Late Payments
Payments reported late that were paid on time, reported with the wrong dates, or still showing after they should have aged off your report.
Your credit report should work for you — not against you.
Source Credit Builders of America reviews all three of your credit reports line by line, challenges inaccurate and unverifiable negative items with Equifax, Experian, and TransUnion, and keeps you informed with a written progress letter at every step — so you always know exactly where your credit stands.
- Free, no-obligation consultation and full 3-bureau report review
- Disputes prepared for all three bureaus — complete with your documents
- A written progress update at every stage — no guessing, no anxiety
Real people, working with you face to face
Credit can feel personal — so we keep the help personal too. You'll sit down with a Credit Specialist who listens first, reviews your reports with you line by line, and explains everything in plain language. No scripts, no pressure, and no judgment about where you're starting from.
A consultation that starts with listening
Your specialist asks the right questions, hears your goals first — a home, a car, a fresh start — and then looks at what your reports actually say.
Your reports, reviewed together
We go through Equifax, Experian, and TransUnion with you, highlighting every negative item and explaining what can be challenged — and what can't.
A plan you both understand
Whether you're working on your credit on your own or together as a couple, you'll leave knowing the plan, the timeline, and exactly what happens next.
What we challenge on your behalf
Under federal law, everything on your credit report must be accurate, complete, and verifiable. When an item can't meet that standard, we challenge it with the bureaus and the companies reporting it. These are the items we review and dispute every day:
Collections
Collection accounts with wrong balances, duplicates of the same debt, accounts that aren't yours, or debts past the legal reporting period.
Charge-Offs
Charged-off accounts that keep reporting incorrectly — including balances still updating after the account was settled or paid.
Repossessions & Foreclosures
Major derogatory items where the reported dates, balances, or deficiency amounts don't match the records — details that change what the law allows.
Hard Inquiries
Credit inquiries you never authorized. Every application leaves a mark, and unauthorized inquiries can be challenged and removed.
Identity Theft & Errors
Accounts you never opened, someone else's information merged into your file, wrong balances, wrong limits, and outdated personal information.
Student Loans & Medical Bills
Duplicate loan tradelines after transfers or consolidation, and medical collections reported with errors or before insurance finished processing.
Bankruptcies & Public Records
Discharged debts that still show balances owed, bankruptcies reporting past the legal time limits, and records tied to the wrong person.
Not Sure What's Hurting You?
That's what the free consultation is for. We pull apart all three reports with you and explain every item in plain language before you decide anything.
How the process works
Five clear steps — and a written update from us at every one of them. Strong communication is what separates us from every other credit repair company.
1
Free consultation
Book a consultation below and it goes straight into our master calendar. The Management Team reviews every booking on the master calendar and chooses the Credit Specialist who will fulfill your consultation — by phone, video, or in our office. We'll ask the right questions, listen first, and explain exactly what we can and cannot do. No pressure and no obligation.
2
Full 3-bureau report review
You provide your credit reports from Equifax, Experian, and TransUnion. We go through them line by line and identify every negative item that may be inaccurate, incomplete, outdated, or unverifiable — and explain each one to you before anything is disputed.
3
Enrollment & your secure client file
When you're ready, you review and sign your Credit Repair Agreement and provide your documents: driver's license (front and back), Social Security card, proof of address, and your credit report. Everything is kept together in your own client file, and you can follow your progress at every stage.
4
Disputes go to all three bureaus
We prepare challenge letters for every disputed item and send each bureau a complete package — your letters together with your identification and supporting documents — so nothing is delayed for missing paperwork. You receive a letter from us confirming your disputes are in progress, listing every item being challenged at each bureau.
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Results, updates & building forward
The bureaus generally have 30 days to investigate. As results come back, we send you a progress letter explaining what was removed, what was verified, and what happens next — then we keep challenging and coach you on the habits and accounts that build your score from here.
AU Tradeline Program
An authorized user (AU) tradeline allows the history of an established, well-managed credit card account to be added to your credit report. When the account reports to the credit bureaus with a strong payment history, a high credit limit, and low utilization, that positive history can support your credit profile while you continue to build credit in your own name.
Please read this first: you will never receive the card.
You will not receive a physical card, a card number, online account access, or the ability to make purchases or payments on the account. You receive one benefit only: the account's reported history is added to your credit profile as an authorized user. The primary account holder remains solely responsible for the account at all times.
1
Choose a tradeline
Review the express sheet below and select the tradeline that best fits your goals and budget.
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Provide your information
Enter the authorized user's information exactly as it should be reported, so we know precisely who the tradeline is going to.
3
Review your invoice & pay securely
An invoice is generated automatically. Payment is completed through our merchant account — never enter a full card number on this page.
4
We process & it reports
You will receive an email confirming that your tradeline is being processed. Most tradelines report within one to two billing cycles after you are added.
Where your order goes: the master interfaceEvery tradeline order placed on this website — your information, your selected tradeline, your uploaded documents, and your invoice — is received on the master interface of our Credit Repair portal, in the Management Team's AU Tradeline Processing Center. That is where your order is retrieved, verified, and processed properly. Nothing is posted publicly, and your documents are used only to process your tradeline.
Select a column heading to sort the sheet. Availability is limited and changes as spots are filled.
| Reports to | Choose | ||||||
|---|---|---|---|---|---|---|---|
| Capital One — Quicksilver Opened 2018 · Perfect payment history |
$10,000 | 8 years | Under 5% | Equifax, Experian, TransUnion | $399 | 2 | |
| Chase — Sapphire Preferred Opened 2016 · Perfect payment history |
$15,000 | 10 years | Under 8% | Equifax, Experian, TransUnion | $549 | 3 | |
| Discover — it® Cash Back Opened 2019 · Perfect payment history |
$8,500 | 7 years | Under 6% | Equifax, Experian, TransUnion | $349 | 4 | |
| Citi — Double Cash Opened 2015 · Perfect payment history |
$12,000 | 11 years | Under 7% | Equifax, Experian, TransUnion | $499 | 2 | |
| Bank of America — Cash Rewards Opened 2013 · Perfect payment history |
$20,000 | 13 years | Under 9% | Equifax, Experian, TransUnion | $649 | 1 | |
| American Express — Blue Cash Everyday Opened 2017 · Perfect payment history |
$18,000 | 9 years | Under 6% | Equifax, Experian, TransUnion | $599 | 3 |
Tradeline availability, reporting dates, and the reporting period are confirmed in writing on your invoice before payment is finalized. An authorized user tradeline is a credit-building tool — it is not a guarantee that your credit score will increase by any specific amount, or at all. Results depend on your full credit profile.
Complete your tradeline order
Enter the information for the person the tradeline is going to — the authorized user — and upload that person's documents. Please enter the legal name and date of birth exactly as they appear on government-issued identification, because that is how the account will be reported. When you submit, your complete order is sent for retrieval on the master interface of our Credit Repair portal, where the Management Team processes it.
Your tradeline is being processed
Your order has been prepared. Send it to our team with the button below — you will be copied on the email for your records, and please attach the three documents you selected above to that email before you send it, so your file is complete. Your order is retrieved on the master interface of our Credit Repair portal — the Master Dashboard's AU Tradeline Processing Center — where the Management Team will review your information and documents, confirm your spot, and send your secure merchant payment link. The processing email and your automatically generated invoice are shown below.
- Order reference
- Tradeline
- Authorized user
- Documents
- Retrieved in
- Credit Repair Portal — Master Interface / Master Dashboard, AU Tradeline Processing Center
- Status
- Being processed — payment pending through our merchant account
Invoice — automatically generated
- Invoice number
- Invoice date
- Billed to
- Description
- Amount due
- Payment method
Your processing email
Dear ,
Thank you for choosing the AU Tradeline Program at Source Credit Builders of America, powered by Tax Source Group. Your tradeline is being processed.
Tradeline reserved: . Invoice for is attached to your order, and your secure payment link through our merchant account will follow from our team. Your order and documents — driver's license, Social Security card, and proof of address — have been received for review on the master interface of our Credit Repair portal. Once your documents are verified and payment is confirmed, we will add the authorized user exactly as you provided and confirm the expected reporting date in writing.
As a reminder: the authorized user will never receive a card, a card number, or account access, and will not be able to make purchases. The benefit of this program is that the account's positive history — its age, credit limit, and payment history — is reported to the authorized user's credit profile, which can help support a stronger score while they build credit in their own name.
If any information on your order needs to be corrected, reply to your confirmation email or call us toll-free at (844) 272-2344 as soon as possible, before the tradeline reports.
AU Tradelines — questions & answers
Please read these answers carefully before you order, so you understand exactly how authorized user tradelines work, what they can do, and what they cannot do.
What is an authorized user tradeline?
A tradeline is the record of a credit account that appears on a credit report. When you are added as an authorized user on an established credit card account, the card issuer reports that account — including its age, credit limit, balance, and payment history — on your credit report as well. Our program matches you with an established, well-managed account for that purpose.
Will I receive a credit card?
No. You will never receive the card, and this point is absolute. You will not receive a physical card, a card number, online access, statements, or the ability to make a purchase, a payment, or any other change to the account. The primary account holder keeps complete control of the account. Your benefit is limited to the account's history being reported to your credit profile.
How can an authorized user tradeline help my credit?
Credit scoring models consider the age of your accounts, your total available credit, your credit utilization, and your payment history. A seasoned tradeline with a high limit, low utilization, and a perfect payment history can improve those factors on your report — for example, by lowering your overall utilization and adding years of positive history. That is how adding good credit to your profile can help support a higher score.
Is a higher credit score guaranteed?
No, and no reputable company can guarantee a specific score increase. Your score depends on your complete credit profile — including any negative items, balances, and recent inquiries. A tradeline works best alongside an accurate report, which is why many clients combine this program with our credit repair service. At your free consultation, we will tell you honestly whether a tradeline is a good fit for your profile.
How long does it take for the tradeline to appear on my reports?
After you are added, the issuer reports the account on its normal billing cycle. Most tradelines appear within one to two billing cycles — commonly within about 30 to 45 days. Your confirmation will state the expected reporting window for the specific tradeline you selected, based on that account's statement closing date.
How long does the tradeline stay on my report?
The tradeline reports for the period stated on your invoice, which is typically at least two reporting cycles. While you remain an authorized user, the account continues to report each month. When the authorized user status ends, the account may be removed from your report or stop updating, depending on the issuer and the bureau.
Which credit bureaus will it report to?
The express sheet lists the bureaus for each tradeline. Most of our tradelines report to all three — Equifax, Experian, and TransUnion. If a specific tradeline reports to fewer bureaus, that is stated plainly in the sheet and on your invoice before you pay.
What information do you need from me, and why?
The issuer can only add the correct person — and the bureaus can only report to the correct file — if the information matches. That is why the order form asks for the authorized user's full legal name, date of birth, mailing address, and the last four digits of their Social Security number. For your security, we ask only for the last four digits on this website. Please do not send your full Social Security number or a full card number through this page.
Am I responsible for the account's balance or payments?
No. As an authorized user, you are not responsible for the account, its balance, or its payments. The primary account holder is solely responsible. You also have no authority over the account of any kind.
Who is this program best for?
This program is often a good fit if your credit file is thin, if your accounts are mostly new, if high utilization is holding your score down, or if you are preparing for a major application — such as a home or auto purchase — and want additional positive history on your report. It is not a substitute for paying your own bills on time or for removing inaccurate negative items, and we will tell you if we do not believe it will help you.
Which documents must I upload for the Tradeline Program?
Three documents are required before a tradeline can be processed: (1) the authorized user's driver's license or state ID, front and back; (2) the authorized user's Social Security card; and (3) proof of address — a utility bill or bank statement showing the authorized user's name and current mailing address. You upload all three in the order form when you choose your tradeline. They are received with your order on the master interface of our Credit Repair portal, are used only to verify the authorized user's identity and address, and are required because the issuer and the bureaus must be able to match the authorized user to the correct credit file.
How do I pay, and when am I charged?
When you select a tradeline and submit your information, an invoice is generated automatically with its own invoice number. Our team reviews the order, confirms that your spot is available, and sends a secure payment link through our merchant account. Payment is completed through that secure link — this website never asks for or stores a full card number.
What happens after I place my order?
You will receive an email confirming that your tradeline is being processed, together with your invoice. Your order — the information you entered, the tradeline you selected, your uploaded documents (driver's license, Social Security card, and proof of address), and your invoice — is retrieved on the master interface of our Credit Repair portal, in the Master Dashboard's AU Tradeline Processing Center. That is where our team verifies your information and documents, confirms your payment, adds the authorized user, and confirms your expected reporting date in writing, so every order is processed properly and in order. If we need anything further from you, we will contact you at the email address and telephone number on your order.
Three bureaus, three different reports
Equifax, Experian, and TransUnion each keep their own report on you — and they don't share corrections with each other. An error fixed at one bureau can still be hurting you at the other two, which is why we dispute with all three, every time.
Equifax
One of the three nationwide credit bureaus. Lenders, landlords, and employers report your accounts and payment history to Equifax — and pull its report when you apply.
- Must investigate disputes, generally within 30 days
- Must remove or correct items it cannot verify
- Free weekly reports at AnnualCreditReport.com
Experian
Experian holds its own separate file on you, which can contain accounts — and errors — that never appear anywhere else. Most lenders check Experian for auto and card decisions.
- Must investigate disputes, generally within 30 days
- Must notify you of the results of your dispute
- Free weekly reports at AnnualCreditReport.com
TransUnion
TransUnion is heavily used for apartment screening, employment checks, and auto lending. An outdated or incorrect item here alone can cost you a home or a job offer.
- Must investigate disputes, generally within 30 days
- Must delete information that is found inaccurate
- Free weekly reports at AnnualCreditReport.com
Know your rights
Federal law is firmly on the consumer's side. These protections come from the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA) — and our whole process is built around them.
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You have the right to dispute anything on your report.If an item is inaccurate, incomplete, or can't be verified, you can challenge it — and the bureau must investigate, generally within 30 days, and remove what it cannot verify.
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Your reports are free.You can get a free copy of all three reports every week at AnnualCreditReport.com — the official site authorized by federal law. Errors are common: in a Federal Trade Commission study, one in five consumers found an error on at least one of their three reports.
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Most negative information has an expiration date.Most negative items must stop reporting after seven years, and a Chapter 7 bankruptcy after ten. Anything older that's still on your report can be challenged.
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You are protected when you hire a credit repair company.Under the CROA, you must receive a written contract, you have three business days to cancel for a full refund, and a company may not charge you before the work it promised has been performed. No company may legally promise to remove accurate information or guarantee a specific score — and any company that does is breaking the law.
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You never have to wonder who has seen your report.You have the right to know who has pulled your credit, and to place a free fraud alert or security freeze with each bureau if you suspect identity theft.
Book your consultation & sign up
Pick a day and time below to book your free consultation, or enroll now and we'll begin with your free report review. Every free consultation booked here goes directly into our master calendar — the Source Credit Builders of America Management Team reviews the master calendar and chooses the Credit Specialist who will fulfill your consultation.
Schedule a free consultation
30 minutes, by phone, video, or in our Berkley office. Times shown in Eastern Time. Once you book, you'll receive a welcome email confirming your appointment — your Credit Specialist will be ready for you on the day, and will call you at your scheduled time.
How booking works: the master calendarYour consultation is placed on our master calendar — you don't need to pick a specialist. The Management Team will choose a Credit Specialist at that time to fulfill your consultation, and that specialist will be prepared for you on your scheduled date.
Your consultation is requested
Here are your appointment details. To complete your booking, send it to our team with the button below — you'll be copied on the email for your records, and we'll send you the welcome email shown below confirming your appointment. Your booking goes into our master calendar for the Management Team to assign.
- Reference
- When
- Type
- Calendar
Your welcome email
Dear ,
Welcome to Source Credit Builders of America, powered by Tax Source Group — thank you for trusting us with your credit.
Your consultation is set for and has been placed on our master calendar. The Management Team will choose a Credit Specialist to fulfill your consultation. will be prepared and ready for you, and will call you at at your scheduled time — just keep your phone nearby; there's nothing you need to do before the call.
Have these ready for your consultation:
- Driver's license — front and back
- Social Security card
- Proof of address — a utility bill or bank statement showing your name and current address
- Your credit report, saved as a PDF — pull a full three-bureau report and have the PDF ready to upload to our secure client portal
Where to pull your report: the free, official route is AnnualCreditReport.com — save each bureau's report as a PDF. Or use a monitoring service that gives you a complete three-bureau report in one place, such as IdentityIQ, SmartCredit, or MyScoreIQ. Whichever you choose, we need the full report from all three bureaus — Equifax, Experian, and TransUnion — in PDF form. That's the format our system works from, so we can highlight every negative item and give you a complete consultation. A single score or a one-bureau snapshot isn't enough.
On the call, we'll review all three of your credit reports together, explain every negative item in plain language, and map out what we'll challenge for you at Equifax, Experian, and TransUnion. Afterwards, you'll receive a written Consultation Report — the condition of your credit, exactly what we need from you, and what happens next.
Questions before then? Call us toll-free at (844) 272-2344.
Sign up for credit repair
Start your enrollment now. A specialist will contact you to complete your consultation, review your agreement with you, and open your client file.
Welcome aboard — enrollment started
Send your enrollment to our team with the button below — you'll be copied on the email for your records, and we'll send you the welcome email shown below. Our team will reach out to schedule your consultation, walk you through your agreement, and tell you exactly which documents to gather first.
- Reference
- Client
- Goes to
Your welcome email
Dear ,
Welcome to Source Credit Builders of America, powered by Tax Source Group — thank you for trusting us with your credit.
will be getting back to you to schedule your consultation and open your client file. When your consultation is set, your specialist will be prepared and ready for you on that date, and will call you at your scheduled time.
Start gathering these now, so your consultation is complete:
- Driver's license — front and back
- Social Security card
- Proof of address — a utility bill or bank statement showing your name and current address
- Your credit report, saved as a PDF — pull a full three-bureau report and have the PDF ready to upload to our secure client portal
Where to pull your report: the free, official route is AnnualCreditReport.com — save each bureau's report as a PDF. Or use a monitoring service that gives you a complete three-bureau report in one place, such as IdentityIQ, SmartCredit, or MyScoreIQ. Whichever you choose, we need the full report from all three bureaus — Equifax, Experian, and TransUnion — in PDF form, so our system can highlight every negative item and your specialist can give you a complete consultation.
At your consultation, we'll review all three of your credit reports together, explain every negative item in plain language, and map out what we'll challenge for you — and afterwards you'll receive a written Consultation Report covering the condition of your credit, exactly what we need from you, and what happens next. We'll keep you updated in writing at every step.
Questions in the meantime? Call us toll-free at (844) 272-2344.
After your consultation: your written report
When your consultation is done, your specialist sends you a written Consultation Report and a copy stays in your client file. It records exactly what we found, what we need from you, and what happens next — so everything between us stays transparent and accurate. Here's what it covers:
The condition of your credit
A bureau-by-bureau summary — Equifax, Experian, and TransUnion — with your scores as reported, the accounts helping you, and the factors hurting you most.
Every negative item, listed
Each negative item found on each report, explained in plain language — and honestly marked: what can be challenged, and what is accurate and must stay.
Exactly what we need from you
Your document checklist with its real status — driver's license, Social Security card, proof of address, and credit report PDF: received, or still needed.
What we will challenge
Your dispute plan: which items go to which bureau in the first round, and what later rounds will cover as results come back.
What to expect, and when
The bureaus generally have 30 days to investigate each round. Your report lays out the expected timeline and the progress letter you'll receive at every stage.
What we ask of you
Pay current bills on time, keep balances low, don't open new credit while disputes are running unless we discuss it first, and send us any letters the bureaus mail you.
Questions, answered honestly
How much does credit repair cost?
Your consultation and full 3-bureau report review are free. If you enroll, your specialist will go over the exact pricing with you before you sign anything — it's spelled out in your written Credit Repair Agreement, and under federal law we cannot charge you before the work we've promised has been performed. There are no surprises and no obligation to continue after your consultation.
How long does the process take?
Once your disputes are sent, each bureau generally has 30 days to investigate and respond. Many clients see their first results within 30 to 45 days. A fuller cleanup across all three bureaus typically takes several rounds over a few months, depending on how many items you're challenging. We'll give you a realistic picture for your specific report at your consultation — and a written progress letter after every round.
Can you guarantee my score will go up, or that specific items will be removed?
No — and be careful with any company that says otherwise, because federal law prohibits those promises. What we can guarantee is the work: a thorough review of all three reports, professionally prepared challenges for every inaccurate, incomplete, outdated, or unverifiable item, and written updates at every step. When negative items are removed, scores typically improve — but your individual results depend on your report and your ongoing habits, which we'll coach you on.
What documents will I need?
To open your file and send complete dispute packages, we'll ask for: your driver's license (front and back), your Social Security card, a proof of address (such as a utility bill), and your credit report in PDF form. For the report, pull a full three-bureau report — free at AnnualCreditReport.com (save each bureau's report as a PDF), or through a monitoring service that provides a complete three-bureau report in one place, such as IdentityIQ, SmartCredit, or MyScoreIQ. We need all three bureaus in PDF so we can highlight every negative item and give you a complete consultation. The bureaus require identification with every dispute — sending a complete package the first time keeps your disputes from being delayed or rejected.
What if an item is accurate? Can it still be removed?
Accurate, verifiable information that is still within its legal reporting period generally stays — that's the law, and anyone promising otherwise isn't being straight with you. But a surprising amount of negative information is reported with errors: wrong dates, wrong balances, duplicates, accounts that were settled still showing as owed. Those details matter, and every one of them can be challenged. We'll tell you honestly, item by item, what can and cannot be disputed.
What is the AU Tradeline Program, and will I receive a card?
Our AU Tradeline Program adds you as an authorized user on an established, well-managed credit card account, so that account's positive history — its age, limit, and payment history — is reported to your credit profile and can help support your score. You will never receive the card, a card number, or account access of any kind, and you cannot make purchases. Please see the full questions and answers and the current express sheet in the AU Tradeline Program section.
Who will handle my free consultation?
Every free consultation booked on this website goes into our master calendar. You don't need to choose a specialist when you book — the Source Credit Builders of America Management Team reviews the master calendar and chooses a Credit Specialist to fulfill your consultation. That specialist will be prepared for you on your scheduled date and will call you at your scheduled time.
How will I know what's happening with my file?
Communication is where we separate ourselves. You'll receive a written progress letter from us when your disputes go out — listing every item challenged at each bureau — and again whenever a stage changes, a dispute is sent, or a bureau result comes back. You'll never have to chase us for an update or wonder where things stand.
Can I cancel if I change my mind?
Yes. Federal law gives you three business days after signing your agreement to cancel for a full refund, no questions asked, and your agreement explains exactly how. Beyond that window, your agreement spells out the cancellation terms in writing before you ever sign.
Who is behind Source Credit Builders of America?
Source Credit Builders of America is powered by Tax Source Group, the tax professionals our clients already trust with their returns, refunds, and businesses. Most of our tax clients become credit clients — because fixing your credit and doing your taxes right are two halves of the same financial picture.
Your first step is a conversation — and it's free.
Book a consultation today and see exactly what's on your three reports, and what can be done about it.