By using any part of the Site (defined below), you expressly acknowledge and agree that you are entering into a legal agreement with Creditory ("Creditory", “we”, “us” or “our”) and have understood and agree to comply with, and be legally bound by, the following terms and conditions (the “Terms”). You hereby waive any applicable rights to require an original (non-electronic) signature or delivery or retention of non-electronic records, to the extent not prohibited under applicable law. If you do not agree to be bound by these Terms, please do not use any part of the Site. The term “Site” means the Creditory website available at https://creditory.io as well as any services, features and content made available to you thereon.

1. Ability to Accept. By using the Site you affirm that you are over thirteen (13) years of age. If you are between the ages of thirteen (13) and eighteen (18) years, then, prior to using the Site, you must first review these Terms with your parent or guardian to make sure that you and your parent or guardian understand them.

2. License. Subject to your full compliance with these Terms, we grant you a limited, non-exclusive, non-sublicensable, non-assignable, and non-transferable license to access, use and display locally the Site and the Content (as defined below), and solely for purpose of using the Site for your own personal use.

3. License Restrictions. Except to the extent expressly permitted under Section 2 (License) above, you shall not: (a) copy, reproduce, distribute, transfer (by sale, resale, renting, lending, license, sublicense, download or otherwise), modify, create derivative works of, publicly perform, or publicly display any part of the Site or any Content; (b) disrupt servers or networks connected to the Site; (c) use or launch any automated system (including without limitation, “robots” and “spiders”) to access the Site; and/or (d) circumvent, disable or otherwise interfere with security-related features of the Site or features that prevent or restrict use or copying of any Content or that enforce limitations on use of the Site. Compliance with the foregoing restrictions is a condition to the license granted to you under Section 2 (License).

4. Intellectual Property Rights. 4.1. Ownership. Your use of the Site is licensed and not sold to you under these Terms and you acknowledge that Creditory and its licensors retain all title, ownership rights and Intellectual Property Rights (defined below) in and to the Site (and its related software). We reserve all rights not expressly granted herein to the Site. As used herein, the term “Intellectual Property Rights” means any and all rights in and to any and all trade secrets, patents, copyrights, service marks, trademarks, know-how, or similar intellectual property rights, as well as any and all moral rights, rights of privacy, publicity and similar rights of any type under the laws or regulations of any governmental, regulatory, or judicial authority, whether foreign or domestic.

4.2. Content. The content, information, data, text, photographs, videos, audio clips, written posts, articles, comments, software, scripts, graphics, and interactive features generated, provided or otherwise made available on or through the Site (collectively, the “Material(s)”), as well as the User Submissions (defined below) and the trademarks, service marks and logos contained therein (collectively, “Marks”, and together with the Materials and User Submissions, the “Content”), is the property of Creditory Credit Solutions and/or its licensors and may be protected by applicable copyright or other intellectual property laws and treaties. “Creditory” and the Creditory logo are marks of Creditory and/or its affiliates. All other Marks used on the Site are the trademarks, service marks, or logos, as applicable, of their respective owners.

4.3. Use of Content. All Content is provided to you “AS IS” for your personal use only, and you acknowledge that all Content accessed, used, or relief upon by you is at your own risk and that you will be solely responsible and liable for any damage or loss to you or any other party resulting from such access, use, or reliance. If you download or print a copy of the Content, you must retain any copyright and other proprietary notices contained therein. We do not guarantee that any Content you access on or through the Site is or will continue to be accurate.

4.4. Third Party Open Source Software. Portions of the Site may include third party (including open source) software that are subject to third party terms and conditions (“Third Party Terms”). Creditory Credit Solutions will comply with any rightful request you submit to us for exercising your rights under such Third-Party Terms. To the extent of any conflict between any Third Party Terms and these Terms, the Third Party Terms shall prevail in connection with the corresponding third party software.

5. User Submissions.

5.1. The Site may permit the sharing of content by you and other users, including but not limited to information, opinions, recommendations, and/or feedback that you may provide Creditory in connection with the Site and/or your experience while using the Site (collectively, “User Submissions”). Your User Submissions may be made publicly available through the Site. You understand and agree that, whether or not such User Submissions are published, we do not guarantee any confidentiality with respect to any User Submissions. You shall be solely responsible for your User Submissions and the consequences of sharing them. We have complete discretion whether to publish your User Submissions and we reserve the right, without further notice to you, to monitor, censor, edit, remove, delete, and/or remove any and all User Submissions at any time and for any reason. Each User Submission, whether publicly posted or privately transmitted, is the sole responsibility of the user who originated such User Submission. You warrant that all User Submissions originated by you will be accurate, complete, up-to-date, in compliance with all applicable laws and regulations, and will not infringe the Intellectual Property Rights of any third party.

5.2. License to User Submissions. Subject to these Terms, by submitting User Submissions you hereby grant Creditory a worldwide, irrevocable, non-exclusive, royalty-free, fully-paid, perpetual, sub-licensable, assignable and transferable license to use, reproduce, distribute, create derivative works of, publicly display, publicly perform, and otherwise commercially exploit the User Submissions in connection with the Site, and you hereby waive any moral rights in your User Submissions, to the extent permitted by law. You also hereby grant each of our users and Third Party Sources (defined below) a non-exclusive right to use, reproduce, distribute, prepare derivative works of, publicly display and publicly perform such User Submissions in accordance with these Terms. You represent and warrant that you have all rights, permissions and authorizations needed to grant the license rights set forth in this Section 5.2 (License to User Submissions).

6. Third Party Sources and Content.

6.1. The Site enables you to view, access, link to, and use third party Material, which are not owned or controlled by us (“Third Party Content”), and such Third Party Content is provided without Creditory or any other professional person monitoring, examining, validating or altering in any way such information, and without any verification as to whether such Material is true, complete or accurate. “Third Party Source(s)” means: (i) third party websites and services; and (ii) our third party business partners and customers. For the avoidance of doubt, all such Third Party Sources are and shall continue to be the owners of all such Third Party Content.

6.2. We are not affiliated with and have no control over any Third Party Sources. We do not assume any responsibility for the content, terms of use, privacy policies, actions or practices of, any Third Party Sources. Please read the terms of use and privacy policy of any Third Party Source that you interact with before you engage in any such activity.

6.3. We do not endorse any advertising, promotions, campaigns, products, services or other materials that are included in any Third Party Content or communicated to you from a Third Party Source.

6.4. By accessing or using the Site, you may be exposed to Third Party Content that is inaccurate, offensive, indecent, or objectionable. You always have the choice of deciding whether or not to interact with a Third Party Source or to view and use Third Party Content. Your interaction with a Third Party Source and your use of, and reliance upon, any Third Party Content is at your sole discretion and risk.

6.5. You are solely responsible and liable for your interaction with Third Party Sources. You agree to waive, and hereby do waive, any legal or equitable rights or remedies you may have against Creditory, and release Creditory from any and all liability, arising from your use of and interaction with any Third Party Content and/or Third Party Source. If you have any query or complaint regarding a Third Party Source or Third Party Content, you agree to contact the Third Party Source directly.

7. Privacy. We will use any personal information that we may collect or obtain in connection with the Site in accordance with our privacy policy, which is available at (“Privacy Policy”), and you agree that we may do so. Please also be aware that certain personal information and other information provided by you in connection with your use of the Site may be stored on your computer or other device (even if we do not collect that information). You are solely responsible and liable for maintaining the security of your computer or other device from unauthorized access.

8. WARRANTIES DISCLAIMER.

8.1. THE SITE AND ALL CONTENT IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY REPRESENTATION, WARRANTY, GUARANTEE OR CONDITION OF ANY KIND WHATSOEVER (WHETHER EXPRESS, IMPLIED OR STATUTORY), INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND QUALITY OF SERVICE, OR THAT OTHERWISE ARISE FROM A COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE HEREBY DISCLAIMED BY CREDITORY. IN ADDITION, CREDITORY MAKES NO REPRESENTATION, WARRANTY, GUARANTEE OR CONDITION (i) REGARDING THE CONTENT, EFFECTIVENESS, USEFULNESS, RELIABILITY, AVAILABILITY, TIMELINESS, QUALITY, ACCURACY OR COMPLETENESS OF THE SITE OR ANY CONTENT; OR (ii) THAT YOUR USE OF THE SITE OR ANY CONTENT WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, OR WILL BE INTERRUPTED, SECURE OR ERROR-FREE.

8.2. Applicable law may not allow the exclusion of certain warranties, so to that extent such exclusions may not apply.

9. LIMITATION OF LIABILITY.IN NO EVENT WILL CREDITORY OR ITS AFFILIATES BE LIABLE FOR: i. ANY CONSEQUENTIAL, INDIRECT, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES; ii. ANY LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF REVENUE, OR LOSS OF ANTICIPATED SAVINGS iii. ANY LOSS OF, OR DAMAGE TO, DATA, REPUTATION, OR GOODWILL; AND/OR iv. THE COST OF PROCURING ANY SUBSTITUTE GOODS OR SERVICES. THE AGGREGATE COMBINED LIABILITY OF CREDITORY AND ITS AFFILIATES UNDER, OR OTHERWISE IN CONNECTION WITH, THESE TERMS SHALL NOT EXCEED THE AMOUNTS ACTUALLY PAID BY YOU TO CREDITORY (IF ANY) DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE DATE ON WHICH YOU BRING YOUR CLAIM. ACCORDINGLY, IF YOU HAVE NOT PAID CREDITORY Credit Solutions ANY AMOUNTS IN SUCH THREE-MONTH PERIOD, CREDITORY SHALL HAVE NO LIABILITY TO YOU WHATSOEVER. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you. THE FOREGOING EXCLUSIONS AND LIMITATIONS SHALL APPLY: (a) EVEN IF CREDITORY OR ITS AFFILIATES HAVE BEEN ADVISED, OR SHOULD HAVE BEEN AWARE, OF THE POSSIBILITY OF LOSSES OR DAMAGES; (b) EVEN IF ANY REMEDY IN THESE TERMS FAILS OF ITS ESSENTIAL PURPOSE; and (c) REGARDLESS OF THE THEORY OR BASIS OF LIABILITY (SUCH AS, BUT NOT LIMITED TO, BREACH OF CONTRACT OR TORT).

10. Indemnity. If any third party (including, without limitation, a governmental entity) brings any kind of demand, claim, suit, action or proceeding against Creditory, our affiliates, and/or any of our respective directors, officers, employees, agents, representatives, customers, suppliers, or licensors (each, an “Indemnitee”), which is based upon or arises from: IN NO EVENT WILL CREDITORY OR ITS AFFILIATES BE LIABLE FOR:

(iv.A.a) your use of the Site; (iv.A.b) any breach by you under these Terms; and/or (iv.A.c) any of your User Submissions (each of the foregoing, a “Claim”) then, upon request by Creditory (to be decided at our sole and absolute option), you agree to assume full control of the defense and settlement of the Claim; provided, however, that (a) Creditory reserves the right, at any time thereafter, to take over full or partial control of the defense and/or settlement of the Claim; and (b) you shall not settle any Claim, or admit to any liability thereunder, without the express prior written consent of Creditory. In addition, and regardless of whether (or the extent to which) you participated in the defense and/or settlement of a Claim, you agree to indemnify and hold harmless the indemnitee against (x) any costs and expenses (including reasonable attorneys’ fees) incurred by the indemnitee in the defense of such Claim; and (y) any amounts to be paid in settlement of the Claim, or awarded against the indemnitee under such Claim (such as, but not limited to, damages, liabilities, and fines).

11. Term and Termination. Creditory reserves the right to immediately terminate these Terms, or otherwise modify, suspend or discontinue your access to and use of the Site (or any part thereof), for any reason whatsoever, at any time, and without notice to you, and you agree that Creditory will have no liability or obligation to you for any such termination, modification, suspension, or discontinuance. If you object to any term or condition in these Terms or any subsequent changes thereto, or become dissatisfied with the Site in any way, your only recourse is to cease accessing and using the Site. Upon termination of these Terms, your license right under Section 2 (License) will automatically terminate and you must immediately cease all access to and use of the Site. Sections 4 (Intellectual Property Rights) through 15 (General), inclusive, , as well as any provision of these Terms which by nature ought to survive, shall survive termination of these Terms and your use of or access to the Site.

12. Assignment. Creditory may assign these Terms (or any of its rights and obligations hereunder) without your consent and without notice to you. You may not assign these Terms (or any of your obligations or rights hereunder) without Creditory express prior written consent. Any prohibited assignment shall be null and void.

13. Modification. Creditory reserves the right to make changes to these Terms at any time by posting changes on the Site. Such changes will be effective ten (10) days thereafter, and your continued use of the Site thereafter means that you agree to be bound by the changes. Please check the Site regularly for any changes.

14. General. These Terms constitutes the entire agreement between the parties hereto with respect to the subject matter hereof, and supersedes any and all prior or contemporaneous oral or written statements, agreements and understandings regarding such subject matter. If any part of these Terms is found invalid or unenforceable by a court of competent jurisdiction, such provision shall be interpreted as necessary to give maximum effect to its legal intent, and the remainder of these Terms shall remain in full force and effect. No right or remedy conferred upon or reserved by any party under these Terms is intended to be, or shall be deemed, exclusive of any other right or remedy under these Terms, at law or in equity, but shall be cumulative of such other rights and remedies. No failure or delay on the part of any party hereto in exercising any right, power or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or remedy preclude any other or further exercise thereof or the exercise of any other right, power or remedy. Any waiver granted hereunder must be in writing, signed by the waiving party, and shall be valid only in the specific instance in which given. The relationship of the parties is solely that of independent contractors. Nothing in these Terms shall be deemed to create any employment, fiduciary, joint venture, agency or other relationship between the parties. Any section or sub-section headings used in these Terms are for convenience only, and shall not be used or relied upon in interpreting any provision herein.

Credit Repair Organization Act (CROA) Disclosure

In accordance with the Credit Repair Organization Act (15 U.S.C. §1679), consumers are advised of the following rights:

You have the right to dispute inaccurate information in your credit report directly with credit bureaus at no cost.

You may obtain a free copy of your credit report from each credit reporting agency once every 12 months through www.annualcreditreport.com.

No credit repair organization may make false or misleading claims regarding credit improvement or guarantee specific results.

You may cancel services without penalty or obligation within three (3) business days from the date you sign an agreement.

Credit repair services cannot remove accurate, current, and verifiable information from your credit report.

We do not advise, encourage, or engage in the creation of false information, identity misrepresentation, or unlawful credit practices.

No Advance Payment Disclosure (CROA Compliance)

No fees are charged for credit repair services until such services have been fully performed. Payment obligations, if any, are earned only after the completion of services outlined in the client agreement.

Results Disclaimer

Results vary based on individual credit profiles, creditor reporting behavior, and bureau policies.
No specific credit score increase, timeline, or outcome is guaranteed.

Telemarketing Sales Rule (TSR) Compliance Disclosure

In compliance with the FTC Telemarketing Sales Rule (16 CFR Part 310):

We do not request or accept payment for credit repair services until promised services have been completed.

We do not make false or misleading statements, including claims about guaranteed results, credit score increases, or time‑specific outcomes.

Any sales or marketing communications conducted by phone, text, or electronic means are informational in nature and subject to applicable consumer consent requirements.

Consumers may request written documentation of services prior to enrollment.

Add‑On Services Disclosure

Add‑on services (including but not limited to Rapid Rescore, Authorized User/Tradeline services, Certified Mail Processing, and Financial Wellness Products):

Are optional and not required to receive core services.

Are recommended based on a client’s goals and eligibility.

May involve third‑party providers and are subject to availability and verification.

Do not guarantee outcomes or credit score improvements.

Rapid Rescore Disclosure

Rapid rescore services request expedited updates of verified information but do not alter credit data.
All updates depend on creditor and credit bureau response times.
No guarantee is made regarding timing, approval, or scoring impact.

Authorized User / Tradeline Disclosure

Authorized user and tradeline services are provided only where legally permissible and compliant with bureau policies.
We do not create false accounts, falsify credit history, or misrepresent consumer identity.
Impact on credit reports and scores varies and is not guaranteed.

Consumer Law Attorney Disclosure

Legal review and attorney‑related services are limited to review, guidance, and escalation where appropriate.
These services do not constitute a promise of litigation, account removal, or legal outcome unless separately contracted and agreed upon in writing.

Right to Cancel (Required Notice)

You may cancel this agreement without penalty or obligation within three (3) business days from the date of signing.

To cancel, submit written notice via:

Email

Certified mail

Any method specified in your service agreement

Acknowledgment of Understanding

By enrolling in services, you acknowledge that:

You have reviewed and understand your consumer rights.

You understand that results are not guaranteed.

You understand that services are performed in compliance with applicable federal and state laws.

Optional Short‑Form Footer Disclosure (Website Use)

Results vary. No guarantees. Services comply with CROA and the FTC Telemarketing Sales Rule. Clients may cancel within three business days.

Add‑On Services:

Optional services offered in addition to a core credit or financial service package. Add‑ons are customized based on an individual’s credit profile, goals, and eligibility. Selection of add‑on services is voluntary and may require additional fees.

Rapid Rescore

A process used to request expedited updates to a consumer’s credit report when supporting documentation verifies a legitimate change (such as balance reductions or account corrections). Rapid rescore services do not alter credit data and do not guarantee a specific score outcome. Availability and results depend on creditor response and credit bureau processing.

Rapid Rescore Boost / Elite

Enhanced rescore support designed for time‑sensitive credit events, such as mortgage or auto financing. This service focuses on prioritizing eligible documentation and coordination to help ensure verified updates are reflected as quickly as possible. Results vary and are not guaranteed.

Authorized User / Tradeline Services

A strategic service that involves adding a consumer as an authorized user on an existing credit account or evaluating tradeline opportunities where legally permissible. This service does not involve the creation of false accounts or misrepresentation and is intended to support credit history depth and utilization factors. Outcomes depend on account reporting behavior and bureau policies.

Consumer Law Attorney Services

Access to licensed consumer law professionals for review of potential violations under applicable consumer protection laws (including, but not limited to, the Fair Credit Reporting Act). Legal services are limited to review, guidance, or escalation where appropriate and do not guarantee removal of accounts or legal outcomes.

Legal Review & Escalation

A service that evaluates dispute responses, creditor conduct, and bureau reporting for compliance with applicable laws. If warranted, escalation may include attorney‑prepared correspondence. This service does not replace full legal representation unless separately agreed upon.

Certified Rapid Mail Processing

A document delivery service utilizing certified or trackable mailing methods to ensure disputes, responses, and supporting documentation are delivered with proof of receipt. This service supports recordkeeping and response timelines but does not control bureau or creditor processing speeds.

Financial Wellness Products

Educational tools, monitoring services, and financial resources designed to promote long‑term credit and financial health. These products are intended for informational and support purposes and do not constitute financial, legal, or investment advice.

Credit Monitoring

A service that provides access to credit report data, alerts, and score tracking from one or more credit bureaus. Credit monitoring does not directly impact credit scores and is used solely for informational purposes.

No Guarantee of Results

All services are provided on a best‑efforts basis. Due to factors outside of our control, including creditor reporting practices and bureau policies, no specific outcomes, timelines, or score increases are guaranteed.

Client Responsibility

Clients are responsible for providing accurate information, timely documentation, and prompt responses when requested. Failure to do so may impact service effectiveness or eligibility for certain add‑ons.

Regulatory Disclosure

Services provided do not include credit repair guarantees, identity misrepresentation, or unlawful credit manipulation. All services are conducted in compliance with applicable federal and state laws.

90‑Day Money‑Back Guarantee

(Monthly Billing Credit Repair Model)

Service Satisfaction Guarantee

We offer a 90‑Day Money‑Back Guarantee for clients enrolled in our monthly credit repair program, subject to the terms below.

If, after ninety (90) calendar days from your enrollment date, you are dissatisfied with the services performed, you may request a refund of monthly service fees paid, as outlined in this section.

Eligibility Requirements

To qualify for this guarantee, the client must:

Maintain active enrollment and payment status for the full 90‑day period

Submit all required documentation and provide accurate information

Respond to service requests within a reasonable timeframe

Comply with all service terms and applicable laws

Not file chargebacks or payment disputes before submitting a refund request

Refund Scope

Refunds are limited to monthly service fees paid during the 90‑day period

Refunds do not include:Enrollment or setup fees (if applicable and disclosed)Add‑on or third‑party services (e.g., Rapid Rescore, Tradelines/Authorized User services, certified mail, legal review)Government fees, postage, or costs incurred on the client’s behalf

Important Disclosures

This guarantee does not promise or imply deletion of accounts, score increases, or credit approval

Results vary based on individual credit profiles and bureau policies

Accurate, current, and verifiable information cannot be removed

Refund Request Process

Refund requests must be submitted in writing within 10 business days following the 90‑day period.

Approved refunds will be processed within 10–14 business days to the original payment method.

Compliance Statement

This guarantee complies with the Credit Repair Organization Act (15 U.S.C. §1679) and the FTC Telemarketing Sales Rule (16 CFR Part 310). Clients retain the right to cancel within three (3) business days of enrollment without charge.

30‑Day Money‑Back Guarantee

(Pay‑Per‑Delete Credit Repair Model)

Performance‑Based Billing Disclosure

Our Pay‑Per‑Delete (PPD) model charges fees upon request, due to rapid rescore, and etc.

We offer a 30‑Day Money‑Back Guarantee related to service satisfaction, not outcome guarantees, subject to the terms below.

Eligibility Requirements

To qualify for this guarantee, the client must:

Remain enrolled and cooperative for the full 30‑day period

Provide accurate and timely information

Not interfere with the dispute or verification process

Not submit payment disputes or chargebacks before submitting a refund request

Refund Scope

Refunds apply only to PPD fees already paid for deletions that later reappear due to creditor re‑reporting within the 30‑day period

No refund is issued for: Accounts that remain deleted beyond the 30‑day period Accounts that reappear due to new activity or accurate re‑reporting after the guarantee window Add‑on or third‑party servicesSetup, audit, or compliance fees (if applicable)

Important Disclosures

Pay‑Per‑Delete does not guarantee future credit score increases

Creditors may legally re‑report accurate information

We do not control creditor reporting behavior or bureau policies

Refund Request Process

Refund requests must be submitted in writing within 10 business days of a qualifying reappearance during the 30‑day guarantee window.

Approved refunds, minus payment gateway fee(s) will be processed within 10–14 business days using the original payment method.

Authorized User Tradeline FAQs for Creditory

General FAQ

1. What is an authorized user tradeline? 

An authorized user tradeline is a credit account (usually a credit card) where you are added as an authorized user. By being added, the primary account's positive history (such as payment history, age, and credit limit) can potentially reflect on your credit report, helping boost your credit profile and score.

2. Is using authorized user tradelines legal? 

Yes, using authorized user tradelines is legal. The process complies with the Equal Credit Opportunity Act (ECOA) and other legal protections designed to ensure fair credit practices. However, to protect our customers and business, Creditory strictly adheres to guidelines outlined by TSR (Telemarketing Sales Rule , FCRA (Fair Credit Reporting Act), and CROA (Credit Repair Organizations Act).

3. How does an authorized user tradeline affect my credit score? 

When added as an authorized user, the primary account's positive history (payment history, credit utilization, account age, and credit limit) can reflect on your credit report. However, exact credit score improvements depend on your current credit profile and the tradeline specifics. Typically, tradelines can positively impact payment history, utilization rates, and credit age, which are primary factors in credit scoring models like FICO and VantageScore.

4. Why is TSR compliance important? 

Creditory complies with the Telemarketing Sales Rule (TSR), which ensures that customers are treated ethically during financial transactions. This includes clear disclosures, avoiding deceptive practices, and prohibiting upfront fees for certain services (like credit repair). You can rest assured that all tradeline services are offered in full legal compliance.

5. How does the FCRA impact authorized user tradelines? 

The Fair Credit Reporting Act (FCRA) governs how credit information is reported and shared. When working with Creditory, we ensure that tradeline information is accurately and legally reflected on your credit report. Furthermore, we require full transparency and authorization during the addition of tradelines.

6. What is CROA, and how does Creditory comply? 

The Credit Repair Organizations Act (CROA)defines the regulations for organizations providing credit repair services. It prohibits misleading claims, deceptive practices, and upfront fees. Creditory strictly adheres to CROA by providing honest, transparent, and compliant services so you can feel confident in your credit enhancement journey.

7.. How long will the tradeline stay on my account? 

Typically, authorized user tradelines stay on your credit report while you are an authorized user of the account. At Creditory, our tradeline services are offered with a pre-determined duration (usually 1–2 reporting cycles or as agreed upon), which gives ample time for it to reflect and potentially influence your credit score.

8. Can I remove myself from a tradeline at any time? 

Yes, you can request removal from an authorized user tradeline at any time. Simply notify Creditory or the primary account holder, and you'll be removed promptly.

9. How do tradelines impact credit utilization? 

When added as an authorized user, the credit limit of the tradeline becomes part of your overall credit limit. If the tradeline has low utilization (i.e., a small balance compared to its credit limit), it can help reduce your overall credit utilization percentage—a key factor in your credit score.

---Eligibility FAQs 

10. Who can buy authorized user tradelines? 

Most individuals with a credit report are eligible to purchase tradelines. We offer customized solutions for people trying to improve credit scores for personal reasons, loan qualification, or other financial purposes. The tradeline's influence depends on your existing credit profile and other financial behaviors.

11. Do tradelines work for everyone? 

While many people see positive results from authorized user tradelines, they may not work for everyone. Factors such as derogatory marks, high utilization on other accounts, or limited credit history can affect how much impact a tradeline will have. Creditory offers free profile evaluations to determine the best strategies for your situation.

12. How do I know which tradeline is right for me? 

At Creditory, our experts analyze your unique credit profile and goals. We recommend tradelines based on factors like account age, credit limit, and utilization to ensure maximum benefit tailored to your needs.

Implementation & Process FAQs

13. How long does it take for a tradeline to show up on my credit report? 

Tradelines typically appear on your credit report within 7–30 days, depending on the reporting schedule of the primary account holder and the credit bureaus.

14. How do I track the impact of a tradeline on my credit score? 

We recommend monitoring your credit score and report using trusted credit reporting tools or services such as Experian, Credit Karma, or MyFICO. Our team can guide you through tracking changes and interpreting results while the tradeline is active.

15. Will I have access to the credit card as an authorized user? 

No, as an authorized user, you will not have access to the actual credit card. The arrangement only impacts your credit report, and you are not financially liable for the account activity.

Risks & Compliance FAQ:

16. Are there risks associated with tradelines? 

While tradelines are generally safe and legal when used appropriately, risks can include: 

- Misuse or misunderstandings of how tradelines work. 

- Non-compliance with credit laws by certain providers. 

At Creditory, we use ethical practices, full legal compliance with TSR, FCRA, and CROA, and transparent agreements to minimize risks and protect our client.

17. Will I be liable for the debt on the tradeline? 

No, as an authorized user, you are not responsible for debts or obligations related to the primary account holder's credit card.

18. Can tradelines be removed from my credit report? 

Yes, removing tradelines from your credit report is possible once the authorized user status is revoked. Tradelines are not permanent additions and are based on the agreement duration.

Tradeline Selection FAQs

19. What factors should I look for when selecting a tradeline? 

Key factors to consider include: 

- Account Age: Older accounts positively impact the "length of credit history" factor of your credit score. 

- Credit Limit: Higher limits improve your credit utilization ratio. 

- Utilization Rate Accounts with low balances relative to limits offer a better benefit. 

20. How much does a tradeline cost? 

Tradeline costs depend on factors such as account age, credit limit, and demand. Creditory offers affordable options and competitive pricing to fit a range of budgets while staying legally compliant under TSR and CROA regulations. 

Success FAQs

21. Can a tradeline guarantee my credit score increase to 740+? 

Authorized user tradelines can significantly improve your credit profile, but no legitimate company can guarantee a specific credit score change due to varying factors in your credit report. However, Creditory works with you to design the best strategies to achieve your goals, including targeted score improvements.

22. How can I maximize the benefits of tradelines? 

To maximize tradeline benefits: 

- Add tradelines with low utilization and high credit limits. 

- Address any derogatory items on your credit report. 

- Pay down existing debts to lower utilization across all accounts. 

- Open new accounts or consider other credit-building strategies as advised by Creditory.

Final Compliance Statement:

At Creditory, we are committed to ethical and transparent credit enhancement strategies. Our methods are fully compliant with TSR, FCRA, and CROA, ensuring your privacy, safety, and success throughout your journey.

Authorized User Tradeline FAQs for Creditory – TSR, FCRA & CROA Compliant

General Questions:

What are authorized user tradelines?

Authorized user tradelines are revolving credit accounts (typically credit cards) on which a primary account holder adds another person as an authorized user.

Are authorized user tradelines legal?

Yes, adding authorized users to credit accounts is legal and supported by laws such as the Equal Credit Opportunity Act. However, selling tradeline services for credit improvement operates in a legally sensitive area under the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA). Creditory complies with all regulatory requirements, including TSR (Telemarketing Sales Rule) disclosure and self-service sign-up protocols.

What results can I expect?

There is no guarantee of specific credit score outcomes, and how credit scoring models weight the data. Factors like existing negative items, recent inquiries, and the specific bureau's reporting practices influence impact.

How Authorized User Tradelines Work

What is the process for adding an authorized user tradeline?

1. You select a tradeline from Creditory's available inventory based on your credit profile needs.

2. You provide required information (full legal name, Social Security number, date of birth, current mailing address).

3. Creditory facilitates the addition of you as an authorized user to the selected account.

4. The primary cardholder's account issuer reports the tradeline to credit bureaus under your name.

5. The account appears on your credit report typically within 1-2 billing cycles (30-60 days, depending on the issuer).

6. You remain listed as an active authorized user for approximately two reporting cycles (two months) unless extended.

What information do I need to provide?

Most credit card issuers require:

- Full legal name

- Social Security number

- Date of birth

- Current mailing address

Will I receive a physical card?

No. Authorized users benefit solely from the account history and credit limit appearing on their credit report. No physical card or access to the primary cardholder's account is provided.

Will the primary cardholder share personal information with me?

No. The primary cardholder does not need to share credit card information, account numbers, or other confidential data.

When should I purchase a tradeline

Purchase at least 5 days before the tradeline's reporting date (10 days for American Express).

Tradeline Characteristics & Selection

What makes a high-quality authorized user tradeline?

The most sought-after tradelines share three characteristics:

-Long account history (10+ years, ideally 15-25+ years)

- Clean payment record (perfect or near-perfect history)

-Low utilization ratio (balance is typically less than 10% of the credit limit)

What credit limits are typical?

Quality tradelines typically carry high credit limits ($10,000-$50,000+), which improve the authorized user's credit utilization ratio when added to their profile.

Can I purchase non-credit card tradelines?

Authorized users can only be added to credit cards and department store cards, as these are revolving accounts. Creditory does not add clients to business accounts.

Reporting & Credit Bureau Updates

How long does it take for a tradeline to appear on my credit report?

Tradelines typically appear within 1-2 billing cycles after you're added as an authorized user. Superior Tradelines notes that this can take 30-60 days depending on the issuer's reporting schedule. Monitor your credit report to confirm posting.

What if my tradeline doesn't post?

If the tradeline does not appear on your report within 2 days after the expected reporting date, contact Creditory's support team. Non-posting can occur due to various factors, including the card issuer, account type, matching of names/addresses between primary and authorized user, and other issuer-specific policies.

Will the tradeline appear on all three credit bureaus?

Credit bureaus report authorized user accounts in the same manner as other tradelines. However, reporting across Equifax, Experian, and TransUnion may vary slightly based on issuer practices.

How long will the tradeline remain on my report?

You're listed as an active authorized user for approximately two reporting cycles (about two months). Extensions are available in one-cycle increments at reduced cost.

Legal & Compliance Framework

Is Creditory compliant with the Credit Repair Organizations Act (CROA)?

Yes. Creditory operates in full compliance with CROA, including:

- Providing transparent disclosures before service delivery

- Implementing self-service sign-up protocols so clients can engage without speaking to a sales representative

- Obtaining written client agreements with clear terms

- Ensuring all client interactions are documented and compliant

How does Creditory comply with the Fair Credit Reporting Act (FCRA)?

Creditory adheres to FCRA requirements by:

- Ensuring accurate information is reported to credit bureaus

- Respecting authorized user account reporting as a legitimate credit-building strategy supported by FICO and VantageScore

- Protecting consumer privacy and data security

- Providing clients with clear information about how tradelines affect credit reports

What about TSR (Telemarketing Sales Rule) compliance?

Creditory complies with TSR requirements by:

- Utilizing self-service sign-up so clients can register and pay without telemarketing sales pressure

- Providing clear disclosures and terms of service

- Obtaining client consent via documented, e-signed agreements

- Maintaining records of all client interactions and consent

Is selling tradeline services a legal gray area?

The FTC has filed cases against companies offering tradeline services, alleging that some may counsel consumers to make misleading statements about creditworthiness. Creditory operates differently: We facilitate legitimate authorized user additions without making false claims about credit scores or guaranteed results. Clients understand tradelines are one tool in a broader credit strategy, not a guaranteed fix.

Why shouldn't I purchase "primary tradelines" from third parties?

Primary tradelines are accounts opened in your own name with your own credit application. Purchasing primary tradelines from third parties raises serious legal and ethical concerns and is not offered by Creditory. Only authorized user tradelines (legitimate additions to existing accounts) are provided.

Credit Score Impact & Expectations

How much will my credit score increase?

Results vary. There is no guaranteed increase. Factors affecting impact include:

- Current credit profile (thin file vs. established history)

- Presence of negative items (late payments, collections, bankruptcy)

- Tradeline characteristics (age, payment history, utilization, credit limit)

- Credit scoring model (FICO vs. VantageScore weight AU accounts differently)

- Timing of credit applications or inquiries

How do FICO and VantageScore treat authorized user accounts?

Both FICO and VantageScore have publicly acknowledged that authorized user accounts are factored into credit score calculations.

Will tradelines help me get approved for credit?

Tradelines can improve your credit profile, but lenders assess multiple factors beyond credit scores. Some lenders (e.g., Fannie Mae) have specific policies on AU accounts and may not weight them as heavily in lending decisions.

Can I use tradelines right before applying for a mortgage or loan?

Yes, many consumers purchase tradelines to improve their profile before major credit applications. Ensure tradelines post before your application to maximize impact. Plan purchases at least 5-10 days before your expected reporting date.

Extensions & Account Management

Can I extend a tradeline beyond two reporting cycles

Yes. Creditory offers extensions in one-cycle increments at approximately half the original purchase price. This allows you to keep the tradeline active for additional reporting periods if needed.

What happens to the tradeline after it expires

Once the tradeline is removed (after your subscription ends or is not extended), it will continue to appear in your credit history as a closed account for a limited time, depending on the credit bureaus' aging policies.

How do I plan my next steps after purchase?

After purchasing tradelines, consider:

- Monitoring credit reports to confirm posting

- Planning credit applications within the two-month active window

- Deciding whether to extend tradelines or pursue complementary strategies (e.g., utilization reduction, dispute of inaccuracies, secured cards)

- Consulting with a credit counselor about long-term credit goals

Purchasing & Payment

How do I purchase authorized user tradelines from Creditory?

1. Review Creditory's available tradeline inventory and select those matching your needs.

2. Select “Buy” and await invoice.

3. Review and e-sign the Service Terms & Disclosures.

4. Enter personal information and upload required documentation (driver's license and Social Security card).

5. Complete payment via secure method.

6. Receive a confirmation email with tradeline details and reporting dates.

What documentation is required?

- Color copy of driver's license

- Color copy of Social Security card

- Personal information (name, SSN, DOB, address)

What payment methods does Creditory accept?

Creditory uses secure payment processing. Specific methods are displayed during checkout. All transactions are encrypted and compliant with PCI-DSS standards.

Data Security & Privacy

How does Creditory protect my personal information

Creditory implements industry-standard security measures to protect client data, including encryption, secure servers, and restricted access. All client information is handled in compliance with FCRA, CROA, and data protection regulations.

Will my information be shared with third parties?

Client information is shared only as necessary to facilitate the authorized user addition (with the credit card issuer and credit bureaus). Creditory does not sell or share client data for marketing purposes without explicit consent.

Disclaimers & Important Notes

Is there any guarantee of credit score improvement?

No. Credit score results are not guaranteed. Credit scoring is complex, and outcomes depend on individual factors beyond Creditory's control. Tradelines are one strategy within a broader credit-building approach.

Can tradelines help with negative items like late payments or collections?

Tradelines can improve overall credit profile by adding positive history, but they do not remove existing negative items. For comprehensive credit improvement, consider combining tradelines with dispute strategies and payment plans for outstanding debts.

Should I use tradelines as my only credit strategy?

No. Most effective credit improvement combines multiple strategies:

- Authorized user tradelines (positive history)

- Utilization reduction (<30%)

- Dispute of inaccuracies

- Primary tradeline building (secured cards, credit-builder loans)

- On-time payment consistency

What if I have questions about my specific situation?

Contact Creditory's support team. We recommend reviewing your credit report before purchasing tradelines to ensure they align with your credit go