Frequently asked questions

📌 Frequently Asked Questions (FAQ) – SURGE CREDIT SOLUTION LLC

1. What is Surge Credit Solution LLC?

SURGE CREDIT SOLUTION is a credit-building platform that helps individuals improve their credit scores by reporting a positive tradeline each month. We provide simple, affordable tools to help you establish a stronger financial future.

2. How does SURGE help build my credit?

We report a $5,000 credit line to major credit bureaus. This shows up as a positive tradeline on your credit report, helping improve your utilization ratio and adding to your credit history.

3. Is SURGE a credit card or loan?

No. SURGE is not a credit card or loan. We report a membership-based credit tradeline, which is reflected on your report as a revolving line of credit – but without giving access to actual funds.

4. How much does it cost?

We offer a $19.95/month subscription that includes credit line reporting, progress tracking, and credit education resources. Some clients may qualify for annual savings returns as part of our savings plan.

5. What credit bureaus do you report to?

We report to [insert bureaus you report to – e.g., Equifax, Experian, and TransUnion]. This ensures that your credit-building efforts are reflected across the board.

6. How long does it take to see results?

Most users see initial changes within 30 to 60 days after the first tradeline is reported. However, individual results may vary depending on your credit profile and other factors.

7. Can I cancel my membership at any time?

Yes, you can cancel your subscription anytime. However, keep in mind that canceling may result in the removal of the tradeline, which could impact your credit.

8. Do you perform a credit check to enroll?

No. We do not perform a hard or soft credit check to enroll in our credit-building program. Your credit score will not be affected when signing up.

9. What happens if I miss a payment?

If your monthly fee isn’t paid, your account may be paused, and reporting may stop. However, we do not report late payments to credit bureaus.

10. Can this help me get approved for loans or credit cards?

A stronger credit profile may improve your chances of being approved for credit cards, auto loans, or mortgages. SURGE is a great first step to improving your creditworthiness.

11. Who can use SURGE’s services?

Anyone 18 years or older with a valid SSN or ITIN and a U.S. address can join. Whether you’re rebuilding credit or just starting, SURGE is here to help.

12. Is this a secure service?

Yes. We use industry-standard encryption and privacy practices to keep your information secure.

13. Do I need to buy anything or use the credit line?

No purchases are necessary. The tradeline is for credit-building purposes only and does not involve actual usage or spending.

14. What makes SURGE different from other credit-building services?

We focus exclusively on high-limit tradeline reporting, affordable pricing, transparent education, and building a supportive community for your financial growth.