10/01/2018
Hey there!
Do you ever wonder how tradelines really work, or how to pick the right ones for you? We got you covered. Below you will find answers to the most common questions we get from our client's surrounding tradelines.
"How do tradelines work?"
A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered referred to in the credit industry as “tradelines” on your credit report. Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline.
The type of tradelines that we provide is Authorized User tradelines, with perfect payment history, low utilization (under 30% unless otherwise noted) and perfect payment history. We do this by adding you as an authorized user to a another persons “tradeline”, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. FICO® digests this newly added AAA credit and recalculates your score with drastic improvements.
"What can I do with my increased credit score?"
An increased credit score will allow you to secure better interest and approval rates on credit cards, car loans, and mortgages. It also impacts your car insurance rate, the ability to rent an apartment, put utilities in your name without a down payment, or personally guarantee your own business. Also certain professions/employers require a certain credit rating for employment. Having a higher credit score means more approvals and lower monthly payments, hands down.
"How do I pick the best tradelines?"
We stick to a few rules of thumb when selecting tradelines:
• Higher limits and older aged tradelines correlate to bigger credit score increases.
• Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).
• If you have nothing on your credit file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.
• The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.
• All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.
• If you have negative items on your credit report, this can offset the boost that you could get. You may need to have a credit sweep, which we provide, in order to get the maximum boost possible from tradeline(s). Tradelines are not a band-aid, they are an enhancement.
"How long does it take for a tradeline to appear on my credit report?"
Tradelines typically post 7 - 15 days AFTER the statement date given you when you place your order at least 3 DAYS BEFORE the statement date. Orders and payments must be made AT LEAST 3 days before the statement date in order for your tradeline to post that same month.
"How long will a tradeline stay on my credit report?"
We guarantee our tradeline will stay on your report for a minimum of two posting cycles which is at least 60 days. Note that industry average is only a 30 day posting, so you are getting a longer posting with us.
After your lease has expired, the account will remain on your credit report permanently. It will just change to a terminated authorized user status. Its great that the account remains on your file indefinitely thus making your credit report more solid.
"Do I receive the card?"
No. The tradeline you purchase will appear in your credit file, however you will not get the card. The goal of tradelines is for you to reap the benefit of a credit score increase/file solidification, then reach for your financial goals. What you are purchasing with tradelines is the information to be essentially copied and pasted into your credit file thus giving you an increase to your credit score in a very quick amount of time. It would be during this time that you could apply for your own credit cards, auto loans, etc. to further strengthen your file.
“Do I need to remove Fraud Alerts before adding tradelines?”
Yes. If you don’t then the tradeline may not post properly.
"Do you perform credit sweeps?"
Yes, we have a phenomenal credit sweep program. Even accurate negative items can often be removed and negotiated away. We also have a great Inquiry Removal program which attacks pesky credit inquiries.
Tradelines and Credit Sweeps are the **TOP SECRET** way to boost your credit score 100+ POINTS FAST so you can start getting approvals...
If your ready to take control of your credit future discontinue receiving “denied “applications, click the link below to begin the process remember it’s 100% satisfaction guaranteed so what have you got to lose except better credit faster! Go now!
Seasoned Tradelines From $199. Huge Inventory. Old Accounts. Limits Up to $100,000
