📊 Building Credit History

Services for Thin Files:

• Boom Pay - Fast credit history building
• Tradelinesupply.com - Authorized user tradelines
• UltraFICO - Links bank account to boost score
• Experian Boost - Add utility and phone payments

What's a Thin File?

A credit file with limited or no credit history. Makes it hard to get approved.

How Authorized User Works:

• Someone adds you to their credit card
• Their payment history appears on your report
• Instant boost to credit age and history
• Note: Not effective for all lenders