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We now offer Tradelines!


What are Tradelines and How Does it Work?

We use a traditional method termed "Credit Piggybacking" which is a Fast and Easy Credit Score Booster. Banks have become completely reliant on the FICO® (Fair Isaac Corp®) scoring model. Essentially, FICO® designed a mathematical equation that can quickly analyze your credit history stored on file with the three Credit Reporting Agencies (Experian, Equifax, and TransUnion) and define it by using a 3 digit score ranging from 300-850®.

Banks approve loans and offer better interest rates for applicants with scores closer to 850. According to®, 30% of your score is calculated by the ratio of your credit card limits versus their balances (utilization ratio). The bigger the difference is between your combined credit card balances and combined limits, the higher your credit score will be. When our card(s) appear on your credit report, your score is immediately recalculated to show the boosted credit score!

How Does Credit Piggybacking Works?

“Imagine what $100,000 in available credit and 40 years of perfect payment history would do to your score!”

Pronto Inc. adds your name as an Authorized User (AU) on one of our high limit, low balance credit cards that also have a long and perfect payment history. An AU is someone that has the ability to use the account, but not make any changes to it, or the responsibility to repay any balances that might be owed. The original intent of the AU position was to give Cardholders the ability to add their children, spouses, friends or employees to their accounts so they could have access to the available credit line. A coincidental benefit occurs during this process whereby the account history for that credit card appears on the AU’s (your) credit report, and it looks like that credit card’s history has been there since the account was first opened This “appearance” gives you an immediate FICO® credit score boost.

While you do not receive the physical card or ability to use the credit line, you will receive the amazing benefit of having that particular credit card “copied and pasted” on to your credit report. This extreme increase in the limit to balance (utilization) ratio and overall average age of the revolving accounts on your credit report gives you the biggest possible FICO score boost in less than 60 days; and it’s guaranteed!

Is this Legal?

According to lawyers familiar with the practice of piggybacking, as well as industry insiders, the act of paying someone to add another person to their existing credit card account is perfectly legal.

You don’t have to take our word for it; just take a look at the research.

Is This Ethical?

Considering the various ways banks and the credit card, credit scoring, and credit reporting industries have ensnared the American consumer in their web of control, it is hard to believe that using their system, and playing by their rules to place each of us in a more equitable financial position, is anything but ethical. 



Citibank | $22,000 - $26,000 | MATURITY 40 - 45 YEARS = $2,000.00


Capital One | $7,000 - $9,000 | MATURITY 12 -14 YEARS = $1,000.00


EF Bank | $15,000 - $18,000 | MATURITY 2 - 3 YEARS = $800.00


Barclay | $9,000 - $12-000 | MATURITY 4 - 5 YEARS = $750.00


Citibank | $7,000 - $9,000 | MATURITY 1.5 - 2 YEARS = $600.00

Book your Appointment Today!

         Ready to Get Started?

WARNING: Do not book an appointment if you are not ready to move forward with the service. You will not be taken on as a client.

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