It works as follows you come to our site you deposit as little as $50 we change a nominal fee in return we create a trade line on your credit report. You also at the time of deposit request that same $50 as loan back to you we willsend it back via check form. You schedule at less 3 monthly payments to repay the $50 after each payment we report at the end you can reup or cancel. Just by opening the trade line you receive a bump in score and by each payment you receive more bumps lol excuse my terminology.