Increase Available Credit • Improve Utilization • Enhance Credit Mix
Current credit score 600 - 700
At least 2 existing trade accounts in good standing
Clear credit improvement goals
No recent credit applications (last 30 days)
Increased Available Credit - Boost total available credit to improve approval odds
Improved Utilization Ratio - Lower overall utilization for higher credit scores
Enhanced Credit Mix - Diversify account types to address scoring factors
Accelerated Timeline - See results in 30-45 days, faster than traditional methods
Comprehensive Credit Analysis - We review your
current profile to identify improvement areas
Strategic Tradeline Selection - We match
tradelines to your specific needs for optimal impact
Placement and Verification - We secure placement and monitor reporting to all bureaus
Initial Analysis: Within 3 days
Tradeline Placement: 7-10 days
First Bureau Reporting: 15-30 days
All Bureaus Updated: 30-45 days
We offer a variety of tradeline options to match your specific needs
Age: 2-5 Years
Limits: $5,000-$15,000
Perfect payment history
Ideal for: Building credit age and history
Age: 1-3 Years
Limits: $15,000-$30,000
Low utilization
Ideal for: Increasing available credit
Age: 5+ Years
Limits: $20,000-$50,000
Perfect history, low utilization
Ideal for: Maximum credit impact
Tradelines are credit accounts that appear on your credit report. When you're added as an authorized user to an account with positive history, that history can be reflected on your credit report, potentially improving your credit profile.
Our tradelines remain on your credit report for 60 days from placement. After this period, they will be removed unless you choose to renew. This 60-day reporting period is typically sufficient to achieve the desired credit profile improvements for most clients. For those needing longer-term solutions, we offer renewal options at a discounted rate.
Yes. Adding authorized users to credit accounts is a common practice that families have used for decades to help build credit. Our process is completely legal and complies with all regulations.
Our comprehensive credit analysis determines which tradelines will have the maximum positive impact based on your unique credit profile and goals.
Legal disclaimer
Results may vary based on individual credit profiles. This is not financial advice.
© Copyright 2025. Immani Wealth Enterprises.
All rights reserved.