Revolving Credit Accounts

Revolving credit accounts (aka trade lines) are credit accounts that have a specified limit with an open-ended term (ex. credit cards, home equity line of credit, etc.). Experts recommend that you have at least two installment credit accounts open at all times. Our revolving credit account is a fast and easy way to add available revolving credit to your credit reports.

Our revolving credit account provides you with the unique opportunity to leverage  the history you develop, receive discounted rates on healthcare-related services and make purchases from our online store. The benefits of our revolving credit account cannot be compared to other credit-building options, such as secured accounts and bad credit credit cards.

All of our revolving credit accounts report monthly to the major credit reporting agencies, allowing you to quickly enhance your credit profile. With the right credit picture, the addition of our revolving credit account will rapidly elevate your credit scores!

Payment Options

Frequently Asked Questions

Q: How does the installment credit account work?
A: Once the initial setup fee and paperwork are received your account will be forwarded to our finance company and your benefits will be activated.

Q: How long does it take for the accounts to report to my credit reports?
A: Accounts take an average of 60 days to post to your credit reports, which is comparable to the time it takes for any new account to reflect on your credit file.

Q: How many points will my credit scores increase once the account(s) are added?
A: This cannot be determined as there are so many factors that are considered when the credit bureaus calculate their credit score. The score increase will be comparable to if you added an unsecured credit account or a installment account from a major financial institution.

Q: Why are our accounts so beneficial?
A: Having a sufficient number of open trade lines (4+ accounts) is required to have high credit scores and qualify for most large loans. Our accounts allow you to add available credit and develop a positive payment history with the major credit bureaus.

Q: Do I need good credit to be approved?
A: No. We do not check your credit as part of our approval process. As long as you are over 18 years of age and a US citizen with a valid Social Security Number (SSN) you are approved (we do validate all Social Security Numbers and if your SSN cannot be validated you are required to provide us with a copy of their Social Security Card prior to reporting your account to the credit bureaus).

Q: How do I use the revolving credit line?
A: Once your revolving line of credit is active (approx. 5-7 business days from receipt of paperwork + setup fee) you will be emailed an order form to use for future purchases. A 50% down payment is required on all future purchases made on your revolving credit account.

Q: How do I view the terms of your services?
A: The quickest way is to request more information on our programs using the form below. After doing so you will receive an email outlining the terms of our services.

Q: What is our cancellation policy?
A: Your contract must be canceled within 3 calendar days of submission to receive a refund.

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