Our Purpose

Exclusive Solutions’ mission is to equip and empower individuals

We do so through credit education to achieve future financial success. Through consistent enhancements of our successful system, Exclusive Solutions has assisted thousands of individuals. We equip our clients with the essential credit knowledge to improving their credit score, enabling them to obtain what before seemed impossible before. Our mission is to be a part of your vision.

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Exclusive Services To Accommodate A Wide Range Of Needs

Credit Education

Exclusive Solutions maintains the most up to date information in consumer credit, and continues its proactive approach to credit education that teaches the purpose of credit, how credit works, the benefits of good credit, and how to make credit work for you.

Consumer Credit Repair

Offering credit repair and credit building products/services to those that seek assistance in establishing and/or improving their overall credit profile. By utilizing numerous consumer protection legislation, such as the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and more, Exclusive Solutions’ credit restoration service is able to dispute information that is inaccurately or incompletely reported on a consumer’s credit report. Once derogatory information has been removed, individuals may enroll in Exclusive Solutions’ credit score building process, which quickly adds positive credit to their credit reports in order to obtain treasured positive credit history.

Business Credit

Exclusive Solutions’ Business Credit Packages are designed to assist new and existing business owners. We help businesses obtain business credit that is not tied to their personal Social Security Number. All business credit lines will be tied to the business’ Employer Identification Number (EIN) without a co-signer, regardless of the owner’s personal credit history.

It's The Law

Exclusive Solutions offers direct access to our legal team of experts who specialize in consumer credit laws. Our team of experts will review all credit related legal matters at no extra cost to you.

Customers First

Credit scoring doesn’t discriminate and neither will we. Our client demographic ranges from the credit beginner to the credit expert. As a consumer you have the right to ensure all information has been reported accurately on your credit report. If you are seeking credit repair or you are looking to better position yourself to take advantage of the best financial opportunities, Exclusive Solutions is here to assist you.

The Benefits

Exclusive Solutions offers a personalized approach; we are real people offering real solutions that are both effective and affordable. We work with the client’s desired outcome in mind, and each individual is provided with a thorough analysis of their current credit situation and a road map to get them to their credit destination.

Commonly Asked Questions

Credit Report Basics

Your personal credit report contains:
o Federal district bankruptcy records and state and county court records of tax liens and monetary judgments. This information comes from public records.
o Specific information about each account, such as the date opened, credit limit or loan amount, balance, monthly payment and payment pattern during the past several years. This information comes from companies that do business with you.
o The names of those who have obtained a copy of your credit report. (On your copy of your Experian credit report, addresses are included.) This information comes from the credit reporting agency.
o Your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse’s name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes in part from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.
o Statements of dispute, which allow both consumers and creditors to report the factual history of an account. Statements of dispute are added after a consumer officially disputes the status of an account, the account has been reinvestigated, and the consumer and creditor cannot agree about the account status. Both the consumer’s and creditor’s statements of the account status will appear on the credit report.
Your credit history plays a major role when you apply for any type of credit or loan, such as a credit card, auto loan, mortgage, employment screening, utilities deposits and insurance. It is a good idea to know what is included in your credit history before applying for credit or a loan. Creditors and lenders use your credit history to determine if you are a credit risk. The most important thing you can do to demonstrate you are a good credit risk is to pay your bills on time.

Information from credit grantors and public records, including bankruptcies, judgments and liens. Missed payments and most public record items remain on the credit report for seven years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for up to 10 years. Active positive information may remain on the report indefinitely. Requests for your credit history remain on the credit report for up to two years.
If you’ve lost a spouse, you’re already going through one of the most emotionally draining experiences possible. When a loved one dies, there are also numerous financial matters to deal with, including credit and debt issues. There are, however, some simple steps you can take now to help down the road.
Stabilizing your credit in the event of a death can be difficult, especially if your spouse held all of the credit in his or her name. Keep in mind that in community property states, credit accounts opened during marriage are automatically joint. That means you are still responsible for any debt that your deceased spouse incurred.
By law, a creditor cannot automatically close a joint account or change the terms because of the death of one spouse. Generally, the creditor will ask the survivor to file a new credit application in his or her own name. After reviewing the new information, the creditor will then decide to continue to extend credit or alter the credit limit. You might want to open a new credit account in your name. In doing so, keep in mind that you must use your name only when applying. Including your deceased spouse’s name will result in a joint account. Experian automatically updates its records with periodic reports from the Social Security Administration. When the update is made, your spouse’s credit history will be flagged to show that he or she has passed away and their name will be removed from any preapproved credit offer mailing lists.
One of the great myths about bankruptcy is that it erases bad credit history. It doesn’t. Declaring bankruptcy frees you from paying all or part of the debt you owe. Accounts will be updated in your credit report to show “included in bankruptcy.” However, the accounts will not be deleted from your credit report. Chapter 13 bankruptcy remains on your credit history for seven years. Chapters 7 and 11 are reported for 10 years.
Credit accounts may be deleted at different times depending on their status prior to being included in bankruptcy. Bankruptcy isn’t an easy way to escape a bad credit history. It doesn’t erase your credit report so you can start over with a clean slate. It does stop collectors from calling, but creditors stop calling, too.
A chapter 13 bankruptcy court filing will remain on your credit report for seven years from the filing date. That applies only to the public record item, not the accounts included in the bankruptcy.
However, accounts included in the bankruptcy typically are deleted before the public record item. In most instances, accounts included in the bankruptcy are already delinquent before the bankruptcy filing. The original delinquency date of the account is, therefore, earlier than the bankruptcy filing date.
Because accounts are deleted seven years after the original delinquency date, the accounts will likely be deleted prior to the bankruptcy public record. If the accounts included in the bankruptcy were not delinquent when you filed, the accounts will be deleted at the same time as the bankruptcy public record.
The seven year rule also is true for accounts included in chapter 7 bankruptcy, but the bankruptcy public record will remain 10 years from the filing date.

Understanding Business Credit

Your business credit record is the primary way that companies evaluate whether to do business with you—and on what terms. Companies rely on your business creditworthiness to make critical decisions, including whether:
• to sell to you
• to lend you money
• you are viable as a partner
• to lease the equipment you need to grow your business
• to increase your line of credit
• to help you carry more inventory at competitive prices
• to give you favorable financing rates and terms
• you stack up favorably against other companies competing in your market space
Business credit includes a variety of data points about your business, such as the date it started, the skills and experience of your top leaders, number of employees, and annual sales. This type of information is listed in your business credit profile, along with scores and ratings that are derived from your business’ past behavior to predict its future behavior. For example, your ability and willingness to pay your bills on time in the past is factored into your ability and likelihood of paying your bills in the future.
Dun & Bradstreet, 2008.
Your business credit profile is like your business’ résumé; it contains critical information that other businesses use when deciding whether or not to do business with you and on what terms.
Like a personal resume you use to obtain employment, it’s important that the information in your profile is accurate, complete and timely. No one knows your business better than you. You might have a thriving and profitable business, but when doing business with others, often what matters more is what is documented in the credit report they receive on you. Most companies want a complete and unbiased view of who you are (and how risky it might be to work with you). The business credit scores and reports give companies that want to do business with you a fast, objective measurement of your credit risk.
You should think about your business credit profile in terms of:
• What is in your credit profile? What is it telling other companies about you?
• How do your current business credit scores affect the interest you pay on your
existing loans
• Did you get the best terms?
• Have your scores improved enough to consider refinancing, or extending your
credit lines?
• Do new suppliers extend you favorable credit terms or ask you to pay Cash on
Delivery (COD)?
• Are your competitors getting better terms for the same items?
• Have you lost a deal because your competitor had better credit?
If your answer to any of the above questions is “I don’t know”, your business credit profile may not be working to your advantage – it may actually be costing you money.
Good credit is the lifeline of your business. It enables you to obtain funding for things like expansion, capital expenditures, research development, the cash necessary for survival, and staffing. It is the principal contributing factor to your business’ future growth. Good business credit also allows you to keep the cash you have to cover your cost of doing business; such liquidity allows you to respond quickly to time sensitive requirements without compromising daily operations.
It’s not just about getting access to financing; business credit has increasingly become the primary vehicle for setting terms on business loans, determining insurance premiums, and even setting lease payments. Good business credit can earn you lower rates, while strengthening your cash flow.
Information that goes into creating a business’ credit profile comes from a variety of primary and secondary sources, such as:
• Payment and banking data from company suppliers
• Suits, liens and judgments, UCC’s, business registrations, incorporations, and bankruptcy filings from state and county courthouses
• Corporate financial reports
• Contracts, grants, loans, and debarments from the federal government
• Web mining
• News and media
• Yellow Pages and other print directories
• D&B business credit profile, direct investigations
and interviews with company principals (i.e. self-reported data) and other
companies that you work with
D&B Rating: an overall assessment of your business’s creditworthiness and viability.
PAYDEX Score: a predictive indictor that measures the likelihood of your business paying within an agreed-upon timeframe.
D&B uses statistical models to develop a company’s scores and ratings. The most significant contributing factor to that rating is the promptness with which you pay your bills. Mathematical methodology creates a score that shows, on average, how many days beyond terms your company pays and whether you pay within terms. This information is factored into almost every score or rating that D&B provides. The more prompt the payment history, the better your business credit scores and ratings will be.

Credit Card Information

Credit cards can be a great financial tool if they are used wisely, but when used carelessly they can get you into financial trouble.

There are many mistaken beliefs surrounding the credit card industry and credit cards affect credit scores. Consumers should be aware of which factors to consider when transferring balances or closing a credit card account.

We have provided answers to frequently asked questions about credit cards! This includes how transferring balances affects credit scores, how to recover from joint credit card debt, and where to begin paying off your credit cards.

Including someone as an authorized user on one of your accounts will not affect your credit scores, even if the other person has a poor credit history.
Separate credit histories are maintained for each individual. Accounts are reported with the names of each individual who is associated with that account. The account then becomes a part of each individual’s credit history and includes the type of association they have with the account, such as authorized user. When a person is added as an authorized user the account will appear in that person’s credit report.
If both your names are not on other shared accounts, nothing from their poor credit history will be added to yours and your good credit history will not be added to theirs. The only change will be the addition of the authorized user’s account to their credit history.

Credit scores are calculated using information from your credit history. So, making them an authorized user will not affect your credit scores because none of the other person’s credit history is combned with yours. Many scoring models do not score authorized user accounts; they may not help the other person.
The risk is that the authorized user will abuse the privilege and make charges that you cannot afford to repay. If you can’t make the payments on time, the late payments will appear in your credit report and will hurt your credit scores.

You are in control of your debt and have the ability to choose which credit is right for you. Be selective with regard to which offers you decide to accept. Only select the one or two cards that offer the terms and incentives that you really want or need.
There are many things to consider in a card offer. Low interest rates typically top the list, but that is only significant if you “revolve’’ or pay less than the full amount that you charge each month. I strongly recommend against that. If you do not revolve a balance each month, annual fees, high limits and special incentives such as airline miles, cash back offers or insurance might be even more significant in your decision.
Your credit report does not show whether an application has been approved or declined, so a declined application will not hurt your credit history or credit scores.
When you apply for credit, the lender will request a copy of your credit report. That request causes an inquiry to be added to your credit history. The inquiry doesn’t show whether the application was approved or declined. It is simply a record that someone has accessed your credit report because you have applied for credit.
If you are approved, a new account will appear in your credit history. If no new account appears, that doesn’t necessarily mean your application was declined. People often change their mind and choose not to accept the account for a number of reasons.
From one of our credit card companies, increasing our interest from 7.90 percent to 17.90 percent, and from fixed to variable. Which decision will be best for our credit ratings, closing the account or paying it off and keeping it open at the higher rate, but not using it?
As with so many questions about credit reports and credit scores, the answer is that it depends on your overall credit history.
Generally, it is better to pay off the account balance and keep the account open. Credit scores are affected by your utilization rate, which is the ratio of your total account balances to your total available credit limits. The lower your utilization rate, the better.
Keeping the account open ensures that the card’s credit limit is included in the calculation. Paying off the balance further reduces the utilization rate. If you have no other credit cards that have a lower interest rate, you should use the card periodically and pay the balance in full each month just to keep the account active. If you have no credit activity, there is no basis for predicting your risk.
However, credit scores should not be the only factor in your decision. Too often I hear from people who are buried in debt, and the last thing they should be concerned about is their credit scores.
If you are deeply in debt, are struggling to make your payments on time, or already have late payments, closing the account could be the right thing for you to do, especially if you are tempted to use it. It would be better to close the account than risk digging yourself deeper into trouble.
In that case, credit scores are not important because you shouldn’t be taking on more debt, anyway. Instead, you should be taking steps to reduce the debt you already have and making sure you don’t add to it.
So avoid high interest payments at all costs. No matter what your debt position, that is such a smart thing to do.
Cancelling or closing a credit card can sometimes cause a temporary decrease in credit scores because it affects the overall balance-to-limit ratio. However, the history for that account will not be lost immediately.
When you close an account, you lose the available credit associated with it. That reduces the sum of your credit limits. Your total balances do not change, making it appear that your total balances have increased compared to your total available credit. That ratio is called the balance-to-limit ratio.
A high balance-to-limit ratio has proven to be a strong indicator of risk. When that ratio increases suddenly, it can negatively impact credit scores.
For that reason, it generally is best for most people to leave unused accounts open. Just be sure to keep the credit card in a safe location, or shred it.
If you choose to close an account you will not lose the history right away. Closed accounts with a zero balance and no negative history remain 10 years from the date they are reported closed.
Closed accounts with negative history, such as late payments, remain seven years from the original delinquency date of the negative information.
The result is that positive accounts will remain part of your credit report longer than negative accounts. Retaining that information is beneficial because a long, positive credit history is one of the best indicators that you will be a low risk customer.
Far more important than the number of credit cards you have is how you use them. The keys to improving your credit scores are simple, keep the balances on your existing credit cards low and always pay the bills on time.
Credit scores are derived from how you utilize your credit resources over a period of time. A long history of responsibly using a few credit cards can result in better credit scores than a short history with a large number of credit cards.
If you were to suddenly apply for several new credit cards, there would likely be a negative impact on your credit scores, not a positive change. Because there is no payment history associated with the new accounts, credit scoring systems don’t know how to interpret them. That often results in a temporary decline in scores, not an instant improvement.
In the long term, the important issue is utilization, also called the balance-to-limit ratio. Your balance-to-limit ratio is the total of your balances divided by the total of the limits on your credit cards. Having more cards can increase your total available limit, reducing your balance-to-limit ratio, which can positively affect credit scores.
However, keeping low balances on just a few credit cards can result in very good credit scores. So, improving credit scores alone is not a good reason to apply for a bunch of new credit cards. You should always have a good reason for getting a new credit card.
Improving credit scores isn’t a good reason because there is no way to know if that will be the result. Instead, consider lower interest rates on balance transfers or new charges, airline miles, cash back bonuses, or other benefits.
Once under the original credit grantor and then under a collection agency? How does this affect the deletion date?
Your credit report is a credit history. That history documents the life of a debt. As a result, it will show both the original lender and any subsequent collection accounts. However, they are not seen as two separate debts. Instead, a collection account is recognized as a continuation of the original debt.
The account you had with your bank should be listed as charged off. It could also show that it has been sold or transferred to a collection agency. Charged off, transferred or sold are considered a final status, essentially the same as closed. As a result, that account entry is no longer an active debt. However, it will continue to appear on your credit report to accurately reflect the account history.
The collection account now represents the active debt. Usually, a collection account indicates that it was purchased or transferred from or transferred from the original lender.
The collection agency may then sell the account to another collection agency. The first collection account would then be reported as sold or transferred, and the new, active collection account would be added to the credit history.
Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account. The original account and subsequent collection accounts will be deleted seven years from the original delinquency date. The original delinquency date is the date of the first missed payment after which the account was never again current.
The collection agency is required by law to carry over that original delinquency date from the first account and report it to the credit reporting company. That ensures the collection account is deleted at the correct time.

Meet Tiffaney

Our mission is to be a part of each student’s vision.

Meet Tiffaney, your leading Financial Strategist with over 12+ years of experience in helping individuals gain financial freedom by restoring credit. She is a Certified Credit Counselor with a master’s degree in accounting and economics, and a proven track record of more than 10,000 credit repair success stories. She is nationally acclaimed in the financial industry with over 20+ features with highly syndicated news appearances with NBC, USA Today, CBS, FOX ABC, Future Sharks, and the list grows.

You can be confident knowing that you are in good hands. As a certified credit analyst, financial strategist, NACCC, EA, CMA Ms. Williams will help you get your credit and finances back on track with ongoing education to assure that you can properly sustain your credit and financial worthiness.

In her own words: At the age of 21, I went shopping and always spent frivolously. I was maxing out every credit card I owned, spending out more than what was coming in. I never considered what I was going to do when all of those minimum payments added up to more than I could afford. I did not understand credit nor was I aware of how to maintain it other than spending all of the available credit I had. I would then make payments when I was able, but times were extremely tough and my finances were scarce, to say the least.

By the age of 23, I was forced to file for Chapter 7 bankruptcy. I decided to visit a credit repair specialist. The woman pulled my credit reports and told me it would cost $5,000.00 for her to repair my credit! I could not afford that and asked if there were any other options. She informed me that she was my only option and that was her price. Thinking my life was over, my face dropped to the floor. I walked out of her office and noticed about twenty other people outside her door waiting to be serviced. I thought to myself, “Why can’t she give me a break with all these clients?” That singular moment fueled my fire to learn the business, and from then on, I set out to master credit repair and make it available to people in every demographic and financial status level.

For the next three years, I spent my time in libraries and book stores reading and researching everything regarding credit and the financial field. My newfound knowledge gave me a blueprint to create what I knew people needed. To take my education even further, I traveled all over the country taking classes on asset protection, credit law, consumer law, and the Fair Credit Reporting Act. Today, I am nationally certified in over 10 qualified credit, finance, financial literacy, asset development strategies courses. I promised myself when I mastered the credit and financial industry, I would repair, restore, rebuild, and educate people.

We at Exclusive Solutions don’t service the same clients more than once. We believe everyone deserves a second chance, however, we also believe clients have a responsibility to employ the education we gave them. We also believe they should be diligent with their credit and finances as they look to the future. We create a financial road map for each individual with ongoing education to make sure the same mistakes don’t become a lifestyle pattern.
Our goal is to make sure our clients can build wealth for their personal and business needs. We thrive on excellence, never over-promising or under-achieving.

So who is Exclusive Solutions for?

– If you need money and/or credit to start/excel your business, we should talk.

-If you need assistance with establishing your business, making the crucial decision on which entity you should choose, we should talk.

– If you are launching a new business and desire business coaching, as Tiffaney did 15 years ago, we should talk.

Our goal is to help restore your financial buying power and help you see you through the loops and holes to success.

Forever grateful,

Tiffaney Williams – CEO

Consultation Fees

1 hour in-office consultation with Financial Strategist Tiffaney Williams $499.99

30 min. Strategy Session is $110.00
1 hr. Strategy Session is $197.99



Meet Tiffaney, your leading Financial Strategist with over 12+ years of experience in helping individuals gain financial freedom by repairing, restoring, rebuilding, and educating her students to financial success.

She has a master’s degree in economics and a bachelor’s in accounting. Her proven track record of more than 500 financial success stories. She is nationally acclaimed in the financial industry with over 20+ features with highly syndicated news appearances with NBC, USA Today, CBS, FOX ABC, Future Sharks, and the list grows.

You can be confident knowing that you are in good hands. As a certified credit analyst and financial strategist. With certification as a NACCC, EA, CMA Ms. Williams will help you meet your financial goals.

She has over 12 sources of income with 2M in business credit and net company sales over 1M. She is a product of her products.

She has one goal in mine and that’s to assist you in meeting yours. Her mission is to be apart of your vision.


Women Owned Business in the United States

  • More than 11.6 million firms are owned by women, employing nearly 9 million people, and generating $1.7 trillion in sales as of 2017.
  • Women-owned firms (51% or more) account for 39% of all privately held firms and contribute 8% of employment and 4.2% of revenues.

Businesses Owned by Women of Color

  • 5.4 million firms are majority-owned by women of color in the U.S.
  • These firms employ 2.1 million people and generate $361 billion in revenues annually.

Million Dollar Businesses

  • One in five firms with revenue of $1 million or more is woman-owned.
  • 4.2% of all women-owned firms have revenues of 1 million or more.


About 20 percent of small businesses fail in the first year. By the fifth year in business, about 50 percent fail. Looking at the failure rate of companies, starting a business can be scary.

First of all, let’s consider a few questions about failing businesses:

Are new businesses more likely to fail than more established companies?

What time frame are we talking about? Are we referring to business failing within the first year or the first two years, or 5 or 10 years? The failure rate among companies is very different, depending on how long they have been in business. According to the Bureau of Labor Statistics, about 20 percent of small businesses fail in their first year, about 50 percent in their fifth year. About 80 percent of companies with employees survive their first year, and about 70 percent will survive in their second year in business. Data shows that about 50 percent of businesses with employees survive their fifth year in business.

What qualifies as a failed business?

Does failure mean the business no longer exists or that it exists in a different form? For example, how do we count a company that was merged with another business? Is that business a failed business? What if the business owner retires and closes the shop down. Does that count as a failed business?


Are we looking at failure rates based on the industry? Do we get an accurate number if we lump all businesses under one umbrella? Different industries have different failure rates. For example, 75 percent of construction companies survive their first year in business, 65 percent survive the second year, but only about 35 percent make it through their fifth year in business.

Nearly 20 percent of scientific, professional, and technical service businesses fail in their first year. Finance and insurance businesses have a high first-year failure rate, too, at about 16 percent.


According to the U.S. Bureau of Labor Statistics, about 50% of all new businesses survive five years or more, and about one-third survive 10-years or more.This is an interesting statistic because it shows you that a more mature business has a better chance of surviving.


According to the Small Business Administration – The SBA – close to 66% of small businesses will survive their first two years. What that means is that only about one-third of total companies will fail during the first two years. The SBA also tells you that about 50% of businesses fail during the first year in business.This is a much better number than the 9 out of 10 failures that some claim.

88% of businesses never reach the 6-figure mark. 50% of businesses flop before their 5th year in business and 66% flop within 10 years. 76% of them never hire a team to assist which massive burn out is concluded, being a 1 man show in every capacity of the business. Most business owners jump in, never being taught what it actually takes to be a successful entrepreneur, the skills required to own and operate a business, or how to grow their businesses. Don’t become a statistic. You can rise above these numbers and set yourself up for success by having a successful and experienced coach in your corner.

Ready to take your business to the next level? Hire Exclusive Solutions CEO & Founder Tiffaney Williams to be your personal coach.

You can avoid these statistics and set yourself up for success by having a successful coach in your corner. Ready to take your business to the next level? Hire the best!






Achieve new levels of lending.


A primary tradeline is an account on a credit report that is designated only for the primary account holder. This includes all their lines of credit such as mortgages, credit cards, car loans, or anything else that is being borrowed under the primary account holder. They will be responsible for paying the balance on their accounts and it would be reflected on their credit score depending on how well they can manage their debt. These are used when users want to first establish a credit score and begin to build a payment history. Most of these primary tradeline are easy to open such as credit cards through banks.


Authorized User (AU) Tradelines also referred to as Piggybacking are revolving accounts which are added to primary tradelines. The purpose of this usually involves a user in need of a credit score boost to gain a loan that they didn’t qualify before such as a car loan or a mortgage. By getting added to a primary tradeline as an authorized user, their payment history is transferred over to you, resulting in an increase of credit score. The term “seasoned” or “aged” refers to the fact that the tradeline that these users are piggybacking on must have a past payment history that goes back to a minimum of two years. The higher the history or age of the tradeline, the more beneficial the tradeline can be to your credit file in means of credit score boost. The users that will become authorized users of the primary tradelines will not be responsible for any charges or balances on these credit lines. Users will also not have any access to utilizing the primary tradeline, the only benefit that would come from being an authorized user would be that they would be associated with the credit history of the primary user. With these new financial services, you will be able to get several years’ worth of good payment history in a matter of weeks, condensing the time and making it more efficient for clients who need good credit scores.


The main difference between Primary and Authorized User Tradelines would be who is responsible for paying the balance on the accounts they are assigned to. If you have a Primary Tradeline on your credit report, whether it be a car loan or mortgage, you are responsible for paying the balance. On the other hand, if you have an Authorized User Tradeline, as a user, the only thing you will inherit from that credit line would be the payment history, besides that you are not responsible for any payments. Another difference would be the purpose of each of the tradeline and how they affect someone’s credit score. If a user has no history of payments in their current credit report, it would be more beneficial to have a primary tradeline, this way the user can establish a history and continue to benefit as the user utilizes the tradelines and makes on-time payments. If the user has already established a payment history but needs a boost, instead of opening more primary tradelines which can negatively affect their score, it is recommended to purchase Authorized User Tradelines. This way the user will be able to inherit the credit score and boost their overall score.


It depends on the items of your credit report and the tradelines being chosen. Doesn’t matter what situation, the credit score will never go down after purchasing an authorized user tradeline. On the other hand, clients’ credit scores may change little or not at all; each client is unique, and the financial services firm must be able to formulate a plan that will best benefit your score. One definite scenario would be that if you have no previous credit score and decide to purchase an authorized user tradeline, your credit score will most likely be in the positive score zone.


Age, Limit and Balance. When searching for authorized user tradelines that will help boost your credit score you should be looking for a tradeline with a significant limit, a year’s worth of payment history, and a low balance.


It depends on what you need at the current moment. There are two scenarios you can find yourself in, either you have no existing payment history and no credit score, or you have several credit card accounts, but need a boost. If you have no previous credit score then it is preferred to get a primary tradeline, this way you can get an established score to work off. You can get these by opening credit cards at banks and just getting any credit card with your name on it. On the other hand, if you already have a history and would need a boost, it is better to get an authorized user tradeline to gain years of the payment history added to your report and help boost the score. This is usually better when you have already gained some primary tradelines such as young credit cards with low limits.


You cannot buy a Primary Tradeline, the only type of tradeline that is available for purchase would be Authorized User Tradelines. Although it is possible to transfer over a Primary Tradeline, it requires legal matter and is often much more expensive and, in some cases, illegal.
Why should you buy Authorized User Tradelines?

The only reason you should buy an authorized user tradeline is if you need it. Therefore, assessing your situation is important to see if you need a credit boost or not. For clients who have no trouble paying their bills and debts on time, then most likely there will be no benefit to buy a tradeline because it would not boost your credit score. Buying an authorized user tradeline would be for someone who has low credit score and needs a boost. Having a low credit score can result from having too many primary tradelines or having trouble paying on time. It is important to see if you would benefit from buying an authorized user tradeline as it isn’t always beneficial.



Important Information & Instructions on How To Get Started

Our policies and procedures adhere strictly to new legislation set forth by the Federal Trade Commission and the Fair Credit Reporting Act. We specialize in handling inaccurate accusations, errors and omissions, obsolete and erroneous items in regards to your credit report.

Contrary to popular belief every credit report has some errors and omissions, these errors are being illegally reported. Tiffaney Williams, our founder and CEO, has studied consumer law, the Fair Credit Reporting and the Debt Practice Acts. She has over 10 years of consulting experience with an 85% success rate.

The fee for our consultation and full credit analysis is $ 110. Our expedited credit restore program is $1,500 to $2,500. The turn around time is 7-120 business days. Our Platinum program can range from 12-24 months or 24-36 months at $199 down and $125 per month for 12 months. Please note: PayPal adds a 3% processing fee to all transactions at the time of purchase.

In the event you don’t have any positives on all 3 credit reports, instructions and additional costs will vary. You will need three primary accounts and three authorized users. More information will be provided upon the start of your program.

Information we will need:

Login to www.equifax.com and purchase the Complete Premiere PackageThen, email your login information to us for a full credit analysis.

Payment for the credit assessment is accepted securely through https://exsol.as.me/ Please choose the personal credit processing/audit fee option or purchase it here on the site.

Please scan and send in color your:
• Valid Drivers license or state issued ID
• Social Security Card
• Utility bill

Make sure you schedule your brief strategy session for 72 hours after you’ve made your payment (Monday through Thursday only). The assessment can take up to 3 business days to complete so the call won’t be necessary until then. During the call you will go over details and plan of action.


Exclusive Solutions
530 3rd Ave. S. Suite #8
Nashville, TN 37210


How To Reach Us

Office: (678) 341-1208
Toll free: 1 (888) 284-7962

For more information:

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