Disclaimer

Last Updated: March 2026

Please read this disclaimer carefully before purchasing any service from Gray Walkers.

No Guarantee of Results

Gray Walkers provides authorized user tradeline placement services. We do not guarantee any specific credit score increase, improvement to your credit profile, or approval for any loan, credit card, or financial product. Results vary based on each individual's full credit history, existing accounts, payment history, and other factors outside of our control.

Authorized User Service

When you purchase a service from Gray Walkers, you are purchasing the opportunity to be added as an authorized user to an existing credit account. You will not receive a physical credit card or access to the account. The account holder retains full control of the account at all times.

Reporting Is Not Guaranteed

While most tradeline accounts report to credit bureaus within 30–45 days, reporting timelines are not guaranteed. Credit bureaus determine when and how information is reported. Gray Walkers has no control over the reporting practices of Equifax, Experian, or TransUnion.

Tradeline Availability

Tradeline availability may vary. Gray Walkers does not guarantee that a specific account will be available at the time of your purchase. In the event that a suitable tradeline is not available, we will work to find an alternative or issue a refund in accordance with our Refund Policy.

This Is Not Credit Repair

Gray Walkers is not a credit repair organization as defined under federal or state law. We do not dispute inaccurate information on your credit report, communicate with creditors on your behalf, or provide legal or financial advice.

Individual Results May Vary

Any examples, scenarios, or descriptions on this website are for illustrative purposes only and do not represent typical or guaranteed outcomes. Your results will depend on your unique credit profile and circumstances.

Contact Us

If you have questions about this disclaimer, please contact us at jsotelo@graywalkerscredit.com or call/text 708-317-8281.