John Ovalle

Are you tired of being held hostage by the three kidnappers of credit otherwise known as the credit bureaus? Do you find yourself needing just a little bit of a lift with the credit score to qualify for better interest rates for the home or car you are trying to buy and save thousands? Did the bad boy reporting bureaucracy get in the way of efficient credit repair and correcting those blunders on your report by making it tedious and terrible to attempt? If you have answered yes to any of these questions, climb aboard for a “Piggyback” ride and make lifting your scores easier than baby-kissing for politicians. Authorized user tradelines, (AU tradelines) have helped thousands just like you achieve that lightning fast credit score boost needed for a game changer in both home and car financing.

Finally a Booster Shot for Credit:
When experts in the credit repair industry realized several years ago that authorized user reporting by credit card companies carried the entire payment history to the bureaus it was a great moment in borrowing history. Exactly like having those “booster shots” when you were growing up to keep terrible diseases away this credit-based injection is also your “defender,” but with “fast-acting” results. As soon as someone was listed as “authorized” by the primary credit card holder excellent payment history overtime which comes with those who have superior scores was reported in the very next cycle to the bureaus. The discovery meant someone who had credit which needed a boost of 50-100 points and needed it fast could “piggyback” off of those who had been paying for several years, on time and maintaining low balances.

A Brave New World of Invention:
About 35 seconds after the discovery of the huge positive impact authorized user tradelines had on the first reporting cycle an entire segment was added to the credit repair industry. People with excellent credit were sought to “rent their great credit” to those who needed a lift. One of the best parts of the process was that adding an authorized user to an existing card did not require an additional card or pose any risk to the primary card holder. Credit card companies had minimal rules for adding users and several could be added each month.