A membership-based revolving credit account opened in your name. Every month you make your on-time payment, we report a primary tradeline to Experian, Equifax, and TransUnion — building real, scoreable credit history under your file.

It pairs with credit education, dispute services, and monitoring so the score work happens on multiple fronts at once.

Three things move your score in parallel:

1. A new positive tradeline reports to all three bureaus monthly under your name. 2. Credit monitoring tracks your score across all three bureaus so you can see progress in real time. 3. Dispute support helps challenge inaccurate, outdated, or unverifiable negative items under the FCRA.

Most members see their first score movement within 30–90 days of enrollment.

Anyone who wants to build, rebuild, or strengthen their credit — whether you have no credit history, a thin file, damaged credit from past mistakes, or a decent score you're trying to push into the 750+ range for a mortgage or refinance.

There's no minimum credit score to qualify. We work with people at every starting point.

Memberships start at $9.99/mo for a $1,000 tradeline and scale up to $99.99/mo for a $10,000 tradeline. Higher tiers report larger credit limits, which carry more weight with bureaus and lower your utilization ratio more aggressively.

No setup fees, no application fees, no penalty to cancel. Most members stay 12 months — that's when the score gains fully mature.

The tradeline reports the month after signup. Most members see initial movement within 30–90 days, larger gains by month 6, and the maximum impact between months 9 and 12.

How much you'll move depends on your starting point — thin-file members typically see bigger jumps than already-strong files, but everyone benefits from the on-time payment history compounding over a year.

All three major personal credit bureaus: Experian, Equifax, and TransUnion. Every month, on time, in Metro 2 format — the same data format banks and major creditors use.

Reporting to all three matters because different lenders pull from different bureaus, and some scoring models weight one bureau heavier than another.

HL Hunt memberships are primary tradelines — the account is opened in your name, the balance is yours, the payment history is yours. That's significantly more valuable than authorized-user (AU) tradelines, which can be removed or devalued by FICO scoring at any time.

We also offer authorized-user tradelines separately for members who want to layer additional positive history on top, but the membership product itself is always primary.

Yes — every tier includes credit monitoring across all three bureaus. You'll see your FICO and VantageScore move month over month, and catch any reporting errors before they hurt your file.

Yes. We assist with disputing inaccurate, outdated, or unverifiable negative items on your credit report — fully within the Fair Credit Reporting Act (FCRA). That includes incorrect personal information, accounts that aren't yours, balance or status errors, items past the 7-year reporting window, and items the furnisher can't verify.

What we won't do is pretend valid debts don't exist. If an item is accurate and verifiable, no dispute will permanently remove it — the strategy there is positive new history outweighing the negative over time.

If they're inaccurate, unverifiable, or outdated, we can dispute them — and removal is common. Many collections accounts can't actually be verified to the level required by the FCRA when challenged properly, and time-barred items (typically past 7 years) must be removed by law.

For accurate, verifiable late payments and collections, we focus on offsetting them with positive new tradeline history — which is often the faster path to a better score anyway.

No. There's no hard inquiry to enroll, and the new tradeline adds to your credit profile rather than subtracting from it. The first month or two might show small fluctuation as the account ages into your average — that's normal and resolves quickly.

The program is built to improve your file, not damage it.

Yes — fully. HL Hunt operates within the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and all applicable state consumer protection laws. We don't promise illegal removals, we don't manufacture fake identities, and we don't use any of the shortcuts that get other "credit repair" outfits in regulatory trouble.

The membership tradeline is a real credit account. Disputes go through the legal process established by federal law.

No legitimate credit company can — and we'll never claim otherwise. Anyone guaranteeing a specific score increase is either lying or operating illegally under CROA.

What we can tell you: members who stay the full 12 months average +142 points across the three bureaus. Your specific result depends on your starting point, the rest of your credit profile, and your on-time payment consistency.

Yes — but expect a timeline, not a magic switch. A higher score from a stronger file unlocks lower mortgage rates, better auto loan terms, premium credit card approvals, and lower insurance premiums in many states.

The members who refinance or buy at year-end after joining typically save five or six figures over the life of the loan compared to where they would have qualified the year before. The math compounds fast.

Yes — there are no lock-ins, no cancellation fees, no contracts. That said, cancelling before 12 months can actually undo some of the credit gains in progress (account closure raises utilization, and you lose the on-time history that hadn't fully matured yet).

For most members, staying the full 12 months is where the score gains stack and the doors actually start opening.

Pick a membership tier, sign up in under five minutes, and your tradeline starts reporting the month after enrollment. No paperwork, no hard inquiry, no waiting on underwriting.

If you're not sure which tier fits, the MidLevel tier ($4,500 tradeline at $49.99/mo) is the most common starting point — it carries enough credit limit to meaningfully move utilization on most files without overcommitting on the membership.