Credit Building/Boosting

The key to a 700 Credit Score is the correct Credit mix. A file should generally:

  • (2) Credit Cards
  • (1) installment loan
  • 2 or fewer inquiries
  • average account age 6 mos – 1 yr


The top 3 factors that make up your score are Payment History, Amounts owed (utilization), and Credit Age (the length of time you have been managing your credit)


We strongly recommend getting the proper tradelines at the beginning of your repair journey so by the time it’s complete, you will have built somewhat of a history of positive payments which is MANDATORY to have a healthy credit score


 We have you covered on the Top 3 score boosting factors


We recommend our Credit Building Card because it does not cause a hard inquiry to apply that will further hurt your score; you can apply for 2 cards using one application

An installment loan can be an auto loan, mortgage, student loan, or any loan you make the same monthly payment amount each month; we recommend a secured loan to avoid a hard inquiry pull, and with our secured loan, you can pay as little as $15 per month; payments are reported to all 3 bureaus each month and the greatest perk is… YOU GET ALL YOUR MONEY BACK AT THE END OF THE TERM!!!

Do you rent your home?

Now you can use your rental history of up to 24 months to age your credit report and it also provides stellar payment history for you so you are tackling 2 of the 3 credit boosting factors at once

Complete the simple form and start using your rental history to show financial responsibility AND age your credit file
Need a boost in a hurry? Don’t have time to wait it out? Is credit File free of almost all negative reporting accounts? Then TRADELINE RENTING is the best option for you…

What are the benefits?
  • inherit a positive payment history, credit age and a healthy utilization
  • increases scores 50-200 points in 45 days or less
  • start getting approvals without waiting

How does it work?
  • added as an authorized user to the acct
  • no card will be issued just the history
  • increases your score in under 45 days
  • reports for 60 days to allow you to apply for the credit you desire
One of the Primary items needed for successful Credit Building and/or Boosting is Credit Monitoring; We offer 2 different monitoring services for your convenience but only 1 is needed 

Why is Credit Monitoring Needed?

  • the first line of defense against ID theft 
  • It can save you time
  • It can help you improve your overall financial health
  • It can help you spot inaccuracies

Choose a monitoring Service


We appreciate your interest in the Gifted Tax Service. Please feel free to contact us at, find us on LinkedIn, or fill out the form to further get in touch with us. Our team will view all the details to get back to you with a better way to help accommodate your needs.
Proving our capabilities and with the hard work of our valuable employees, we have managed to make a sustainable number of clients that recommend us all the time. Being one of the best credit repair companies in your area, it is quite likely that you will get our recommendation for the credit repair job when it is required. Furthermore, if you search for reliable credit repair services near me, you will find Gifted Tax at the top of the list. Providing fast credit repair services is one of the things we do well as a top-notch agency. The purpose of our program is to help people achieve a high credit score so that everyone can enjoy financial stability.
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Industry-leading Credit Repair service provider specializing in preparing your taxes and ensuring that your credit records remain clean for a secure financial future.

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Credit Repair