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Boost Line

A furnished credit-builder account reported to Equifax, Experian, and TransUnion — up to $10,000. Not an authorized-user piggyback. Included in the $39.99 plan after enrollment checks.

Start membership
Boost Line credit-builder card reporting monthly to EQ, EX, and TU while God Mode monitors the account
Illustrative

Illustrative. Approved limit up to $10,000, subject to approval — never guaranteed. Reported monthly once enrolled; pending until the first bureau posts.

How it builds

A real tradeline that's actually yours

Furnished, not piggybacked

A credit-builder tradeline reported monthly to all 3 bureaus. Not a purchased authorized-user slot.

Up to $10,000

Marketed ceiling. You see the approved limit before you expect $10,000. Not instant. Not guaranteed.

Pay as agreed

Small autopay. Missed payments hurt — God Mode says that before you turn it on.

Utilization guidance

Under 10% if revolving. Never 'max the line.' Installment variants: pay as agreed.

Boost Line · reporting

Illustrative
Approved limitUp to $10,000 · subject to approval

The approved limit ships and is disclosed upfront. Not instant. Not guaranteed.

Equifax

Monthly

Experian

Monthly

TransUnion

Monthly

Shows pending until the first bureau posts it.

Read first

Details that matter before you enroll

How reporting works
Boost Line reports on a Metro 2 schedule through our data-furnishing partners. Pending until the first bureau posts it — patience is part of the product.
Who it is for
Thin-file members and rebuilders who need a positive tradeline that is actually theirs — not someone else's AU slot that bureaus may suppress.
Who it is not for
Anyone expecting a guaranteed $10,000 limit on day one, or a loophole around accurate negative history. The line does not erase charge-offs.

Enrollment runs through our data-furnishing partners after identity checks. The approved limit ships — marketed as up to $10,000, never guaranteed. Pending until the first bureau posts it. Missed payments hurt; God Mode says so before you turn it on.

Boost Line does not erase accurate negatives. It is a build product inside a manager that also disputes what is actually wrong. Disclosures.

Questions about this feature

Does Boost Line report to all three bureaus?

Yes. Boost Line is a credit-builder account reported monthly to Equifax, Experian, and TransUnion. Your approved limit is up to $10,000, subject to approval.

How is Boost Line different from being an authorized user?

Boost Line is an account in your own name that you manage and pay. An authorized user is added to someone else's card, so their habits affect you. See the authorized user guide.

What happens if I miss a Boost Line payment?

Missed payments can be reported and can hurt your credit, the same as any account. Setting up the small autopay helps you stay on time.

When will Boost Line show up on my reports?

It shows as pending until the first bureau posts it. Timing depends on each bureau's reporting cycle.

Learn more

How to build credit from scratchComplete guideCredit-builder loans and lines, explainedGuideSecured credit cards: how they build creditGuideBecoming an authorized user: how it works and the risksGuide

More in Learn, the glossary, and the FAQ.

Build while you fix.

Boost Line is included in $39.99/month. Approved limit up to $10,000, subject to approval. Not a guarantee. Results vary.

Start · $39.99/mo

30-Day Money-Back Guarantee

Try CreditGod risk-free for 30 days.

If you're not satisfied for any reason, cancel within 30 days of your first payment and we'll refund your subscription fee in full. No questions asked.

A refund of fees, not a guarantee of any credit result. Results vary; no specific outcome is guaranteed. Separate from your 3-business-day right to cancel. Refund policy