You May Be Able to Boost Your Credit Score by Becoming an Authorized User on a Tradeline with Perfect Payment History!
Ever since U.S. Congress passed the Equal Credit Opportunity Act of 1974, consumers have been able to share tradeline history with authorized users of their credit cards. Most often, cardholders use this practice to help spouses, children, extended family, and friends. Now, piggybackerz.com provides a platform for them to help you, too.
Primary Benefits of Piggybacking Credit
Quick Results
Tradeline history typically posts to your credit report in less than 30 days.
Legal
Legal process that has been used by cardholders since 1974.
Verified Sellers
All cards in our inventory come from sellers with verified perfect payment histories.
Who Uses a Service Like piggybackerz.com
Major Purchase Planning
Looking to improve credit score before a major purchase.
Young Credit Builders
Young individuals having difficulty establishing credit history.
New Citizens
New citizens establishing credit in the United States.
Improving credit scores may:
- Result in a reduced need for security deposit when opening accounts with utilities
- Lower insurance premiums
- Increase chances of approval for housing leases
- Improve chances for credit approval
- Lower rates for credit if/when approved
Who Should NOT Use a Service Like piggybackerz.com
People with NEGATIVE information on their existing credit report will not likely see significant improvement in their credit score. Negative information (such as 30/60/90 day late payments, charge-offs, bankruptcies) are heavily weighted in your credit score. Adding new tradeline information to your report won't undo the negative effects of the derogatory information that is already there.
Before considering purchasing any tradelines, we recommend that you review the information on your credit report. You can request your credit report for free from each of the three main credit bureaus (TransUnion, Equifax, and Experian).
Alternatively, if you create a free account with CreditKarma.com, you can see your TransUnion and Equifax credit information for free.
If you have negative information on your credit report, we strongly advise either waiting for the negative information to roll off your report over time. If the information on your credit report is incorrect, the Fair Credit Report Act gives you the right to dispute the inaccurate information and have it removed from your credit report. Each credit bureau gives you a way to file an online dispute of any information that you believe to be inaccurate.
How It Works
Browse our available tradelines and select the ones that match your goals
Complete your purchase securely through our platform
Our seller will add you as an authorized user on the purchased tradeline
Wait for the tradeline to post to your credit profile
See the potential positive impact on your credit score
The piggybackerz.com Guaranty
Here's what we DO guaranty:
- Tradeline(s) will maintain a credit utilization of less than 10%
- Perfect payment history during posting periods
- Information will post to at least 2 of 3 major credit bureaus
Click "View Full Details" to learn more about our guarantees and important disclaimers.