Terms of Service
Last updated October 12, 2026
These terms apply when you use www.boostlycreditscore.com or buy a Boostly plan. By buying a plan, you agree to them. If you have questions, contact us at support@boostlycreditscore.com or (317) 809-3977.
1. What Boostly provides
Boostly adds you as an authorized user on an established credit card account (a “tradeline”) for the reporting period in your plan, and provides 1-on-1 credit review sessions. Boostly is not a credit repair organization, does not dispute items on credit reports, does not provide loans, and is not a credit bureau.
2. No promised result
Credit scores depend on your full credit profile and on the scoring model a lender uses. We do not promise any specific score, approval, or loan terms. Some lenders and scoring models do not count authorized-user accounts. The score targets on our plans define when you can get a refund under the guarantee below; they are not a promise of results.
3. Your responsibilities
- Give us accurate information, including the identity details needed to add you as an authorized user.
- You will not receive, use, or attempt to use the credit card account you are added to. Authorized-user status is for reporting purposes only.
- Attend your scheduled credit review session(s) or let us know ahead of time if you need to reschedule.
4. Reporting timing
Tradelines usually appear on credit reports within 7–10 days after you’re added, but timing is controlled by the card issuer and the credit bureaus. Your reporting period starts when the tradeline first reports. When the period ends, you are removed as an authorized user, and the account may stop showing on your report.
5. Money-back guarantee
Each plan has a score target: Standard Boost is 20 points; Plus Boost plans are 60 points. If your score doesn’t rise by at least your plan’s target within 30 days after your tradeline first reports, you can request a full refund of the plan price.
How to request a refund
- Email support@boostlycreditscore.com within 14 days after the 30-day window ends.
- Include a credit report or score from before your tradeline was added and one from the end of the 30-day window, from the same bureau and the same scoring model.
- Approved refunds go back to your original payment method, usually within 10 business days.
When the guarantee doesn’t apply
- New negative items (late payments, collections, new hard inquiries you applied for, or higher balances on your own accounts) are added to your report during the 30-day window.
- The tradeline could not be added because information you gave us was inaccurate or incomplete.
- You ask to be removed from the tradeline before the 30-day window ends.
6. Cancellations
You can cancel before you’ve been added to a tradeline for a full refund. After you’ve been added, refunds are handled under the guarantee above.
7. Limitation of liability
To the extent allowed by law, Boostly’s total liability for any claim related to a plan is limited to the amount you paid for that plan. We are not responsible for lending decisions made by third parties.
8. Changes
We may update these terms. The version posted on this page when you buy a plan applies to that purchase.