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EVERYONE SHOULD HAVE THIS REPORTING, EVEN IF YOU HAVE GREAT CREDIT. THIS IS A GREAT WAY TO LOWER YOUR UTILIZATION AND TO PROTECT YOUR UTILIZATION JUST IN CASE YOU MAX OUT ONE OF YOUR OTHER CREDIT CARDS (AND YES, I HAVE IT). Before we get into the plans, let me make something VERY clear NO❌ YOU DO NOT GET A PHYSICAL CREDIT CARD. This is a credit builder tradeline, almost identical to the Ava account , it reports like a revolving line, but you’re not swiping it at stores. Now let’s break down the plans so you know exactly what each one does for your credit 1. BASIC PLAN $5 per month A simple starter plan to get positive reporting going. What You Get: ✔️ $750 revolving credit line ✔️ Monthly reporting to all 3 bureaus ✔️ Builds payment history ✔️ No hard inquiry ✔️ Credit building tools & tracking 2. PREMIUM PLAN $20 per month Adds extra reporting and tools for faster progress. What You Get: ✔️ Everything in Basic ✔️ Rent reporting ✔️ Bill reporting (utilities, phone, etc.) ✔️ Debt negotiation support ✔️ 3 bureau credit reports 3. ULTIMATE PLAN $35 per month🔥🔥🔥🔥🔥 This is the powerhouse package , the one I personally recommend. What You Get: ✔️ Everything in Basic & Premium ✔️ Identity theft insurance ✔️ Personal data protection ✔️ Dark web monitoring ✔️ A REVOLVING CREDIT LINE OF $3,500 🚨 ✔️ Monthly reporting to all 3 bureaus Why I Recommend This Package That $3,500 revolving line is a game changer. It helps: Lower your utilization dramatically Protect your score if one of your real cards gets maxed out Strengthen your overall credit mix Add a strong tradeline that helps your profile look healthier Report like a real $3,500 credit card without the temptation to spend For anyone rebuilding, prepping for funding, or leveling up, this is the BEST package. Here’s the link: https://www.kikoff.com