Frequently Asked Questions

ZO GLOBAL LLC is a strategic consulting firm specializing in credit restoration, business consulting, business credit enhancement, and financial literacy education. Our mission is to help individuals and businesses improve their financial standing through our unique ZGL Method

We offer a range of services, including:

   - Credit restoration and enhancement through the ZGL Method

   - Business consulting and business credit building

   - Financial literacy programs, such as the F.L.I.G.H.T. Program

   - Business registration services

   - Property management for filmmakers

The ZGL Method is our proprietary process that scrubs, wipes down, enhances, and pumps up your credit profile. We legally remove inaccurate or outdated items from your credit report and use premium tradelines to improve your score, making it easier to qualify for loans and credit.

A tradeline is any account that appears on your credit report, such as a credit card or loan. When it comes to credit enhancement, tradelines refer to established accounts with good credit histories. Being added as an authorized user to these accounts can help improve your credit score quickly.

Premium tradelines are high-quality credit accounts with strong payment histories, high credit limits, and low balances. These tradelines provide the most significant boost to your credit score because they show responsible credit usage over time.

When you're added as an authorized user to a premium tradeline, the positive credit history of that account appears on your credit report. This helps improve your credit score by demonstrating a longer credit history, consistent on-time payments, and lower credit utilization.

Yes, tradelines are completely legal. The Fair Credit Reporting Act (FCRA) allows for the use of authorized user accounts to improve your credit profile. At ZO GLOBAL LLC, we ensure that all tradelines we provide are legitimate, and we follow all legal guidelines to protect our clients.

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No, as an authorized user, you do not have access to the tradeline accounts themselves. You will be added to the account for the purpose of boosting your credit score, but you won’t have the ability to make charges or access account details. This ensures the integrity of the account and protects both parties involved.

Typically, once a tradeline is added to your credit report, you can start seeing improvements in your credit score within 30 to 60 days, depending on when the account reports to the credit bureaus.

The number of tradelines needed depends on your current credit profile and goals. For some, one premium tradeline is enough to make a significant difference, while others may benefit from multiple tradelines.

A tradeline is any account that appears on your credit report, such as a credit card or loan. When it comes to credit enhancement, tradelines refer to established accounts with good credit histories. Being added as an authorized user to these accounts can help improve your credit score quickly.

Tradelines typically remain on your credit report for two billing cycles (around 60 days). However, the impact of the tradeline may last longer, depending on your overall credit activity.

No, once the agreed-upon service period ends (usually two billing cycles), you are removed as an authorized user. However, the boost you’ve received to your credit score can remain as long as your credit profile stays positive.

While tradelines can significantly boost your credit score, results depend on the overall health of your credit profile. If you have other negative items on your report (like recent collections or charge-offs), those can impact the tradeline’s effectiveness. We work with you to address any other potential issues.

 Tradeline prices vary depending on the quality and credit limit of the account. Typically, our tradelines range from $350 to $600, but we discuss specific pricing directly with our clients based on their needs.

No, we do not offer refunds for tradelines. Once you are added as an authorized user on a tradeline, the service is non-refundable. This is because the process of adding you to a tradeline involves third-party accounts, and the transaction cannot be reversed once initiated.

Credit enhancement timelines depend on the complexity of your case. Most clients see noticeable results within 30 to 60 days, but the full process may take longer if we need to address multiple areas of your credit.

  If you cancel within five business days of signing the contract and before any work begins, you are eligible for a full refund. If services have already started, you may qualify for a 50% refund, depending on how far the process has progressed. However, this does not apply to tradeline services, which are non-refundable.

The F.L.I.G.H.T. Program is a free financial literacy initiative designed to help individuals gain knowledge about credit, budgeting, and financial management. We offer this program to underserved communities, including those in custody, to help them achieve financial independence.

You can sign up for the F.L.I.G.H.T. Program through our website or by contacting us directly. This program is completely free and open to anyone who wants to improve their financial literacy.

Yes, we offer business registration services for $500. This service is available to clients who have completed the F.L.I.G.H.T. Program and granted us power of attorney to register their business.

In addition to credit restoration and enhancement, we offer business consulting, financial literacy education, business credit enhancement, and property management for film locations. We help businesses grow and provide entrepreneurs with the tools they need to succeed.

 Unlike traditional credit repair services, ZO GLOBAL LLC goes beyond fixing errors on your credit report. We use our unique ZGL Method to legally scrub and enhance your credit, and we provide access to premium tradelines to give your score a major boost. Our business consulting services also help you build a strong foundation for long-term financial success.

You can reach us by calling 800-958-4403 or emailing us at business@zo-global.com. We’re here to answer any questions you have and provide you with a personalized consultation.