Because of the many factors that go into determining your full credit score, it is impossible to guarantee a specific credit score increase. Our guarantee promises that our credit lines have perfect payment history, and less than 30% of the available credit being utilized. We also guarantee that our lines will report to a minimum of 2 out of the 3 credit bureaus within the contracted time. While 90% of the time our lines report to all 3 bureaus, there are occasionally factors outside of our control that can keep a line from hitting the 3rd bureau. If for whatever reason your line only hits one bureau, we will replace it at no charge. As most lenders take into account your mid-score, it should not lessen your ability to qualify for credit if your credit line reports to at least 2 bureaus.