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Here’s How It Works
Watch this quick video to understand our onboarding and payment process before selecting your plan.
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DB Fast Track COMBO Gold AU Tradeline Package
Boost Your Credit with an Authorized User Tradeline
Single all-in-one COMBO plan, applied per individual client.
Our COMBO Gold Plan AU Package is designed to help enhance an individual’s credit profile by combining credit repair services with a high-quality authorized user (AU) tradeline.
This package is offered as one COMBO plan for one client at a time.
Done-For-You Credit Restoration & Business Funding
We Fix Your Credit.
You Don’t Do the Work.
DB Credit Repairs is a full-service, done-for-you credit restoration company helping consumers, realtors, and mortgage professionals remove negative items, rebuild credit profiles, and unlock funding opportunities without stress, confusion, or DIY mistakes.
You don’t send letters.
You don’t call creditors.
You don’t guess what to dispute
We handle everything for you.
We professionally restore and optimize credit profiles so clients can qualify for approvals faster — whether for a home, car, funding, or financial reset.
Our work goes beyond basic disputes. We focus on credit accuracy, structure, and lender readiness.
⚡ What We Review, Challenge & Correct
We focus on identifying and addressing credit items that may be inaccurate, unverifiable, outdated, or improperly reported, with the goal of improving accuracy and lender readiness.
Collections and third‑party accounts
Late payment reporting issues
Medical collections
Identity‑related or mixed‑file errors
Charge‑offs and past‑due accounts
Repossessions and auto‑related derogatories
Inaccurate balances or payment statuses
Public record inaccuracies (case‑by‑case) and more
Gold Combo
Our Gold Tradeline Combos are designed to help your clients become mortgage-ready fast.
Each package combines our 6-Month VIP Credit Repair Program with Authorized User (AU) Tradeline that build positive history and raise credit scores strategically.
How It Works
VIP Credit Repair Service (up-to 6 Months):
Covers the full credit restoration process — legal disputes, creditor communications, and monthly progress updates.
This service continues for six months, regardless of tradeline cycles.
Tradelines (2–3 Billing Cycles):
Each tradeline remains active for two to three cycles (approximately 60–90 days).
After that period, the tradeline automatically closes unless the client requests an extension or additional tradeline.
Higher-limit tradelines with longer history bring:
Greater utilization relief (balances look smaller against higher limits).
Deeper credit history (adds years of positive payment history to your profile)
Better funding opportunities (banks and lenders reward strong credit with approvals and higher limits)..
Our Payment Process
SELECT YOUR PLAN
PAYMENT INFORMATION
SERVICE AGREEMENT
CREDIT MONITORING UPDATE
FINISH
Gold Duo
Base Price
$1,500
Best for: Clients seeking a rapid, high-impact score boost to qualify for premium or jumbo loans.
Includes:
Everything in Exclusive Credit Repair Plan
6 Months of Unlimited Dispute Services
Attorney-Backed Escalations + CFPB Support
1 Premium Authorized User Tradeline ($1K–$50K+ limit, 2–3 cycles)
Maximum Credit Mix & Score Impact
Aggressive Bureau Escalations
Credit Coaching & Monitoring Guidance
Dedicated Case Manager
⏱ Typical Results: 1–3 Months
WHAT “DONE-FOR-YOU” MEANS
When you enroll with DB Credit Repairs, we take full control of the process from start to finish.
Everything below is handled by us:
Full credit report analysis (all 3 bureaus)
Correct outdated or inaccurate personal info
Preparation and submission of disputes
Tracking, follow-ups, and escalations
Identification of disputable and inaccurate items
Strategy built specifically for YOUR credit profile
Direct bureau and creditor communication
Removal validation and reporting
Ongoing optimization for approvals (auto, mortgage, funding)
📌 You simply enroll. We handle the rest.
Where appropriate, we may also conduct inquiry analysis and advanced reporting reviews.
No templates. No mass disputes.
Every credit file is handled individually using a manual, compliance‑focused strategy aligned with your approval goals.
Years of Trusted Credit Repair Service
Google Verified ★★★★★ 5-Star Client Rated
🛡 100% Satisfaction Guarantee
If you don’t see progress in 120 days, we’ll refund you.
Review From Our Clients
Frequently Asked Questions
(FAQ) About Authorized Tradelines
1. What is an AU Tradeline?
An Authorized User (AU) Tradeline is a credit account (typically a credit card) where the primary account holder adds another person as an authorized user. The authorized user benefits from the account's history, which can help improve their credit score.
2. How Does an AU Tradeline Help My Credit Score?
When added to a tradeline with a positive payment history, low utilization, and a long credit history, the account's information is reported to your credit profile. This can help:
Increase your credit age
Lower your credit utilization ratio
Improve your credit mix and payment history
3. Will I Have Access to the Credit Card?
No. As an authorized user, you are added to the account for credit-building purposes only. You will not receive the physical card or have any spending privileges.
4. How Long Will the AU Tradeline Stay on My Credit Report?
Typically, AU tradelines remain on your credit report for 30 to 60 days after being removed. Some may last longer, but it varies depending on the credit card issuer and reporting agencies
5. How Soon Will I See an Impact on My Credit Score?
Most AU tradelines post to your credit report within 15 to 30 days, depending on the credit card’s billing cycle and the credit bureaus’ reporting schedules.
6. Can an AU Tradeline Guarantee a Specific Credit Score Increase?
No. While AU tradelines can improve your credit score, the impact depends on factors such as your existing credit history, negative accounts, and overall credit profile.
7. Can I Get a Mortgage or Auto Loan Using an AU Tradeline?
AU tradelines can boost your credit profile, but lenders often require primary tradelines (credit accounts in your name). Some lenders do not consider AU tradelines when evaluating loan applications.
8. What Happens If the Tradeline Does Not Post?
In rare cases, a tradeline may not report due to mismatched personal information (e.g., name, address, or date of birth). If this happens, we will work with the cardholder to verify the details and, if necessary, replace the tradeline.
9. Can I Remove Myself from an AU Tradeline?
Yes, you can request removal at any time. Once removed, the tradeline will eventually drop off your credit report.
10. How Do I Choose the Right AU Tradeline?
Consider these factors:
Age of the tradeline (Older accounts are more valuable)
Credit limit (Higher limits help with utilization)
Payment history (No late payments or delinquencies)
Utilization rate (Ideally below 10%)
11. Is Using an AU Tradeline Legal?
Yes, adding an authorized user is completely legal and a common practice. However, some lenders may have policies limiting the weight of AU accounts in credit decisions.
12. Can AU Tradelines Be Used for Business Credit?
No. AU tradelines are for personal credit reports and do not contribute to building business credit.
13. What Are the Risks of AU Tradelines?
If the primary account holder misses a payment, it could negatively impact your credit.
Some lenders may not factor AU tradelines into credit decisions.
If your personal credit profile is heavily negative, an AU tradeline alone may not help.
14. Do AU Tradelines Work for Everyone?
No. AU tradelines are most effective for individuals with limited credit history or minor credit issues. If you have severe negative items (like bankruptcies or charge-offs), other credit repair strategies may be needed.
15. How Do I Get Started?
Sign Up For Free Credit Report today will find the best AU tradeline for your situation. We’ll guide you through the process and ensure you select the right option for maximum impact on your credit profile.
