A Tradeline is a record on your credit report that lists a credit account you have with a lender.
Tradelines are the addition of positive items to a credit report for the purpose of increasing credit scores.
* ARE TRADELINES LEGAL?*
Yes, it's legal to use an aged tradeline & authorized user; the practice of being added as an authorized user to someone else's credit account to benefit from their credit history is permitted by credit bureaus.
*HOW TRADELINES SHOW UP ON YOUR CREDIT Report?*
Tradelines will show the account type, credit limit, balance, payment history, and account status (open, closed, paid). Authorized user tradelines will be marked as "AU," indicating that you're an authorized user & not the primary account holder. Primary tradelines will show up as you being the primary account holder with a majority of the same information listed above.
*HOW DO I CHOOSE THE RIGHT TRADELINE FOR MY NEEDS?*
Choosing the right tradeline for you depends on your credit goals. If your looking to finance a car for about $45k, it'll benefit you to show a history of paying off a car loan that was about half your desired amount. In a similar fashion for improving credit card approvals, a tradeline with a high credit limit and low utilization ratio is the way to go.
*AUTHORIZED USER TRADELINES DON'T ALWAYS WORK*
Authorized user tradelines show as "AU" on your credit report, which indicates that someone else is responsible for paying the debt. Lenders can see this and know that the positive history isn't entirely your own; this can potentially reduce the impact on your creditworthiness compared to a primary tradeline.
*ADDING TRADELINES TO REMOVE NEGATIVE ITEMS FROM YOUR CREDIT REPORT*
Adding tradelines will not remove negative items from your credit report. However, the positive history from the tradeline can help offset the impact of the negative items.
*HOW LONG DOES THE PROCESS OF ADDING TRADELINES TAKE?*
The process of adding a tradeline can take 20–35 days (primary), depending on the credit card issuer's reporting cycle. You can expect to see the tradeline on your credit report within this time frame.
If the tradeline doesn't appear on your credit report within the time frame expected, contact us immediately; we'll work with you & the credit card issuer to resolve the issue (exchange if necessary).
*CREDIT UTILIZATION RATIO IMPROVEMENT*
Adding aged tradelines with high credit limits and low balances can improve your credit utilization ratio, which can be an awesome factor in calculating your credit score.
*WHERE DO AGED PRIMARY TRADELINES GET REPORTED TO*
Authorized user tradelines get reported to the 3 credit bureaus: Experian, Equifax, & TransUnion.
Aged primary tradelines get reported to TransUnion, Experian, Equifax, & Innovis in 30 to 35 days after the reassignment process is done.
*PURCHASE TRADELINES*
To purchase tradelines, select the tradelines that best fit your needs, provide the necessary information, & complete the purchase. Our team will assist you in the process if needed & ensure the tradelines are added to your credit report promptly. Remember that your personal information should match what's on your credit report.
PLEASE BE SURE TO REMOVE ALL SECURITY FREEZES FROM CREDIT REPORTS OR TRADELINES WILL NOT POST!
These tradelines are strictly for legitimate purposes only; they are not intended for any fraudulent activity or to conceal identity.