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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 not you are an ideal candidate for this program.  The most important factor that we look at is your last 2 years of credit history.  If you have no negative items such as late payments, charge off’s, repossessions, or liens that have reported as new delinquencies within the past 2 years, you can typically expect to see the higher end of a credit score increase.  This is not to say that if you have had a few challenges in the past couple of years that you will not see an increase in your score, but it will be considered more of a gamble and it is possible that you will see less of a score increase than you had hoped.  It is rare that we have seen someone not get any increase at all by adding one of our lines, but it can happen that the increase given is not enough to meet the specific goals of the user.  Our credit experts are available to consult with you on your individual situation and to provide you with all the tools you need to be able to determine your own level of success vs. risk using our program.