Add positive credit history — then build credit of your own.
At Next Level Credit, we believe a stronger credit profile should be built strategically. That’s why our approach can include both authorized-user tradelines and recommendations for establishing credit accounts in your own name.
Our specific authorized-user tradelines are designed to remain active for a 2-month period. A qualifying client is added as an authorized user to an established credit card account selected based on factors such as:
The client does not receive ownership of the account or access to the available credit. The purpose is for the authorized-user relationship to potentially report to the consumer’s credit profile during the applicable 2-month period.
Follow Our 4-Step Process.
An authorized-user tradeline is temporary. Building credit in your own name is the long-term strategy.
For clients who need to establish or strengthen their own positive credit history, we can recommend financial products as part of our 4-Step Credit Building Process.
We start by reviewing your current credit profile to identify what’s already reporting, what may be hurting your profile, and what types of positive accounts may be missing.
Based on your individual profile, we recommend credit-building financial products that may help you establish positive payment history in your own name.
Use the recommended accounts responsibly — making payments on time, maintaining appropriate utilization, and allowing positive payment history and account age to develop.
As your credit profile matures, we review your progress and help you determine when you may be ready to pursue more traditional credit products and additional financial opportunities.
Our authorized-user tradelines have a specific 2-month period and may provide additional established credit history while they are reporting.
These are accounts and financial products selected to help you establish your own credit history through responsible use and on-time payments.
For some clients, the best strategy may involve both approaches as part of an overall credit enrichment plan.
Let us review your credit and help determine which combination of authorized-user tradelines and credit-building products may be appropriate for your goals.
START MY 4-STEP CREDIT PLANExplore financial products and options that may be recommended as part of your individual credit-building strategy.
Rios Financial Group — Financial Products →Important: Authorized-user tradelines do not guarantee a credit-score increase, approval for financing, or reporting by any particular credit bureau. The authorized-user tradelines offered through this program have a 2-month program period. Credit-building products and recommendations vary based on the consumer’s individual credit profile. Results vary, and no specific credit outcome is guaranteed.
