Frequently Asked Questions

At Credit Booster Masters, we believe in transparency and clarity when it comes to our pricing. Before discussing the costs associated with our services, we encourage you to consider a few key factors that will guide your investment:

• Choose Your Credit Score Type: Are you looking to improve your personal credit score or your business credit score? This initial choice will help us tailor our services to meet your specific needs.
• Select Your Product Category: Based on your goals, choose from the following options:
  
  • Personal Tradelines: Starting at $375/month. This service is designed to enhance your personal credit profile by adding established credit accounts, allowing you to improve your credit score effectively.
  • Net 30 Accounts: Available for $175/month. This option helps you build business credit through accounts that provide 30 days for payment. Establishing these accounts is crucial for securing better financing and building a robust credit history.
  • Business Tradelines: Priced at $799/month. This premium service offers a comprehensive approach to establishing and enhancing your business credit, ensuring you are positioned for financial success.
• Credit Bureau Reporting: Next, consider which credit bureau you would like us to report to. This decision will impact your credit profile and the strategies we implement.
• Investment Duration: Determine how many months you’re willing to invest. Your budget will dictate how we can structure your credit repair journey.
• Funding Application Timeline: When we recommend you apply for funding varies by service:
  
  • Personal Tradelines: We typically recommend applying for funding after 3 months of service, giving you time to see improvements in your credit score.
  • Net 30 Accounts: We suggest waiting 12 months to ensure your business credit is adequately established.
  • Business Tradelines: After 6 months, we will assess your business credit profile and advise on funding opportunities.

By considering these factors, we can create a personalized plan that aligns with your financial goals and sets you on the path to improved credit health. Let us guide you through this process and unlock the doors to better financing options!

While our services are priced individually, please be aware that there is no fixed price for any service. After completing the Basic Service for $499, we will provide a tailored quote to meet your specific needs with various options available for you to choose from.

Credit Booster Masters guarantees all of the following:

• If you buy any tradeline by the purchase deadline, we guarantee that it will post on your credit report during the next reporting period listed for each tradeline.
• For all tradelines purchased, we guarantee that you will remain on the card as an authorized user for two monthly reporting cycles.
• We guarantee that the tradelines will post to at least two out of the three credit bureaus.
• We guarantee that all tradelines will have a perfect payment history with no late payments ever reported.
• We guarantee that the current utilization rate will be 15% or lower while you are on the tradeline.

Credit Booster Masters does NOT guarantee any of the following:

• We do not guarantee any positive results on your credit score from purchasing our tradelines. You may see a zero-point boost, or your score may even decrease depending on your credit file and the tradeline you purchase.
• We do not guarantee that you will secure any new funding, loans, credit cards, lines of credit, or achieve any financial goals based on purchasing our tradelines.
• Our customer service representatives are specifically trained not to answer questions about how tradelines may or may not affect your credit score. We do not provide guesses regarding how many points you may gain or how many tradelines you would need to buy to reach a specific credit score. We do not discuss credit scores.
• We do not guarantee any results beyond getting a tradeline to post as detailed above.
• Tradelines will not post if there is a fraud alert or credit freeze with any of the credit bureaus. If you have any fraud alerts or credit freezes, please remove them before purchasing.

For any questions or assistance, feel free to reach out to us at support@creditboostermasters.com.

 At Credit Booster Masters, we’re committed to making your experience seamless. All orders must be placed through our secure website.

1. Create an Account: Sign up on our website to get started.
2. Submit the Client Intake Form: Fill out the form for the service you need. Our specialists will review it.
3. Contract Review: If we decide to proceed, we will send you a contract with an estimate for your review.

Once your order is processed, you’ll receive a confirmation email detailing the service you selected, including the reporting period for each. Remember to purchase each account by the deadline to ensure it posts during the next reporting period.

After placing your order, simply wait for the reporting period to pass. We guarantee that the account will post by the last day of the reporting period, or we will issue a full refund. You will not receive additional status updates beyond your confirmation email.

Credit Booster Masters guarantees the following:

• If you buy any tradeline by the purchase deadline, it will post on your credit report during the next reporting period.
• For each tradeline purchased, you will remain on the card as an authorized user for two monthly reporting cycles.
• The tradelines will post to at least two out of the three credit bureaus.
• All tradelines will have a perfect payment history with no late payments reported.
• The utilization ratio will always be 15% or lower.

Credit Booster Masters does NOT guarantee:

• Positive results on your credit score from purchasing our tradelines. Your score may not change, or it may even decrease based on your specific credit profile and selected tradelines.
• The ability to secure funding, loans, credit cards, or achieve specific financial goals as a result of purchasing tradelines.
• Any results beyond the guarantee of posting as detailed above.

If your account does not post within the guaranteed reporting period, you can request a refund. To process your refund:

1. Create a free CreditKarma.com account.
2. Confirm your credit report has been updated after the reporting period.
3. Confirm the tradeline is not reported on both TransUnion and Equifax. If it posted to at least one bureau, we will also need your Experian data to verify non-reporting to at least two bureaus.

Refund requests must be submitted in writing via email. For detailed instructions, please visit our “Report a Non-Posting” page.

For assistance, feel free to reach out at support@creditboostermasters.com.

WHAT DOES CREDIT BOOSTER MASTERS DO WITH YOUR PERSONAL INFORMATION?

Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include: Specific product or service needs, Social Security Numbers, Credit Profile, Address & Payment Information.

All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share personal information; the reasons Credit Booster Masters chooses to share; and whether you can limit this sharing.

Reasons we can share your infoDo we share your info?Can you limit this sharing?For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYes, we may share your info with necessary parties to help facilitate the products and services that you have contracted for.NoFor our marketing purposes— to offer our products and services to youWe may share your information with vendors that assist us in offering various opportunities to you.Yes, you can opt out of receiving any marketing from us for any products other than the products or services you have contracted for.For joint marketing with other financial companiesWe may share your information with other financial and non-financial entities.Yes, you can opt out of any non-essential sharing with third parties.For our affiliates’ everyday business purposes—information about your transactions and experiencesYes, we may share your info with affiliated parties to help facilitate your goals.Yes, you can opt out of any non-essential sharing with third parties.

To limit our sharing of information or for ANY Questions:
Email us at support@creditboostermasters.com.

Please note if you are a new customer we can begin sharing your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

How does Credit Booster Masters protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted storage of all personal information, data security and breach protocols, and secured files and buildings. All employees are trained and monitored on privacy and security protocols. We monitor all offices with cameras, protect them with monitored alarm systems, destroy all physical documents after they are no longer needed, and keep electronic copies in a secure encrypted environment.

How do we collect your personal information?

We collect your personal information from any and all interactions you have on our websites, web portals, email communications, telephonic communications, mail services, and face-to-face interactions.

Information for Vermont, California, and Nevada Customers:

• Vermont: We automatically treat customers with Vermont billing addresses as if they requested us not to share their information with non-affiliated third parties and limit information shared with affiliates.
• California: For California residents, we will treat you as if you requested not to share your information with non-affiliated third parties, except as permitted by applicable California law. We will also limit the sharing of information with our affiliates to comply with California privacy laws. California residents may request a list of all third parties with whom we have disclosed certain information during the preceding year for direct marketing purposes. To request such a list, please contact us at support@creditboostermasters.com.
• Nevada: You may be placed on our internal Do Not Call List by contacting us at support@creditboostermasters.com. For Nevada residents, you may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General at BCPINFO@ag.state.nv.us.

Why can’t I limit all sharing?

Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services or delivery of contracted products.

What happens when I limit my sharing for an account I hold jointly with someone else?

We limit sharing for both individuals to ensure the protection of your wishes.

 The term “credit repair” can have different definitions depending on who you ask. Generally, however, credit repair is considered to be the process of mending poor credit that is a result of errors in your credit report or identity theft. This is accomplished by disputing inaccurate information in your credit file with the credit bureaus, who will investigate the claim and take appropriate action.

For example, if you have collections on your credit report that are being reported with inaccurate information, you can dispute the collection account and have it updated or removed from your credit report.

Sometimes people also use the term credit repair to mean fixing bad credit in general, using traditional methods such as bringing all accounts current and paying down debts.

For those who are seeking credit repair services through a company, like Credit Booster Masters, you are probably interested in the process of repairing bad credit by disputing inaccurate negative information in your credit file. If your credit score is lower than the average range, going to a credit repair business may seem like an appealing option.

However, keep in mind that credit repair has its limitations. Since credit repair services focus on removing information from your credit file, once that is accomplished, there may not be much left in your file to show that you have a credit history at all. This is especially true of questionable credit repair companies that use dishonest methods to aggressively “sweep” your credit file of legitimate information.

In order to truly improve your credit score, it is important not only to remove inaccurate negative information but also to work on rebuilding your credit.

Credit repair and tradelines naturally go hand-in-hand. In one sense, tradelines pick up right where credit repair ends. Again, credit repair helps to “clean up” credit and tradelines help build or re-establish positive credit history.

One really should not exist without the other; the two techniques are most effective if done in tandem. Since credit repair removes information from your credit file, it may be necessary to add positive information to your file in the form of tradelines in order to truly rebuild your credit.

It does not necessarily matter which one comes first. Both can exist at the same time.

However, if you have bad credit due to inaccurate derogatory information on your credit report, those variables will have an impact on your overall credit picture and could lead to tradelines having a diminished effect. In this case, the most effective course of action would be to repair your credit before adding tradelines.

On the other hand, it is never a bad time to have good things on your credit report. The timing of which strategy should come first ultimately depends on your individual situation and your own timeline.

For example, some credit repair programs take quite some time to accomplish. As we mentioned, is not uncommon for certain credit repair programs to take many months to complete. In these cases, tradelines may fit in at any given time during the credit repair process.

 Surprisingly, not all credit repair companies sell tradelines or even know about tradelines. Sometimes tradeline companies are seen as competition to credit repair businesses because clients may end up spending money on tradelines as opposed to credit repair services.

However, as we have seen, credit repair works best when paired with tradelines. The best credit repair companies will provide you with all of the information and options that you need to make an informed decision about your financial future.

First things first, what are the mechanics of declaring bankruptcy?

According to the United States Courts, “bankruptcy helps people who can no longer pay their debts get a fresh start by liquidating assets to pay their debts or by creating a repayment plan.”

When you move forward with bankruptcy, it could provide a pathway forward without crushing debts holding you back. But the process highlights that you’ve been unable to make good on your promises to creditors.

Of course, there are many legitimate reasons to file for bankruptcy. Regardless of your reasons, though, creditors will be wary of working with someone who has filed for bankruptcy in the past. After all, the creditors want to make sure borrowers are able to repay the loan. If you have filed for bankruptcy before, it sometimes means that a creditor didn’t get their full repayment.

As an individual, you can file for bankruptcy via Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. Here’s a closer look at both.

When you file a Chapter 7 bankruptcy, the court appoints someone to oversee the sale of assets to cover some of what you owe to your lenders. Some assets are exempt from the liquidation sale. But any proceeds from the sale will go straight to your lenders.

After you’ve sold off all necessary items, the court will eliminate the remainder of your eligible debts by discharging the bankruptcy. When the debts are discharged, it means that the lender can no longer try to collect the debt from you.

At the end of the day, a Chapter 7 bankruptcy may give you a clean slate of sorts. But the reality is that you might be required to sell off some assets that you’d rather not part with. Additionally, you’ll have to pass a “means test” before pursuing this option. If you earn more than the state’s median income, you might not qualify for this option.

Unlike a Chapter 7 bankruptcy, a Chapter 13 bankruptcy isn’t designed to clear all of your debts entirely. Instead, it offers a chance to restructure your debts into a more affordable payment plan.

Typically, the payment plan stretches out for a three- or five-year term. During that time, you’ll make monthly payments to pay down your debt. If there is debt remaining at the end of the period, it might be eliminated.

Regardless of what your credit score was before the bankruptcy filing, you’ll likely see a big hit to your score when the red flag hits your credit report.

According to Debt.org, the number of points “lost” will vary based on where your credit stood before the bankruptcy. For example, a person with an average credit score of 680 might see it drop by around 130 to 150 points. But a person with an above-average credit score of 780 could see their score drop by around 200 to 240 points.

If you already have a bad credit score, in the 400s or 500s, there’s less to lose when filing for bankruptcy.

 When your credit score drops, it’s more challenging to lock in financing opportunities for big purchases. Although not impossible to get financing, having a bankruptcy on your credit report is a major red flag for lenders.

Since most of us rely on credit for major purchases, like a home or vehicle, this can become a big problem for our finances. After all, how many of us can afford to purchase a home or vehicle in cash?

Even if you are able to obtain a loan with a bankruptcy on your credit report, you’ll likely pay significantly higher interest rates. Unfortunately, a higher interest rate could amount to paying much more for the same purchase.

For example, let’s say that your credit score tanks after a bankruptcy. You are working on rebuilding your credit score. But due to bad timing, you have to replace your vehicle with bad credit. With that, you have to pay an interest rate of 7% for your 72-month loan of $20,000. By the end of the loan term, you’ll have paid $4,500.57 in interest.

Credit scoring models value a mix of several different types of credit accounts, so a thin file with only a few accounts might be limited in what it can achieve. In this case, adding a few tradelines would be ideal because it would help increase the number of accounts in the file.

On the other hand, someone with no credit at all or an extremely thin file can also experience significant benefits from adding one tradeline, since they didn’t have much there to begin with. Of course, more than one tradeline will help even more.

Accounts that have negative marks such as late payments and collections can really drag down credit. Derogatory accounts need to be outweighed by positive accounts, so one’s credit report should contain at least 2-3 positive tradelines for every negative account. Therefore, multiple tradelines may be necessary to balance out derogatory accounts damaging one’s credit.

Accounts that have negative marks such as late payments and collections can really drag down credit. Derogatory accounts need to be outweighed by positive accounts, so one’s credit report should contain at least 2-3 positive tradelines for every negative account. Therefore, multiple tradelines may be necessary to balance out derogatory accounts damaging one’s credit.

If it is important for a tradeline to post to a specific credit bureau, this is a good time to consider purchasing more than one tradeline.

Unfortunately, banks and credit card companies are not always 100% accurate in their reporting process, so while we guarantee that each tradeline will post to at least any two out of the three major credit bureaus, we do not have any control over which of the three bureaus the tradelines will post to.

Because there is always a degree of uncertainty with tradelines, if you are looking to get a tradeline to post to a specific bureau, purchasing extra tradelines will help provide the added security you need.

Similarly, if something important and time-sensitive is going on that depends on the tradelines posting, the safest bet is to get more than one tradeline. Again, we do offer a money-back guarantee in the event that a non-posting occurs, but the fact is that non-postings do occasionally happen due to inconsistent reporting by the banks.

In time-critical situations, there may not be time to exchange a non-posting tradeline for a new one and wait for the new one to post. If you are counting on tradelines to post within a certain time frame, investing in additional tradelines will help hedge against potential non-postings.