Build your credit profile. Fund what's next.
We help you add seasoned authorized user tradelines to your credit file, and connect business owners with our network of lenders for the funding they need to grow.
Illustrative — tradelines do not guarantee a specific score change. Individual results vary.
Two focused services. No confusion about what you're getting.
Authorized User Tradelines
We help you add seasoned tradelines to your credit file as an authorized user — a long-standing, legal practice under the Equal Credit Opportunity Act. We'll walk you through how it works, what to expect, and whether it fits your situation.
See TradelinesBusiness Funding
We're brokers, not a direct lender — we connect business owners with our network of lending partners to find funding that fits, from term loans to lines of credit. Terms and approval are always determined by the lender.
See Funding OptionsA real office, a real person, not a national call center.
Based in Scranton, PA
A real local business, not an anonymous national platform — you can call and talk to a person who knows your file.
Straight answers
We'll tell you plainly whether a tradeline or a funding option makes sense for your situation — no upsell for its own sake.
Free consultation
Every relationship starts with a no-obligation conversation about your goal, not a sales script.
A real conversation, not a sales pitch.
Your first call is about understanding your goal — whether that's a tradeline, business funding, or both — and whether we're the right fit to help. No pressure, no obligation.
Book Your Free ConsultationWe're building out real client stories for this page.
Want to see verified results? Visit the Testimonials page once published, or ask us directly on your free consultation call.
Better yet, talk it through with us.
Whether it's a tradeline question or a funding need, send a message and we'll help you get started on a clear path forward.
P.O. Box 3052, Scranton, PA 18505
570-572-5771 · rj@credit-fixed.com
Hours
Monday–Friday, 9:00 am – 5:00 pm