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). 

                 FDIC-Insured—Backed by the full faith and credit of the U.S. Government. Funds are held in a Wells Fargo deposit account.

1 Starting FICO 8 credit score and increase in points. Results for CreditSavvi 5000 and CreditSavvi 10000 first 12 months after account opening with 12 months of on-time payments for all accounts opened in 2021 with 12 or more months of account activity. Individual results will vary. Every individual’s credit profile is unique, and your personal credit score may be impacted by all accounts and activity reported on your credit report. The average CreditSavvi 20000 accountholder with a starting FICO 8 credit score of 550 or less that made 12 on-time payments saw their credit score increase 86 points in 12 months.

2 FICO Blog: FICO® Score High Achievers: Is Age the Only Factor? Average months on file for consumers with 800 – 850 FICO 9 credit score.

3 FICO Blog: FICO® Score High Achievers: Is Age the Only Factor? Average months on file for consumers under age 29 with a credit score of 750 to 799 is 47 months, with an average months on file for a revolving tradeline of 44 months and average of 69 months since their oldest revolving tradeline was opened.

Account holders must be at least 18 years old and a citizen of the United States or permanent resident with a valid social security number. Applicants for accounts are subject to verification of identity. A valid bank account or debit card account from a United States based institution are required for payment. All payments will be secured in an interest bearing account at a Wells Fargo institution.

CreditSavvi is NOT a credit repair service and does not remove negative credit history from your credit profile.

Disclaimer: Credit profile improvement is not guaranteed. Changes in your credit score reflect individually specific financial behavior and history. Failure to make minimum required loan payments on-time may result in your loan payment(s) being reported as delinquent to credit bureaus which may negatively impact your credit profile.

Accounts may affect payment ratios on applications for other credit. Lender underwriting criteria and individual credit profiles are different, there is no guaranty that use of this product will improve eligibility or approval for credit cards or any other type of financing.

Testimonial Disclaimer: Individual results may vary. Unique experiences and past performance for individuals do not guarantee future results for other individuals. Testimonials may not be representative of all individuals and certain individuals may have inferior results than indicated in testimonials.

With a $30 monthly payment, a loan of $2000 for 120 months at an annual percentage rate of 13.44% would yield a total payout of $ 2000 at the end of the term.

CreditSavvi® are registered trademarks of CreditSavvi LLC FICO® is a registered Trademark of Fair Isaac Corporation.

APR: Annual Percentage Rate

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 Package

$

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. You will be provided a login to creditsavvi.pro to access your services.

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!