Why does great credit count?
When you have a low/sub prime credit score (anything under 619), it feels like the whole financial world is against you and life becomes more difficult and expensive. Millions of Americans need to build up and sweep their credit in order to qualify for a home loan, lease an apartment, obtain a car loan, to get a credit card, get a cell phone, and even applying for certain jobs. Your credit score even impacts the rates you pay for auto and homeowners insurance. By restoring and building your credit, you can save thousands of dollars in lower interest on payments and much more. We can help you to remove inaccurate information from your credit file as well as enhance your credit with tradelines molded to your outcome.
Credit burueas keep information on your record up to 10 years, so problematic credit hisotry can follow you around for a LONG time. You came to the right place to skyrocket your consumer buying power!
Our clients on average will get 50 to 90% + of their issues permamently deleted in 35 to 90 days; some reports may take more or less time depending upon several factors like how many items are on the report, how old they are and if you have gone through credit repair recently. Every credit report is different so we work each one case by case to optimize for the best possible results.
79% of all credit reports contain errors! This means that most credit reports can be improved instantly. We work on correcting innaccurate and misleading personal data on your credit report. Also innacurate and unverifiable credit and collection information must be complete, accurate and verifiable otherwise you have the right to dispute the account.
HECK NO! Old established accounts are built into your account history which is a huge chunk of your credit score. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open.
Old accounts are your postive credit. Positive credit takes YEARS to build and if you ever needed to purchase it in the form of a tradeline, it is very expensive. Your old accounts are important, do not close them.
A credit sweep is a form of credit repair which is 100% legal and it works because of the law. The Fair Credit Reporting Act (FRCA) gives you the right to dispute any item on your credit report. If an item cannot be verified, it must be removed. This is the basis of all credit repair.
The FCRA is a U.S. Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in the files of consumer reporting agencies. It is intended to protect consumers from willful and or negligent inclusion of inaccurate information on their credit reports.
What takes other companies 9-14 months takes us ONLY 35 – 45 days for the first round of results.
Every credit report is different. If additional rounds are needed, it will be an additional 30 days for each round. Note that you will continue seeing improvement throughout this entire process given you follow our guidance to maintain your results and empower a lifetime of good credit decisions.
What is your refund policy?
EVERY credit report that we work on has improvement! If we do not produce results, then we have no business accepting your money. We guarantee your credit score will improve otherwise we will refund your money.
Disclaimer: If you have a new derogatory account, run up your credit card balances over 30%, miss a payment, and/or have multiple new credit inquiries, we can see this and it will cause a reduction in your credit score, ultimately undoing all of the progress we made. Don’t do that to yourself!
I LUV YOU VAL! In 30 days you have done for me what others couldn't do in a year. Thank you!
I highly recommend this company, Val and her team are amazing. When I started my score was in the low 600's and now I'm at 741. I was able to buy the truck I wanted and I'm now shopping for a house. I never would have gotten here without your help! Thanks a million.
'Val SIngles and the staff over at Whole Tradelines are nothing short of amazing! Communicative, precise, accurate, and attentive to all your tradeline and credit needs. They will even text you when you don't catch your email. I couldn't recomend a better company.'
Graphic Designer, Stupids Magazine
'When I started my journy my credit was horrible. I couldn't get approved for a secured card. I contacted Wholesale Tradelines and got the ball rolling. My credit was analyzed and I was given a step-by-step plan on what I needed to do. I got approved for a Capital One secured card even though it was a two hundred deposit, it started reporting positively. The next step they got a whole heep of inquiries removed. I was explained the value of debt ratio and what percentage should be used. The next step was a tradeline. even though it was 2500 it was enough to get my score a 60 point increase. I really need that because I was in the process of buying a house. Credit is everything. With that boost, I now have a pre-approval letter for my home loan, and I also just purchases a 2018 accord.'