Personal Credit Builder
Plans and Pricing
Choose Your Personal Credit Membership
Build your personal credit with our comprehensive tradeline packages. All plans include reporting to major credit bureaus.
Basic
HL Hunt Tradeline
$1,000
Pro
HL Hunt Tradeline
$2,500
MidLevel
HL Hunt Tradeline
$4,500
Pro+
HL Hunt Tradeline
$6,500
Platinum
HL Hunt Tradeline
$10,000
Build Personal Credit in 4 Simple Steps
Our streamlined process makes building personal credit straightforward and effective. No hidden fees, no complicated requirements – just results.
Account Setup
HL Hunt opens a dedicated personal credit account for you with a predetermined credit limit tailored to your financial profile.
Quick approval process with competitive credit limits
Marketplace Access
Use your credit exclusively on our curated marketplace featuring essential services, products, and personal financial tools.
Thousands of personal finance tools and services available
Monthly Reporting
Every month, your payment history is automatically reported to all three major personal credit bureaus.
Consistent reporting builds your credit profile
Credit Growth
Watch your personal credit score improve with our trade reference letters and consistent bureau reporting.
Establish strong personal credit foundation
Reported to All Major Personal Credit Bureaus
Your payment history is automatically reported monthly to ensure comprehensive credit building
Equifax
Experian
TransUnion
Why Choose HL Hunt Personal Credit?
Controlled Spending
Credit can only be used on our vetted marketplace, ensuring responsible personal spending habits
Automatic Reporting
Monthly payment history automatically reported to all three major personal credit bureaus
Trade Reference Letters
Receive official trade reference documentation to strengthen your personal credit profile
Personal Finance Marketplace
Access thousands of essential personal finance tools, services, and products
Build Credit While You Shop
Every purchase on our marketplace contributes to building your personal credit score, creating a positive cycle of financial growth and credibility.
Average Combined Credit Score Improvement
+142 Points
in the first 12 months
How Our Tradelines Transform Your Financial Future
Our established tradelines provide immediate credibility and long-term credit building advantages that traditional methods can't match.
What Are Personal Tradelines?
Tradelines are credit accounts that appear on your personal credit report, showing your payment history, credit limits, and account age. They're the foundation of your personal credit profile and FICO score.
Shows consistent, on-time payments (35% of FICO score)
Demonstrates responsible credit usage (30% of FICO score)
Establishes credit history length (15% of FICO score)
Higher limit accounts help you qualify for higher limits on future credit
Instant Credit Boost
Our established tradelines immediately improve your credit profile, often resulting in score increases within 90+ days as bureaus verify account legitimacy and history
- Immediate credit history establishment
- Faster qualification for loans and credit cards
- Higher credit limits from lenders
Enhanced Financial Opportunities
Established tradelines signal to lenders that you're financially responsible and creditworthy, opening doors to better rates and premium financial products.
- Lower interest rates on mortgages
- Premium credit card approvals
- Better auto loan terms
Credit Mix Optimization
Our tradelines help diversify your credit portfolio, showing lenders you can manage different types of credit responsibly, which improves your overall credit profile.
- Improved credit mix (10% of FICO score)
- Balanced credit portfolio
- Reduced credit utilization ratio
Comprehensive Reporting
Unlike many tradeline services, we report to all three major personal credit bureaus, ensuring maximum impact and comprehensive credit profile development across all scoring models.
- Reports to all 3 major bureaus
- Monthly automated reporting
- FICO and VantageScore optimization
Real Results from Our Personal Tradelines
See how our tradelines have transformed personal finances across the country
of clients see credit score improvement within 90+ days
average additional credit access gained
average time to first credit score increase
client satisfaction rate
Ready to Transform Your Personal Credit?
Join thousands of individuals who have accelerated their credit building with our proven personal tradeline system.
The 12-Month Advantage
Your Credit Success Depends On It
Credit building isn't a sprint—it's a marathon. Here's why staying the full 12 months is crucial for maximum results and long-term financial success.
Critical Warning: Early Cancellation Risks
Canceling before 12 months can actually waste your investment. Here's what happens when you quit too early:
- Account closure reduces your available credit, increasing utilization ratio
- Loss of positive payment history before it fully impacts your score
- Shortened credit age, which negatively affects your credit profile
- Wasted investment with minimal to no credit improvement
Your Credit Building Journey: Month by Month
Foundation Building
Account appears on credit report, initial setup complete
Minimal score impact
Early Recognition
Credit bureaus begin recognizing payment patterns
20-40 point increase
Momentum Building
Consistent payment history establishes credibility
60-80 point increase
Maximum Impact
Full credit history established, maximum score benefits
100-150+ point increase
Short-Term vs Long-Term Results: The Dramatic Difference
3-6 Months
12+ Months
Why 12 Months is the Credit Building Sweet Spot
Credit Bureau Recognition
Credit bureaus need to see 12+ months of consistent payment history to fully recognize and weight your tradeline in their scoring algorithms.
Maximum Score Impact
The most significant credit score improvements happen between months 9-12, when your payment history reaches full maturity.
Lender Confidence
Lenders prefer to see at least 12 months of payment history before offering their best rates and terms.
Account Age Benefits
Older accounts carry more weight in credit scoring. 12+ months establishes your account as a mature, valuable tradeline.
Utilization Optimization
12 months allows your credit utilization ratio to stabilize and optimize, providing maximum benefit to your credit score.
Long-Term Value
The credit improvements from a 12-month commitment continue to benefit you for years, making it the best ROI decision.
Real Results: 12-Month Success Stories
See the dramatic difference 12 months makes
Personal Credit Client
"I almost quit at 6 months, but staying the full year changed my life. Now I qualify for premium credit cards!"
Personal Credit Client
"The real magic happened after month 9."
Personal Credit Client
"12 months seemed long, but it was worth every day. I saved $40K on my mortgage refinance!"
Commit to Your Financial Future
Stay the Full 12 Months
Your credit score is one of the most important numbers in your financial life. Don't shortchange your future by quitting early. Commit to the full 12 months and unlock your maximum credit potential.
Are you an enterprise and need a custom plan?
Feel free to reach out to us for enterprise plans. We offer discounts for enterprise plans for accounts with over 100 users.
HL Hunt Personal Membership FAQ
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What is HL Hunt’s Personal Credit Builder?
HL Hunt’s Personal Credit Builder is a program designed to help individuals improve their credit scores by providing structured guidance, credit-building strategies, and financial tools.
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How does the Personal Credit Builder work?
The program helps you build credit by offering credit education, account management strategies, and access to credit-building resources like secured cards, tradelines, and dispute services.
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Who is this program for?
It is for anyone looking to build or repair their credit, whether you have no credit history, poor credit, or just want to improve your score for better financial opportunities.
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How long does it take to see credit score improvements?
Results vary, but most clients start seeing improvements within 30 to 90 days, depending on their credit history and adherence to the program’s strategies.
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Will this program guarantee a higher credit score?
While no credit repair service can guarantee specific score increases, following our proven methods has helped many clients significantly boost their scores.
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What credit bureaus does HL Hunt work with?
We work with all three major credit bureaus: Experian, Equifax, and TransUnion.
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Does HL Hunt dispute negative items on my credit report?
Yes, we assist with disputing inaccurate, outdated, or unverifiable negative items on your credit report in compliance with the Fair Credit Reporting Act (FCRA).
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Can this program help remove collections or late payments?
If the collections or late payments are inaccurate, unverifiable, or outdated, we can work on disputing them. However, valid negative marks require other credit-building strategies.
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Do you offer tradelines to boost credit?
Yes, we offer authorized user tradelines that can help add positive payment history to your credit report. Our HL Hunt packages are primary lines.
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How much does the HL Hunt Personal Credit Builder cost?
Memberships start at $9.99/mo.
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Do I need a certain credit score to join?
No, we help individuals at all credit levels, from no credit history to severely damaged credit.
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Can this program help me get approved for a mortgage or car loan?
Yes, improving your credit score can increase your chances of qualifying for better loan terms and approvals.
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Will participating in this program lower my credit score?
No, our program is designed to build your credit, not harm it. We provide strategies that enhance your score over time.
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Does HL Hunt provide credit monitoring?
Yes, we offer credit monitoring services to help you track your progress and detect any issues on your credit report.
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Is this program legal?
Absolutely. We operate within all legal guidelines and consumer protection laws, including the Credit Repair Organizations Act (CROA).
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Can I cancel the program at any time?
Yes, you can cancel at any time, though we recommend following through for the best results.