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What is a tradelines and how does it work?

A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered 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 Seasoned 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 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 credit and recalculates your score.

Do I need to remove fraud alerts prior to adding tradelines?

Yes. Fraud alerts, credit freezes and other types of locks, block new information from showing up on your report. If you don’t remove the fraud alerts/locks then the tradeline will not post properly. It is the client’s responsibility to call each credit bureau and remove the fraud alert. It is a simple phone call to each bureau to remove it. You can always add the fraud alert back as soon as the tradeline reports if you wish.

How long does it take for traedlines to appear on my report?

Typically tradelines report 10 – 15 days AFTER the statement date given you placed your order at least 3 DAYS BEFORE the statement date. Orders must be made AT LEAST 3 days before the statement date in order for your tradeline to post that month. Each tradeline has a different statement date. Our list is default sorted by statement date so you can see what is closing and posting the soonest. [We are known to make magic happen.] If you have a question about your order, please just ask us!

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How long will tradeline remain on my credit file?

We guarantee our tradeline(s) will stay on your report for a minimum of two posting cycles which is at least 60 days. Certain tradelines like Discover, Capital One and Chase, can remain on up to 90 days. Note that industry average is only a 30 day posting, so you are getting an amazing deal here. If you would like to extend a tradeline lease for a fee, please let us know by within 35 days of your purchase. Note that after your lease has expired, the account will remain on your credit report. 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.

You have the option to extend your tradeline for an additional 30 days for half price. Please get with us before your lease ends so we can keep you on longer!

How much will score increase?

Every client is different, but we recommend to follow the tips above in order to get the best possible boost to your credit score. If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement.

P.S. 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, i.e. a thin 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.

We can however guarantee a min fico score of 710+ provided you're started out with a new CPN purchased from us. In this instance you'd simply need to add min 1 tradeline to a new CPN to guarantee min fico scores of 710+. 

What can I do with my increased 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 better loan terms, hands down.

In addition we also offer funding packages with the purchase of 4 tradelines or more.

What happens when my tradelines is removed, will my score go down?

When your authorized user lease has expired, the information will remain on your credit file, however it will show as a closed account. This is fine because the more positive accounts on your credit file, the stronger your file will be. The most impact you will get out of the tradeline will be while you are in an active status on the tradeline. Your score may or may not dip slightly when your lease has expired. What we have seen historically is a dip when the authorized user is removed, but not to as low as it was before the tradeline was added. Every file is different. Don’t delay, take action as soon as your tradeline(s) have posted to your credit file.

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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 in your credit file thus giving you an increase to your credit score in a very quick amount of time.

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What are you're payment methods?
ACH/Wire/Bank deposit
Western Union
Zelle 
CashApp
Paypal can be offered for existing/repeat clients only, no exceptions.

We no longer offer pay when post. All payment is due prior to order submission.

Do you offer business credit tradelines?

No. However you will need your personal credit as a business owner and entrepreneur. It behooves you to build a maintain a good credit score! We help you do that.

What monitoring services do you prefer?

Credit Check Total is best for posting tradelines to your file and seeing results sooner, in real time. We also like Equifax.com, IdentityIQ, and Privacy Guard. Paid 3 bureau monitoring services are always preferred over the free ones like Credit Karma.

P.S. Keep in mind we do NOT accept Credit Karma or any free service to report a non-posting issue (industry standard).

Are tradelines/CPN legal?

The reader’s digest version is yes, the act of being added as an authorized user to someone’s credit card is legal and is protected by the provisions in the Equal Credit Opportunity Act of 1974 – Regulation B. Although it is legal, it’s usually considered a disliked practice by society and other vendors.

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Do you offer primaries?

Yes, we do offer a limited number of "Non Seasoned" primary tradelines. Bear in mind that these lines will have no history and you'll need to establish payment history for these lines to reflect positve payment history. Typically within 60 days you'll see an increase. These usually appear as an installment rather than a revolving tradeline.

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Refund policy

Refunds only offer for non postings. Clients need to show proof of non posting and submit a refund or credit request.

What is a softpull?

Some lines do not post automatically so we need to merge the tradeline address onto your credit report and by doing this it will make the tradeline report to your credit file. This will result in a credit inquiry to your file. It is the only way to get most tradelines to post. Do not be alarmed, this is just an address merge to your credit file. If you do not want this, there are only four options of tradelines you can pick from that do not require a hard pull, and they require specific supporting documents for the bank. Please email us so we can guide you through it.