HL Hunt's Business Credit Builder now runs seven named pricing tiers, from a $100 tradeline to $15,000

HL Hunt Financial's credit-building product — a revolving tradeline reported to major bureaus and usable only inside the company's own marketplace — has been restructured since FinCrunch last examined it in August. The current version of the product page at hlhunt.org presents distinctly named tiers for both personal and business members, rather than the flat numbered levels described previously.

For business members specifically, HL Hunt now lists seven named plans: Basic at $9.99 per month for a $100 tradeline, Bronze at $29.99 for $500, Pro at $49.99 for $1,000, Pro+ at $69.99 for $2,500, Elite at $99.99 for $5,000, Million at $129.99 for $10,000, and Billion at $199.99 per month for a $15,000 tradeline. The company says business tiers report to Experian, Equifax, Dun & Bradstreet and the Small Business Financial Exchange, with a trade reference letter included at every tier except Basic.

The page also states a 95% approval rate regardless of applicant credit history, no hard credit pull, average approval within five minutes, and delivery of the tradeline within 24 to 48 hours of signup. It cites 12,000-plus members, a BBB A+ rating and a 4.9-out-of-5 customer rating, alongside a claimed average credit score increase of 73 points — a different figure from the 85-point average FinCrunch reported from the company's materials in August, suggesting the underlying statistic has since been updated or recalculated.

HL Hunt's page features named member testimonials describing specific outcomes: one member reportedly saw an 87-point score increase over four months before being approved for a $15,000 auto loan at 6.9% APR; another, described as a business member, reported an 89-point increase and approval for a $50,000 business line of credit. FinCrunch has not independently verified these accounts, the timelines described, or whether the cited loan approvals were caused by the tradeline itself as opposed to other factors in each member's financial situation.

The company frames its product as fundamentally different from traditional credit repair, which works by disputing and removing negative items, arguing instead that adding a positive, actively-reporting tradeline moves a score faster. That framing does not resolve a structural point examined in FinCrunch's earlier coverage: credit extended through the product can be spent only inside HL Hunt's own marketplace, so its practical value to a given business still depends on whether that marketplace sells things the business would have purchased anyway.

HL Hunt's site separately advises that revolving tradelines like this one pair best with a traditional installment credit-builder loan from another provider, since installment accounts feed a credit file's payment history and mix without touching the revolving-utilization factor that the company's own product is built to address. Businesses considering the product should weigh the twelve-month-plus commitment implied by the tier structure, confirm which bureaus their prospective lenders actually pull, and treat the testimonial outcomes as illustrative rather than typical, absent independent verification.