We put our money where our mouth is. Every order on DivvyCredit is backed by these commitments.
If your authorized user tradeline fails to post to all three credit bureaus within the agreed posting window, we will issue a full refund — no questions asked. We stand behind every listing on our platform.
Every tradeline purchased through DivvyCredit remains active for at least two complete reporting periods — approximately 60 days. This gives your credit profile the maximum benefit window before the authorized user status is removed.
High utilization can hurt your score even on a tradeline you're added to. DivvyCredit sellers are required to maintain card balances below 10% of the credit limit at the time of posting, ensuring you receive the full credit benefit.
We verify all seller identities, confirm card ownership, and audit posting rates before any card is listed on our marketplace. Only sellers with a proven track record and 80%+ post rate are approved. You see their real posting history.