Buy - Better Credit

You pay a company (a "tradeline provider") a fee, often ranging from $300 to over $1,000 , depending on the age and limit of the account.

Services like Experian Boost or RentTrack can add your on-time utility and rent payments to your credit report. buy better credit

You "buy" a small loan that sits in a locked savings account. You pay it off monthly, and the on-time payments are reported to bureaus. You pay a company (a "tradeline provider") a

Many modern scoring models (like newer versions of FICO and VantageScore) have algorithms designed to detect and ignore "rented" tradelines. buy better credit