Improve My Credit Fitness
Improve My Credit Fitness is a tradeline supplier based in Hallandale Beach, Florida, that says its focus is on helping people improve their lives by boosting their credit scores.
FAST FACTS
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Improve My Credit Fitness is a tradeline supplier based in Hallandale Beach, Florida, that says its focus is on helping people improve their lives by boosting their credit scores
Improve My Credit Fitness appears to be a small, mostly online operation. The website does not list any employees, and the only employee listed by the company’s incorporation documents also appears to answer the phones. That said, she was very nice and helpful in explaining the different products offered by Improve My Credit Fitness when I called.
Like most other tradeline suppliers, Improve My Credit Fitness is not a credit repair operation. When asked if they also do credit repair services, the representative said they do not, though they could refer me to a specialist who does offer that service.
The Improve My Credit Fitness website does not have anything in the way of educational materials. They do have a blog, but there are less than ten entries. What informational material they do have is mostly marketing material, and much of it is poorly written and not informative.
Their supply of tradelines is similarly limited. They have 134 lines available at the time of this writing, which is half of the average number of tradelines in our survey. Half of their tradelines are under $10,000. Adding tradelines with a smaller debt-to-credit ratio is less helpful to boost a low credit score.
Improve My Credit Fitness Strengths
Being a small shop has its advantages. You can expect a certain amount of in-person attention — during business hours only — and they probably know their inventory as well as any tradeline supply company.
For people who know what they are looking for and who are online comparison shoppers, Improve my Credit Fitness is another resource to find a decent deal on a credit line.
Improve My Credit Fitness Areas for Improvement
These days, people expect a first-tier financial services company to have superior technology. That means a website with lots of easy-to-find information, 24-hour customer support and insights on their product that show they are experts in the field.
Improve My Credit Fitness doesn’t have this. They are clearly a small operation with limited technical and human resources. What’s more, their name is misleading. They are not in the business of improving anyone’s credit fitness. They sell tradelines online, other than the obligatory refund if a tradeline doesn’t appear on your credit report, they offer no guarantees that their service will work.
Is Improve My Credit Fitness Right for You?
If you are already well-acquainted with how tradelines work, and you are shopping around online for a good deal, stop by Improve My Credit Fitness and check out their inventory. Ignore the hacked together website and disregard the poorly written blog posts (all seven of them).
If you are in need of help, however, and you really need solid advice on how to repair your credit, look elsewhere. Actual credit repair is work you have to do, and there is no silver bullet or quick way to make it happen. Make regular, small payments throughout the month on your credit cards. This will not only boost your credit score, but it will also keep you aware of how much money you owe on a regular basis.
The four or five hundred dollars you spend for two months of a short-term, probably small credit score boost won’t help you as much as paying off all your debts and possibly investing that money someplace it will earn you money, like a high-interest savings account.
Pros
- Prices are reasonable
- Friendly, in-person customer service
Cons
- Very little information on the website
- Tradelines supplied on lower end of quality scale
- No 24-hour or weekend support
Improve My Credit Fitness is a small, mostly online operation that works as a self-serve option for people who already understand tradelines. Its prices are fair, though they don’t have a large selection.
Prices range from less than $200 for 60 days or two credit reporting cycles to $2,000. Most of the inventory is for tradelines less than $10,000.
Total inventory is low compared with other tradeline suppliers, and the bulk of inventory is for tradelines less than $10,000. Better tradelines are available, but they are much more expensive.
If you want to contact Improve My Credit Fitness on the weekends or after 8 p.m. on weekdays, you’re out of luck. The manager of the company took our call, and she was very pleasant on the phone, but it’s not clear how pleasant customer service would be in an emergency.
The name Improve My Credit Fitness is not correct. The company says explicitly that it is not a credit repair company — they only sell tradelines. The low quality of the information provided on the website and the rudimentary customer service options do not inspire a great deal of trust.