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Benefits of a Good Credit Score
A Good Credit score can save you money and makes your financial life much easier.
Bad Credit can make your life more difficult and much more expensive.
The higher your credit score, the lower your interest rates can be meaning that your payments can be lower each month. If you have a good great score, your chances of qualifying for the best interest rates are much higher. This will save you money on interest fees.
Apply for credit with more confidence. A great score will help you present the best possible version of credit. However having an excellent credit score doesn’t guarantee approval, because lenders still consider other factors like your income and debt.
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score.
We legally add positive history to your credit report with authorized user tradelines. We also provide:
We’ve helped over 12,000+ clients to enhance their credit with tradelines over the past several years. The re-sale of our own great tradelines turned into a helping many other people.
We do NOT do funding, and we do NOT guarantee any outcomes regarding your credit.
We simply facilitate the reporting of authorized user tradelines.
We look forward to working with you.
Val and Mike
HOW TRADELINES WORK
The Definition Of A Tradeline
There’s a term in the credit world called “tradelines.”
Tradelines are an account listed on your credit report. For example, a credit card, car note, student loans, or a mortgage are all considered tradelines.
Benefit Of Credit Piggybacking
Broad regulations and legal loopholes allow for you to benefit from being an authorized user on another person’s tradeline (also known as “credit piggybacking”).
The issuing bank reports the positive credit history including the age of the account, the limit of the tradeline and the positive payment history to the select credit bureaus of their determination.
In other words, once you are added as an authorized user to an account, the history of that account appears on your credit report and will be treated as if it was your credit history.
Credit Score Factors
The payment history, age, and limit may have an impact on certain credit score models which impacts your utilization ratio, average credit age, and payment history.
Ideally, you should have at least 3 open positive tradelines on your credit report. Meaning the account should be OPEN, the payment history is perfect, and the utilization is under 25%.
We do this by adding you as an authorized user to a seasoned tradeline, allowing you to “piggyback” off of the account in good standing.
Most Asked Questions
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 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.
It’s a truly unique and powerful custom service called the “Age Progressional Tradeline Package.” It’s a hand selected pack of tradelines prescribed for you.
The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This helps for an easier posting to your credit report.
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.
We are here to serve you!