How do you buy tradelines with KEYPOINT?

Boosting your credit with KeyPoint is a straightforward process. Here’s how it works:

• Specify Your Needs:

  Browse our available tradelines inventory and submit your application, indicating your preferences.

• User Matching:

  We’ll add you as an authorized user to a suitable credit line and update your credit report. You can purchase multiple lines as needed.

• Enhance Your Credit:

  Leverage your credit history to strengthen your credit report.

What does KEYPOINT do?

At KeyPoint, we connect individuals aiming to boost their credit scores with opportunities to purchase authorized user tradelines. By partnering those seeking credit enhancement with individuals willing to sell their unused credit card spots, we facilitate mutually beneficial transactions. This process helps our clients improve their credit profiles effectively, setting the stage for better financial health and greater opportunities.

How Much Will My Credit Score Increase?

Predicting the exact increase in your credit score is challenging since various factors influence it. However, having a solid credit history is crucial. The age of your credit lines, their limits, and the number of lines you maintain play significant roles in determining the potential boost to your credit score. While we can’t give a precise number, our focus is on optimizing these factors to help you achieve the best possible improvement in your credit profile.

What is an Authorized User?

An authorized user is someone added to a credit card or loan account by the primary cardholder (the person who actually owns the account). This can be a great way for someone with limited credit history or a lower score to get a boost. When you’re an authorized user, the account’s positive payment history can be reflected on your credit report. This can potentially give your credit score a jumpstart. The credit limit of the account you’re added to can also be factored into your credit utilization ratio (a big factor in your credit score). This can make it seem like you have more available credit, which is generally good for your score.

What Do You Mean By A Special Address?

A Special Address is linked to your credit line. Some credit lines require you to add this address to your credit report by updating your personal settings in your credit monitoring service 4-10 days after the statement date. This update can only be done using specific credit monitoring services such as Identity IQ, CreditCheckTotal, FreeCreditReport.com, or Experian.

When can I expect the credit history for the tradelines I’ve ordered to show up on my credit file?

Typically, you can expect to see the credit history for your added tradelines reflected on your credit report within two weeks.This means the information might not appear immediately but should show up within a two-week window after the statement cycle ends.

Who Are The Credit Card Holders?

Credit card holders who use KEYPOINT are people with good credit histories who want to help people looking to increase their credit scores for a limited period. They do this by selling their tradelines.

Do I Get a Card?

Are you wondering if you’ll get a credit card when you become an authorized user? Here’s the deal: authorized users typically don’t receive their physical card. Purchases are made using the primary cardholder’s card, keeping the account secure and under the cardholder’s control.

But don’t worry; being an authorized user comes with great benefits! Your credit report reflects the positive payment history of the account, which can help boost your credit score over time. While you can’t directly contact the credit card company yourself (since you don’t have the account details), the primary cardholder can always manage the account and answer any questions you might have.

What happens if I don’t see the credit history for the line(s) I ordered on my credit report after two weeks?

If the credit history for the line(s) you ordered isn’t showing on your credit report after two weeks, please contact our Customer Support department. We’ll review your credit report to verify the missing line. If you’ve followed all instructions and it still hasn’t been posted, we’ll provide you with a comparable tradeline or issue a refund.

Is Adding An Authorized User Legal?

Yes, adding an authorized user is entirely legal and supported by the Fair Credit Reporting Act (FCRA). Most credit card paperwork outlines this option, making it accessible to all cardholders. While it’s a common practice used for family members and friends, we always recommend consulting with a legal professional for any specific questions or concerns.”