My FICO Boost, LLC.

Is here to help clients improve their FICO scores, protect them from Identity Theft, and Add positive lines of credit that report to ALL 3 Bureaus in 60 days or less.


My FICO Boost, Inc. is a Credit Coaching Firm.

We will help you improve their credit reports and scores

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T: 1.888.229.0816

Frequently Ask Questions

Far to often we neglect to realize how important our FICO Credit Scores are and how they play and important role in our everyday lives when it comes down to financing. Our FICO Credit Scores play a bigger role than just getting financed for a home loan, mortgage refinance, business loan, auto loans, student loans, lower interest rates, lines of credit, and credit lines. What about all of the other things that we need to improve our FICO Credit Scores for below is a list of questions ask yourself does this apply to me, if so then you have a reason to why you need to rebuild or build your FICO Credit Scores. We have helped others just like you for these very reasons and when we help you reach your credit goals you too will be another one of our satisfied clients.


How can help me?

We are here to help you with understanding your credit file how to improve and how to maintain it. Our My FICO Boost Pay-Per-Delete 90 Day Legal Action Credit Repair is credit restoration based on the laws of the FCRA and FDCPA. Litigation or commonly known as filing a federal lawsuit may be necessary to ensure some clients consumer rights are protected and enforced to the fullest extent of the law. The estimated length of time for completion of all services will ONLY be 90 Days at most, unless you need to file a federal complaint in your local U.S. District Court to obtain relief through litigation. We have a 99% Success Rate in Permanently Removing and Deleting charge offs, repossessions, collections, judgments, bankruptcies, foreclosures, and inquiries that are six (6) months or older.

A BIG part of what we do at My FICO Boost, Inc. is provide financial education by going over your credit report line by line to explain how we will help you improve your FICO scores. We will show you what your FICO score is, what makes up your FICO scores, why your FICO score is where it is, and how to improve your FICO score. Our job is to help you understand how a FICO score is built and what factors drives your scores up and what factors drives your FICO scores down. The more a person understands about their personal credit file the more they will be able to and exceed their credit goals.

What is FICO?

FICO is an acronym for Fair Isaac Corporation FICO is a publicly-traded corporation (under the ticker symbol FICO) the best-known and most widely used CREDIT SCORE model in the United States. FICO was founded in 1956 as Fair Isaac by engineer Bill Fair and mathematician Earl Isaac. The FICO scores today are present throughout all the major consumer reporting agencies in the United States and Canada: Equifax; Experian; Trans Union; Innovis; and PRBC are credit bureaus that also refer to the FICO SCORE as a CREDIT SCORE.

What is a FICO Score?

A credit scoring model developed by analyzing statistics and picking out characteristics that are believed to relate to creditworthiness. The FICO score has become the most widely used credit score by lenders. The FICO score, provided by Fair Isaac & Co. is a score that can range from 300 to 850. The FICO score model takes into account five factors when evaluating your credit worthiness.

What is a Credit Score?

Your CREDIT SCORE  is a three-digit number generated by a mathematical algorithm based on information in your credit report, compared to information on tens of millions of other people. The resulting number is a statistical prediction of how likely you are to pay your bills. Your credit score will determine if you are granted credit and the interest rate on that credit. The higher the credit score the lower the interest rates and that will save you thousands of dollars in interest over the years.

How do I Check my FICO Credit Scores?

You can access credit scores from all three national bureaus on any one of these sites,,,, They will give you a credit score analysis, you’ll also get an explanation of how your score is likely to affect your credit, information about what is helping and hurting your score and a snapshot of your credit history. The three major credit reporting agencies (Equifax, Experian and Trans Union) will all reflect your credit score on these sites.

Why do lenders use FICO Scores?

Before credit scores, lenders physically looked over each applicant’s credit report to determine whether or not to grant credit. Not only was this time consuming, but human judgment was prone to mistakes and bias.The higher your credit score, the easier it will be for you to receive an automated loan approval.Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, employers, landlords, and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques.

What if I only need credit building services?

We offer a FICO BOOSTER Membership for only $300.00 this membership will enable you to participate in our Unsecured Primary Accounts and our Authorized User Accounts to build your FICO (credit) Scores. Our members regularly enjoy mid 700 FICO (credit) Scores we also provide funding ask our about our No Money Upfront Trade Line Packages as well.

What are FICO Scores used for?

Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system.

How are FICO Scores calculated?

FICO Scores are calculated from a lot of different credit data in your credit report. Using mathematical models, the FICO score takes into account various factors in each of these five areas to determine credit risk: payment history, current level of indebtedness, types of credit used and length of credit history, and new credit.

What is a good FICO Score to lenders?

A person’s FICO score will range between 300 and 850. In general, a FICO score above 750 indicates to lenders that the individual has a very good credit history. If you have good credit lenders will give you lower interest rates on loans and revolving credit lines saving your tens of thousands of dollars over a lifetime.

What is a bad FICO Score to lenders?

People with scores below 700 will often find it substantially more difficult to obtain financing at a favorable rate. Lenders see you as high risk if your scores are below 700 which means they may grant you credit but at very high interest rates to offset the your high risk. This will cost you tens of thousands of dollars more in interest payments over the course of a lifetime if you do not increase your FICO scores.

How do the lenders breakdown my FICO Score?

This is a very good question and the best way for us to answer the question is by providing you with a detailed page explaining just that. click here

What are unsecured Primary Trade Accounts?

Unsecured Primary Trade Accounts are accounts in which you are listed as the borrower and not the authorized user. These accounts are very instrumental in the credit rebuilding or building phase. These accounts Do Not report like a SECURED account meaning there is no sort of collateral securing or backing the account. These accounts tell lenders that you are a responsible person and other lenders have entrusted you with financing before. These accounts report to ALL 3 national Credit Bureaus and are very key in boosting your FICO Scores.

What are Authorized User Accounts?

Authorized User Accounts are accounts in which you are not the primary borrower on the account. These accounts are used in our building and rebuilding phase as they play an instrumental role in increasing your FICO Scores. An authorized user is not responsible for the account but still receives all of the positive credit history on the account built by the primary borrower. These accounts will report to at least 2 of the 3 national credit bureaus ensuring that you get the maximum scoring benefits.

I don’t have the full amount is there a payment plan?

Yes, we do offer a payment plan in which is ONLY $150.00 DOWN payment to enter into the payment plan and then 3 bi-weekly payments of $150.00 to reach the original price of $600.00 all special pricing is exempt from payment plans. After the $150.00 DOWN you will be issued a member i.d. number however we will not be able to release any items past line 4 on program inclusives page. You will continue to make payments bi-weekly until the balance is paid in full. We can discuss in greater detail the extent of our payment plan when you call in.

Other reasons for signing up with our services are listed below:

You child is a senior in high school and having mid 700 credit scores will help get student loans approved for college.

You have found Mr. or Mrs. right and you want to get married rebuilding your FICO (credit) scores will enable you purchase a home at prime interest rates.

Your having a baby and the apartment your living in just isn’t gonna work out so you need a bigger place time to buy a bigger place.

You have had low FICO scores for years and have paid high interest rates but would like to cut back your monthly expenses so you Boost your FICO Scores to save money on interest rates.

You know your child will need braces and but you don’t have the money to afford them so you decided to increase your FICO scores so that you can get approved for financing.

Your grandchild wants a new pet from petco and since they finance you decide to boost your FICO scores to get approved for financing.

You want to start your own business because the economy is so bad but you need financing to get off the ground Boosting your FICO Scores will make your business goals come to life.

You are new to credit or have never built your credit before now you want to get approved for financing and decided to build your FICO Scores so you can.