CreditSavvi Credit = MAXIMUM impact

Average credit score improvement for account holders that made 12 on-time payments1 

Starting Credit Score

$5,000 Primary

$20,000 Primary  

550

+ 77 points

+ 86 points

600

+ 51 points

+ 60 points

650

+ 37 points

+ 43 points

700

+ 32 points

+ 33 points

All CREDITSAVVI accounts maximize your credit profile by adding a large credit account to your credit report

Not everyone needs CREDITSAVVI-sized accounts, but they may be right for you, if you want to:

• Unlock higher credit limit credit cards 

• Access higher-value personal loans 

• Maximize your potential credit score increase 

CREDITSAVVI accounts are the largest and longest credit builder accounts in the nation

CreditSavvi accounts are for individuals wanting to MAXIMIZE the amount of credit on their profile. CreditSavvi may be right for you, if you:

• Have or had a credit card or personal loan in the past with a good payment history and want higher credit limits, larger loan amounts, or lower interest rates 

• Are new to the US and want to establish a US credit profile with a large amount of credit 

• Want to build a sizeable personal credit history for business purposes (are a sole proprietor) 

CreditSavvi accounts are NOT recommended if you: 

• Have limited financial resources and are just starting to build credit 

• Are trying to obtain your very first credit card or personal loan 

• Have many recent negative items on your credit report, such as multiple late or missed payments, bankruptcy, or collections 

CREDITSAVVI IS optimized to build large amounts of credit with a low monthly payment

CREDITSAVVI IS NOT optimized to build savings

Compare CreditSavvi to other large credit builder accounts.

CreditSavvi 5000 

Self X-Large Builder 

CreditSavvi 15k 

Amount of Credit Built

$ 5,000

$ 3,076

$ 15,000

Monthly Payment

$65

$150

$ 194

APR

3.00%

15.88%

3.00%

Length of Credit History Built

Up to 99 months

Up to 24 months

Up to 99 months

vs Self’s X-Large Credit Builder 

CreditSavvi 5000: Build bigger credit for less the less than half the monthly payment 

CreditSavvi 15K: Build 5x the credit for just $44 more per month 

We gave CreditSavvi 15K and 20K the lowest possible interest rate – just 3.00% APR

That’s less than 1/2 the interest rate charged by Self for its X-Large Builder account 

How CREDITSAVVI works

Build up to 99 months (8 years) of payment and credit history or cancel at any time with no penalty 

According to FICO®, the average ‘Length of Credit History’ for consumers with an 800+ credit score is a little over 10 years (128 months)1 

Open an account in under 3 minutes – no Credit Check 100 Guaranteed approval

1

Apply in minutes

Select an account that fits your budget and goals 

2

Pick a plan

Make on-time monthly payments to build positive credit history

3

Make monthly payments

Potential benefits of larger amounts of credit

Higher credit card limits

Obtain larger personal loans

Establish larger amounts of US credit history

Build personal credit for business purposes

Reports to 2 bureaus 

Reports to Experian, Equifax, 

Free FICO® Score monthly​ 

FICO® Scores are used by 90% of top lenders

No hard credit pull 

There is no hard credit pull when you 

apply

Cancel anytime 

You can cancel anytime with no 

penalty

Because of their large size and long term, CREDITSAVVI accounts are not for everyone 

CREDITSAVVI may be your best credit building option if: 

• You can afford to consistently make the minimum required monthly payment on time 

• You have the ability to easily keep the account open for at least 24 months 

• You don't have a bankruptcy that is less than 7 years old 

• You have loans or credit cards with late/missed payments within the last 12 months 

• You don't want or need money NOW 

CreditSavvi accounts are NOT recommended if: 

• You are applying for a home mortgage in the next 12 months and are concerned about your DTI ratio (Debt-to-Income ratio) 

• You are applying for a business loan that requires a personal guaranty in the next 12 months and are concerned about your DSCR (Debt-Service-Coverage-Ratio) 

CREDITSAVVI Details

PRO TIP: We recommend paying 2x the minimum required monthly payment. 

All CreditSavvi accounts have a $39 non-refundable account activation fee. 

CreditSavvi accounts can be canceled at any time with zero penalty or take early withdrawal with no penalties, so you can pay any amount over the minimum required monthly payment or cancel at anytime for any reason with no penalty. 

What is an installment credit builder account?

• A cash secured credit builder loan where you do not receive the loan proceeds when the loan is originated 
• The loan funds are locked in  a deposit account and held as collateral to secure the credit builder loan 
• You make monthly payments of principal and interest; the principal is returned to you when your account is closed, the interest is how we earn money to provide the service. (because our interest rates are at 0% the initial down payment plus the 2 following payments are non-refundable. You can cancel the tradeline account at anytime with zero penalty).

While you will build savings with your CreditSavvi account, it is optimized for building large amounts of credit, not building savings. 

CREDITSAVVI is an installment credit builder account

Free Fico® Score monthly 

FICO® Scores are used by 90% of top lenders

No credit check

100% Approval Guaranteed

Cancel anytime

You can cancel anytime with zero penalty

CREDITSAVVI credit reporting

Your account and payment history will be reported to Experian, and Equifax. We report in the middle of the month. Any Primary Tradelines purchase after the 15th of any month will report the following month.

​

Not designed to build savings

While CreditSavvi accounts are not designed to focus on building savings, the principal you pay on your loan will be returned when you close your account, less any outstanding interest or fees. (because our interest rates are so low usually 3% to 5% the initial down payment plus the 2 following payments are non-refundable. You can cancel the tradeline account at anytime with zero penalty). 

100% Guaranteed approval

$

260/mo

Gold Primary Tradeline

$

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

MOST IMPACTFUL

Primary Tradeline

Packages

Starter Primary Tradeline

$

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

$5,000

Platinum Primary Tradeline

$

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

$15,000

$

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

Silver Primary Tradeline

$10,000

• 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 which then helps to 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 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 to you via email & text. Once the $39 account activation fee is paid everything is officially setup to report within 30 days.
• iphone & android app available to manage tradeline and payments conveniently from your phone
• MOST USERS GET THE CREDITSAVVI PRIMARY TRADELINE TO IMMEDIATELY ADD A LARGE CREDITLINE 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.

Average credit score increase of

+45 points

$20,000

As seen in

creditsavvi targets the pain points of your credit profile so you see results ASAP

Engineered for bigger and better credit on your terms

​

Payment history contributes 35% of your FICO® score. CreditSavvi impacts 90% of your FICO® Score. Get better credit with the best plan for you

Pacheco

“CreditSavvi significantly increased my score.”

David

“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. ”

Amber

“After a divorce I had to rebuild my credit all over again. So being able to add a primary tradeline to my credit report with no credit check has significantly help me to get approved for larger credit card limits a lot quicker.”

CMS (Credit Monitoring Service)

DMC (Debt Management Consulting)

FLW (Financial Literacy Webinars)

*Services Included: As you move up in plans all previous services are included. So the top plan includes all the services. If you're looking for Business Tradelines with history please click here.

ITP (Identity Theft Protection)

DTP (Discounted Tax Preparation)

CSIP (Credit Score Improvement Plan)

DCLA (Discounted Legal Advise for Financial Issues)

CEC (Credit Education Course)

FTCDS (Free Tax Credit & Deduction checklist

SBT (Savings & Budgeting Tools)

Schedule a FREE consultation today here or call us at       1(888) 502-3111

*Each Primary Tradeline requires a $39.00 one time non-refundable account activation fee to our Data Furnisher. They will handle all subsequent payments and monthly reporting to Equifax & Experian. This will show as an installment loan. Please scroll down for more detailed information prior to purchasing!

### CreditSavvi Educational Primary Tradeline Program — Important Disclosures

**Program Description**

CreditSavvi offers Educational Primary Tradeline Packages designed to provide consumers with financial education, credit awareness resources, and tools to support responsible financial decision-making.

Our packages are offered in four levels: $5,000, $10,000, $15,000, and $20,000. Each package provides access to a designated tier of educational resources, financial tools, and support services. Available benefits and access levels vary by package.

**Educational Services and Member Benefits**

Depending on the package selected, members may receive access to:

- **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

Specific benefits, access limitations, and service availability are determined by the selected membership tier and applicable program terms. Services may be provided by independent third-party providers.

**No FDIC Insurance or Bank Deposit**

CreditSavvi Educational Primary Tradeline Packages are not bank deposit accounts, savings accounts, or FDIC-insured products. They are not backed or guaranteed by the United States government. Membership payments represent fees for the services and benefits specified in the applicable package terms and are not deposits held for the member's benefit.

**Credit Reporting and Credit Score Disclaimer**

CreditSavvi does not guarantee any specific credit score increase, credit rating, credit limit, financing approval, or financial outcome.

Any credit reporting associated with a separately established and valid credit obligation is subject to applicable laws, reporting requirements, and the policies of participating credit reporting agencies. Purchasing an educational package does not, by itself, establish a loan or guarantee that a particular account balance or credit limit will appear on a consumer's credit report.

Individual credit outcomes depend on numerous factors, including existing credit history, payment behavior, outstanding obligations, credit utilization, and the scoring models used by lenders.

**Credit Education and Financial Guidance**

CreditSavvi provides educational information and resources intended to help members better understand credit management, budgeting, financial planning, and responsible financial practices.

CreditSavvi does not guarantee the removal of accurate negative credit information. CreditSavvi does not provide legal, tax, or investment advice through its general educational materials. Professional services, where offered, are subject to the qualifications and terms of the applicable service provider.

**Eligibility and Membership Terms**

Participants must be at least 18 years of age and satisfy any applicable identity verification, payment, and enrollment requirements.

Membership fees, billing schedules, cancellation policies, refunds, and included benefits are governed by the terms presented at enrollment.

**Results and Testimonials Disclaimer**

Individual experiences and results may vary. Educational resources and financial guidance are intended to improve financial understanding and decision-making but do not guarantee improved creditworthiness or access to financing.

Any testimonials or examples are illustrative and should not be interpreted as guaranteed or typical results unless supported by appropriate evidence.

**Trademark Notice**

CreditSavvi® is a trademark of CreditSavvi LLC. All other trademarks and service marks are the property of their respective owners.