(Note: If you have any other question, please feel free to give us a call, we would be glad to help.)
FOR SELECTING TRADELINES
- Higher limits and older aged tradelines correlate to bigger credit score increases.
- More older accounts make your file more solid.
- If you have nothing on your credit file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.
- The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one. Please contact Val or Mike directly if you want to do this.
- All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have a perfect payment history.
- If you have negative items on your credit report, this can offset the boost that you could get. You may need to have a credit sweep, which we provide, in order to get the maximum boost possible from tradeline(s). Tradelines are not a band-aid, they are an enhancement.
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 perfect payment history, 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. FICO® digests this newly added credit and recalculates your score with drastic improvements.
It’s a truly unique and powerful custom service called the “Age Progressional Tradeline Package.” It’s a hand selected pack of tradelines prescribed to decrease the weaknesses in your credit score, which increases your credit score.
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 also ensures easy, breezy posting to your credit report.
Yes, we have a phenomenal credit sweep program. If you have negative item’s on your credit report, you should consider our Credit Sweep program. Here’s how it works:
- 100% legal as we use the power of the law to challenge negative items lowering your score.
- We perform the work with modern strategies to accommodate the ever changing industry.
- Deletions can start occurring within the first 45 days or less. For most clients, the best results happen within the first 90 days.
- This process is extremely expedited.
Yes, we have phenomenal inquiry removal service.
Do you have PESKY CREDIT INQUIRIES?
If you have too many, you will get DENIED more frequently which will hold you back from the things you want to get in your life.
We remove certain pesky credit inquiries that are ruining your credit score so YOU CAN START GETTING APPROVALS AGAIN!
10% of your score is determined based on your credit inquiries so if your number of inquiries is decreased, then bam! Your credit score will increase automatically.
We can remove up to 100 credit inquiries across all three credit bureaus. Typical results are 15 – 30 days.
You have the option to extend your tradeline for an additional 30 days for half price. Please get with us before your lease ends so we can keep you on longer!
P.S. Higher limits and older aged tradelines correlate to bigger credit score increases.
Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).
If you have nothing on your credit file, i.e. a thin file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.
The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.
Age Progressional Tradeline Packages are the most powerful and cost effective way to go.
All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.
Chase Quick Pay
Wells Fargo Surepay
We DO NOT accept credit cards or PAYPAL. It is a violation of Paypal’s user agreement for any credit related company to use their platform for their services.
P.S. Keep in mind we do NOT accept Credit Karma or any free service to report a non-posting issue (industry standard).