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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.

 

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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

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Credit Sweep, Credit Tips, Tradelines

This is an expedited form of credit repair that attacks the negative items and weaknesses on your credit report. It’s 1000% legal because the power of the Fair Credit Reporting Act is used to your benefit to challenge the inconsistent, inaccurate, and false reporting taking place with the banks and credit bureaus. keep reading

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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

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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

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Credit Sweep, Tradelines

Tradelines are an amazing way to build and boost your credit score fast. It takes a miracle of coordination for an authorized user posting to take place however the most common reasons we see why tradeline postings get delayed and/or do not report are listed below:

 

 


1) Fraud alerts need to be removed from all three credit bureaus

 

2) Address not updated in credit monitoring service (to match the tradeline)

 

3) Cardholder did not get client added on time (at least a couple days before the statement date)

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Credit Sweep, Tradelines

A common question we get here at Wholesale Tradelines is, “are tradelines legal?” We have allocated extensive resources to ensuring we have the correct answer regarding the legality of “credit piggybacking.”

 

 

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, credit bureaus, and lenders.

 

 

The practice of renting credit tradelines, also known as “credit piggybacking” consists of adding an individual with a low credit score as an authorized user to a credit card of an individual with a high credit score. The process tends to improve the credit score of the individual with the low credit score due to the incorporation of the credit history of the highly rated profile on subsequent credit reports of the lower-rated profile. The practice has been in widespread use for at least the past twenty years, and at a time attracted significant scrutiny from Federal Regulators and the creators of the credit “FICO” Score, the Fair Isaac Corporation.

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Credit Sweep, Tradelines

When it comes to your credit score, many people do not realize how important it is. Your score affects every financial aspect of your life. How good is your credit score? Well, if it is bad, this is not a hopeless situation. Luckily, this can be fixed, and you can enjoy the things that you desire to have.

 

 

Here are some of the fantastic benefits of having a good credit score:

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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

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If your credit score is in the dumps, you have to do something about it! You can’t just kick your feet up and do nothing. Even if you credit score is great, you still have to do certain things to maintain your score so it does not drop. Below are my Top 5 Credit Tips That ACTUALLY WORK.


Credit Tip #1. If you have negative accounts on your credit report, you should get a Credit Sweep. I am not trying to be funny but I would much rather have 5 negative accounts than 25 negative accounts. A Credit Sweep will work through removing those negative accounts on your credit report through reporting errors and inconsistencies. We have a phenomenal Credit Sweep program. I put a couple results below so you can see some of the results our clients are getting. I also post new results DAILY on social media. ::I’m Just Sayin’…::

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Credit Sweep, Credit Tips, Tradelines

 

Tradelines, in general, are lines of credit reporting financial data to your credit report. For example, your credit cards, your auto and home loans, student loans, are all considered tradelines. This is the way that lenders keep track of how responsible you are with the credit tradeline they are giving you access to. It’s a double-edged sword. If you are use your cards responsibly, they are a godsend. If you are irresponsible, tradelines are unforgiving and show no remorse. Tradelines are a great tool to use though they promote lots of questions.

 

 

Yes, seasoned tradelines increase your credit score when added properly. What I mean is that any tradeline you are added to, should have perfect payment history, and utilization under 30%. The older the tradeline, and the higher the credit limit, the better. But yes 1000%, seasoned tradelines can increase your credit score. Tradelines give a detailed record of activities carried out by the primary cardholder who has great credit history with that card. That information (plus the credit limit, opened date of the account, payment history), is then imprinted onto your credit report at the end of the statement date which re-calculates your credit score with drastic improvements if done correctly.

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Credit Sweep, Tradelines

One of the best ways to improve credit reports and scores is to add Tradelines. It is considered the best and fastest way by consumers because of how quickly and drastically it works. To make full use of the possibilities of this tool, its meaning and nature must first be understood. Many factors are important in determining credit reports and credit scores. Your credit rating depends heavily your own assessment of how to improve and maintain your credit score.

 

 

A Tradeline is simply an account on your credit report. It is any credit account you see, such as car loan, mortgage loan, student loan, personal loan, etc. Tradelines have two classifications, which are Authorized User accounts and Primary accounts. Authorized User accounts are when you are added to an existing credit card account with a long history of perfect payments and little or no balance. The credit card company will report the entire history for that account to your credit report, drastically recalculating your score.

 

 

A primary tradeline is an account that is your own from the start. Many people are seeking “aged auto and mortgage primaries” but such accounts that are not yours do not exist and are the biggest tradeline scam known in this industry. If you need help with those, check out my recommendations for safe and legitimate Primaries.

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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

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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%.

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