

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What guarantees do you offer?

Because of the many factors that go into determining your full credit score, it is impossible to guarantee a specific credit score increase. Our credit consultants are always conservative when setting your expectations as our goal is to under-sell and over-deliver, but as the credit bureaus keep their scoring formulas tightly confidential, no company is […]

 

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How long will the line stay on my report?

It is important to note that authorized user tradelines are a temporary solution.  While the average time a tradeline will stay on your credit report is between 3 and 6 months, we recommend that you be ready to apply for your immediate credit goals right away.  In the very unlikely case that the line falls […]

 

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How long does this process take?

Once we receive your agreement back, our standard processing time is between 6 and 8 weeks for the tradeline to show on your credit report. Expedited orders will begin to post in as soon as 1-2 weeks. Once the tradeline has reported, you will immediately see your associated credit score increase. If you have a specific deadline and need to ensure that your line reports more quickly, we […]

 

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Does this work for everyone?

You might notice that we use the words “qualified authorized user” when we talk about the specifics of how much your credit score can increase.  While this program can work in many situations, it is not for everyone.  There are a couple of important factors that must be taken into consideration when determining whether or […]

 

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How does it boost my score?

Your credit score is a numerical calculation of your credit worthiness. When you purchase items or borrow money using credit, your lender sends details of the account and your payment history to the three credit bureaus: TransUnion, Experian and Equifax. Your information is then put into a complex formula to determine your FICO score, and […]

 

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What is an authorized user tradeline?

An authorized user trade-line is a revolving major credit card line where the credit card holder allows someone else to “piggyback” off of their good credit by adding them as an authorized user of that account. By doing so, this account will then show up on the authorized user or piggybacker’s credit report and give […]

 

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What are tradelines?

The word “tradeline” is really just industry jargon for a much simpler term: account. A tradeline is a credit account. The reason it’s beneficial to add tradelines is that they essentially act as references […]

 

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