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Credit Repair, Credit Sweep, Tradelines

In 2019, it’s possible to walk into a dealership, spend less than 45 minutes, and walk out with a car… that you *ACTUALLY* want.



No slimy salesman. No wasted time and effort.



But you must know what you are doing. Is your credit score below 655? If so, you will experience car payments and interest rates known to man (and that’s if you even get approved.) Expect to get denied, or expect a 2019 Mercedes Benz car note in exchange for a 1992 Toyota Camry. That’s normal if you have bad credit.


  keep reading


Credit Repair, Credit Sweep

Your credit inquiries and collections matter because they are the only way banks/lenders know if you are actively applying for credit (i.e. hard inquiries) and if you re-pay your debts.



Banks/lenders say that people who are actively applying for credit in the past 12 months are a higher credit risk than consumers who have not. [::Dang, judgmental…::] keep reading


Credit Repair, Credit Sweep, Credit Tips, Tradelines

There’s a term in credit enhancement called “tradelines.”


Tradelines are an account on your credit report. For example, a credit card, car note, student loans, or a mortgage are all tradelines.


Broad regulations and legal loopholes allow for you to benefit from being an authorized user on another person’s tradeline AKA credit card (otherwise 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 Experian, TransUnion and/or Equifax. The payment history, age, and limit have direct impact on the FICO credit score model which impacts your utilization ratio, average credit age and payment history. FICO® digests this newly added credit and recalculates your score with drastic improvements. keep reading


I wanted to touch base and let you know that we at Wholesale Tradelines are glad to get in touch with you today to quickly let you know that we can help you resolve any credit problem that burden you. Needless to say that the year has begun, it is time to clean up and boost your credit score.



At Wholesale Tradelines, we have over 5 years of experience in credit-related solutions. We help our clients to restore their credit status and give their credit score life again. We can help you resolve bad credit or problems managing your credit and improve your overall credit rating. At Wholesale Tradelines, we know how challenging it can be to gain control over credit. But we have the expertise and experience to make it simple for you.



Basically, our credit services include: keep reading


We all have dreams that we have always wanted to achieve. It might be starting up your own business, buying investment properties, getting a new car or house, or even getting a particular certification.



Why haven’t you achieved your dreams yet?



There is usually one common factor that prevents these dreams from being fulfilled: money. There is no doubt that having a stable financial history is important when we want to achieve many things but more often than not, we are met with circumstances beyond our control. This is where your credit score comes in. Having good credit ensures that you can have access to a better financial life that will open up doors to achieving your dreams. But a bad credit? That is just awful. keep reading


Credit Repair, Credit Tips, Tradelines

Tradelines are among the first solutions that comes to mind when improving your credit score. It’s normal to wonder how exactly tradelines can help to enhance your credit. For starters, you can think of it as a quick injection of positive perfect payment history into your credit report. Here is a quick look at how credit scores can be improved by buying tradelines: keep reading


Credit Repair, Credit Sweep, Credit Tips, Tradelines

Tradelines are one of the least understood aspects of credit reports.



It doesn’t seem right that you can merely purchase a tradeline and your credit score goes up, BUT IT DOES… When it’s done right, your score goes WAY UP.



Which ones will help you reach your goal the fastest? Should you get a couple of cheap ones, or one really good one? How many open positive tradelines should you have? Should you get an age-progressional package? keep reading


Credit Repair, Credit Sweep, Credit Tips

Is buying a home on your bucket list? If so, here are some important things to consider.


According to the Housing Policy Finance Center (HFPC), unless you have a high credit profile, the chance of being rejected is nearly 1 in 3.


The strongest candidates (those with the lowest chance of being denied) have a credit score above 700, a loan-to-value ratio less than 78%, and a debt-to-income ratio less than 30%.

keep reading