CREDIT INJECTIONS

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WHAT ARE CREDIT INJECTIONS?

Credit injections are made when the customer is added as an authorized user of a credit account with good payment history, which allows him to “transfer” a reputable account to his own history. This is possible because the creditors will provide the credit companies with all the history of the credit account, which the authorized user receives. FICO® digests this newly added credit and recalculates your score with drastic improvements.

The issuing bank reports positive credit history, including account age, business line limit, and positive payment history to Experian, TransUnion, and / or Equifax.

Bank Name	Card ID	Credit Limit	Date Opened	Purchase By Date	Reporting Date	Stock	Price
Barclays	18369	6,300	2015 May	Jul 5th	Jul 16th - Jul 23rd	4	$740
Barclays	14824	21,900	2015 Jul	Jul 13th	Jul 24th - Jul 31st	1	$960
Barclays	2850	30,000	2018 Sep	Jul 13th	Jul 24th - Jul 31st	3	$905
Barclays	11418	15,000	2014 Nov	Jul 13th	Jul 24th - Jul 31st	1	$877.50
Barclays	7092	20,000	2014 Sep	Jul 13th	Jul 24th - Jul 31st	1	$987.50

Frequent questions

Publication of credit injections:

Because the statement date for each credit injection is different, this posting window may vary, so we provide detailed information as soon as the order is completed.

Capital One, Bank of America, Discover, USAA and Navy Federal, U.S. Bank generally report to all 3 credit bureaus.

Publication time extension in injections

Credit injections are not permanent. The Customer has the option, for an extra payment, to extend the commercial line for 30-180 days during the first 35 days after their initial purchase. After 35 business days, if we have not received an extension request, we will ask our cardholder to remove it from the credit injection after two billing cycles have passed. Deleted credit injections will appear much like the “closed” status or the “terminated authorized user relationship” status on your credit report.

Impact on the credit report

We guarantee the publication of the injections in at least 2 of the credit bureaus. We have no control over credit injection which reports faster to credit bureaus and does not guarantee publication with more than one credit bureau.

To increase the probability that they will appear in the 3 credit bureaus, a minimum of 3 injections should be purchased from 3 different banks.