“CreditSavvi significantly increased my score.”
Pacheco
Business Owner
●Primary Tradeline Accounts
Add a Primary Tradeline That Helps Build Business Credit History
Build $5,000 to $20,000 worth of credit history with low monthly payments, no hard credit pull, and flexible account options designed to support stronger credit growth.
- No Hard Credit Pull
- Reports to Experian & Equifax
- Cancel Anytime
- 100% approval after verification
- No hard credit check
- Flexible monthly plans
- Credit reporting support
- Mobile app access
Partner with us today?
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Simulated Impact
See How Larger Primary Tradelines May Support Credit Growth
A larger primary tradeline may help strengthen credit history, depending on your existing profile and payment behavior.
Thin File (No Credit)
$5,000
Establishes Base Score
$20,000
Stronger Base Established
Rebuilding (500-600)
$5,000
Gradual Positive History
$20,000
Higher Impact Potential
Fair/Good (600-700)
$5,000
Adds Mix & History
$20,000
May Support Limit Increases
Results vary by individual credit profile. Score improvement is not guaranteed. Impact depends on other factors like utilization, payment history on other accounts, and total credit mix.
Choose Your Primary Tradeline Package
Build $5,000 to $20,000 worth of credit history with low monthly payments. Select the package that fits your credit-building goal.
Starter Primary Tradeline
$5,000
Credit Amount
$51/mo
- Boost credit scores from 32 to 77 points
- Cancel anytime no penalty
- 100% guaranteed approval
- Reports to Equifax & Experian 30 days after 1st payment
Silver Primary Tradeline
$10,000
Credit Amount
$102/mo
- Boost credit scores from 32 to 80 points
- Cancel anytime no penalty
- 100% guaranteed approval
- Reports to Equifax & Experian 30 days after 1st payment
Platinum Primary Tradeline
$15,000
Credit Amount
$152/mo
- Boost credit scores from 33 to 82 points
- Cancel anytime no penalty
- 100% guaranteed approval
- Reports to Equifax & Experian 30 days after 1st payment
Most Impactful
Gold Primary Tradeline
$20,000
Credit Amount
$202/mo
- Boost credit scores from 33 to 86 points
- Cancel anytime no penalty
- 100% guaranteed approval
- Reports to Equifax & Experian 30 days after 1st payment
Services Included
As you move up in plans, all previous services are included. So the top plan includes all the services.
CMS
Credit Monitoring Service
DMC
Debt Management Consulting
FLW
Financial Literacy Webinars
ITP
Identity Theft Protection
DTP
Discounted Tax Preparation
CSIP
Credit Score Improvement Plan
DCLA
Discounted Legal Advice
CEC
Credit Education Course
FTCDS
Free Tax Credit Checklist
SBT
Savings & Budgeting Tools
Schedule a FREE consultation today here or call us at 1 (888) 502-3711
- Lower your credit utilization by helping you get approved for higher credit card limits.
- This will not directly lower your credit utilization but helps you set a higher MAX credit limit on your credit report, which increases your chances of getting approved for higher credit card limits with major banks, helping lower your overall credit utilization.
- Get approved for higher credit card limits & bigger loans.
- Tradelines purchased after the 15th of each month will report the following month to Equifax & Experian with the name CreditSavvi.
- No credit check, 100% approval.
- Cancel anytime with no penalty.
- All payments after the 3rd will be held in escrow and returned when account is closed.
- This will report and show on your credit report as an installment loan.
- Each tradeline has a one-time non-refundable $39 account activation fee. After purchase, the tradeline contract will be sent via email and text. Once the $39 account activation fee is paid, everything is officially set up to report within 30 days.
- iPhone and Android app available to manage tradeline and payments conveniently from your phone.
- Most users get the CreditSavvi Primary Tradeline to immediately add a large credit line on their credit report, build payment history which accounts for 35% of your overall credit score, and get approved for larger credit cards & personal loans.
CreditSavvi Credit = MAXIMUM impact
CreditSavvi helps you add a large primary tradeline designed to support credit history, payment history, and stronger approval positioning.
Large Primary Tradeline
Adds up to $20,000 in credit history.
Payment History Support
Payment history accounts for 35% of your overall credit score.
Approval Positioning
Helps support stronger positioning for larger credit cards and personal loans.
Partner Toolkit
Why Add A Primary Tradeline?
Build Larger Credit History
Add a sizeable installment account to support your credit profile over time.
Support Better Approval Potential
A stronger credit profile may help when applying for higher credit limits or larger loans.
No Hard Credit Pull
Apply without creating a hard inquiry on your credit report.
Flexible Account Control
Choose a plan, make monthly payments, and cancel anytime without penalty.
Is This The Right Credit-Building Option For You?
This May Not Be Right For You If
- You need immediate cash access
- You cannot make monthly payments consistently
- You have many recent missed payments or collections
- You are applying for a mortgage soon and are worried about DTI
- You expect guaranteed score improvement
- You are looking for a quick credit repair trick
CreditSavvi May Be Right For You If
- You want to build larger credit history
- You want a primary tradeline instead of an authorized user tradeline
- You are working toward higher credit card limits
- You want to prepare for larger personal or business financing
- You are new to the U.S. and need to establish credit history
- You can make monthly payments consistently
Market Analysis
Compare CreditSavvi With Other Options
Credit Amount Built
Monthly Payment
Hard Credit Pull
Bureau Reporting
Primary Account Status
Cancel Anytime
Cancel Anytime
Designed For Bigger Impact
CreditSavvi
Primary Tradeline
Credit Amount BuiltUp to $20,000
Monthly PaymentLow
Hard Credit Pull
Bureau ReportingExperian & Equifax
Primary Account Status
Cancel Anytime
Cancel AnytimeFull
Small Credit
Builder Loan
Credit Amount BuiltUsually < $1,000
Monthly PaymentModerate to High
Hard Credit PullSometimes
Bureau ReportingVaries
Primary Account Status
Cancel Anytime
Cancel AnytimeZero
Authorized User
Tradeline
Credit Amount BuiltVaries
Monthly PaymentHigh Upfront Cost
Hard Credit Pull
Bureau ReportingVaries
Primary Account Status
Cancel Anytime
Cancel AnytimeZero
Build Credit History In Three Simple Steps
- 1
Apply in Minutes
Complete a simple online application with no hard credit pull.
- 2
Choose Your Plan
Select a primary tradeline package based on your credit-building goal.
- 3
Build Payment History
Make on-time monthly payments while your account reports to credit bureaus.
Everything Built Around Credit Reporting
Bureau Reporting
Reports to Experian & Equifax
Free FICO® Score
Access your score monthly
No Hard Credit Pull
Application is inquiry-free
Cancel Anytime
No long-term contracts
Mobile Access
Manage everything on the go
FDIC-Insured Account Support
Trust in security protocols
What Is An Installment Credit Builder Account?
Funds are held in a secured deposit account during the term.
You make monthly payments that are reported to credit bureaus.
Your principal may be returned when the account is closed. Designed for building history, not quick cash.
Success Stories
What Readers Are Saying
“CreditSavvi has helped my credit score go up and stay consistent — I would highly recommend the same thing for anyone who needs help with their credit.”
David
Entrepreneur
“Great experience. Needed to establish credit after moving to the US, and this was the most professional tool I found.”
Amber
Business Owner
Frequently Asked
Questions
Add Your Primary
Tradeline Today
Start building larger credit history with a flexible CreditSavvi account designed for low monthly payments and long-term credit reporting.
No hard credit pull. Your information is secure.