20 Jan 2017

Math. Yup, that’s the answer. So, this authorized user tradeline concept isn’t a “chance” process. The “proof” that tradelines work is the fact that tradelines exist (explained below). The only question is how much your scores will increase. This is not a scenario in which a human being is making a risk decision or calculation. This is not a scenario in which other considerations (like income, etc.) are considered. This is how it works: Information flows into the credit bureaus. Credit bureau data flows through scoring models (like FICO). The outcome is your score. So, when we add tradelines to your credit report, the information flows into the credit bureau(s), through the scoring models and your score is positively affected. In fact, the federal government (well, kind of… it was the federal reserve board, which isn’t actually “federal” at all) conducted a study and concluded: If you want to get wonky, you can check out their graph, which breaks down score changes by all types of groups (age, sex, race, etc.). However, please note that they used a Federal Reserve Board simulated score, so the score changes will be difference with FICO scores (which lenders use). Here’s the graph:   Okay, so we know that it technically works. So, how could people say it does not work? How could this go wrong? Perhaps the company you hired didn’t do what they said they were going to do (which is why you should hire a legitimate company like us). We’re working on a page that shows before and after reports with both online and official lender credit reports and scores so that consumers can see results. However, as you can imagine, people are quite concerned with allowing us to publish their reports (even though they are heavily redacted).  

11 May 2014

Tradeline costs vs. credit goals. How much do tradelines cost? I feel like I answer this question quite often, but I’m happy to do it. How much tradelines cost depends on many things. So, it’s kind of like asking how much does a car cost. Before we even ask that question, we ask what kind of car you need, right? You should look at tradelines as in item you need and then try to find the best price (not the other way around). It doesn’t matter if you get a good deal on a product you don’t need. So how much do tradelines cost is not the most relevant question in terms of priority. Once you determine the trade lines you need for your particular goal, then you should determine how much the tradelines cost. For example, if you need three tradelines, that package is going to cost more than one trade line. If you need a significantly age trade line, it’s going to cost more than a younger age trade line. If you need a significantly large limit trade line, is going to cost more than a smaller limit trade line. Here’s an example of tradelines costs and pricing: Tradelines pricing is irrelevant? While the foregoing is true, the difference is not that relevant when you look at the larger funding effort. For example, if you’re getting a $300,000 mortgage, what do you care if the price of trade lines differs $500 or more. The amount you’ll save on a 30 year mortgage makes the cost of trade lines almost entirely insignificant. While clients typically ask how much the trade lines cost, the answer is simple, but all we ask is that you focus on your goals first. You might find differences in price from company to company, but you should always go with the company at puts your goals first. Tradeline Deals? See the first paragraph above, first. But… in the spirit of the question, I will tell you that there are sometimes deals based on market factors (influx of inventory, etc.). For example, we run specials when appropriate:   Free tradelines? For fun promotions, we’ve given away tradelines in the past. We did a tradeline competition where people would share the page and the person with the most shares one. You should definitely follow us on Facebook, […]

01 May 2014

If you need to boost your credit score fast with tradelines, that’s a possibility. However, this is not a product which applies in all circumstances. For example, if you have actively reporting collection accounts, the trade lines are to help you. If you have this significantly more negative items than positive, the trade lines are to help they might not over, the deficiency you face in terms of credit. Or other examples include situations in which your credit score and qualify you for a loan, but some particular account or issue in your credit report would cause an automatic denial during underwriting. So, if you need to boost your credit score fast with tradelines, you need to consider the totality of the circumstances of your credit file. This can be done by a free credit report analysis by one of our trained experts. We will go through your credit report, line by line. We will ask what your goal is. And from there, will determine whether or not trade lines are a viable option to achieve your goals. Tradelines are not for everybody or every credit situation, but if you are a potential candidate, will certainly let you know. If we tell you that trade lines are not going to work, you should highly consider our recommendation for alternative methods of credit enhancement, such as credit repair. We want to make sure our services work for clients, sore not to waste time trying to shove around peg in a square hole. If you need to boost your credit score fast with tradelines, let us perform a credit report analysis and help you determine whether tradelines are right for you.

01 May 2014

Approvals for credit cards require more than just purchasing tradelines for sale. Will tradelines help get you approved for credit cards? Possibly. There’s really two ways to look at this: 1) Manual underwriting 2) Automatic (or computer/algorithm). Manual underwriting: I can’t answer you, because I don’t know what’s in your credit report. As a result, I can’t tell you whether or not your credit score will increase enough from adding tradelines to be approved for credit cards. Also, I don’t know with which banks you’re applying. As a result, I don’t know what their underwriting procedures area. So, what do I know? 🙂 Automatic (or computer/algorithm). In the case of automatic approvals, such as in the case of online applications, you have a much higher chance of approval, assuming your credit scores increase to a particular level. Also, if you have any significant negative items, like charge-offs, late payments or collections for credit card accounts, don’t even both applying until those are resolved. That aside, how do we know what level of credit score is required? Here’s a really cool trick / resource. It’s called creditboards. Go to their website, and click on “credit pulls.” Once you’re there, you can search a state, bank, etc., and you will be give results (like the image above) of real people who have recently applied for credit cards. You will see whether they were approved or denied, what credit score they had, the lines of credit their received, etc. So, once you have this knowledge, you can use our service to add tradelines. From there, you can apply for the lines of credit you’re looking for.  

24 Apr 2014

Whether its possible to get a 650 credit score with tradelines is a dynamic question. As posed, it’s impossible to answer the question. So, I’ll provide some scenarios in order suggest a possible answer. Obviously, to determine where you can go you need to determine where you are. More importantly than where you are, in terms of credit, you need to know why you are there to begin with. For example, you could have a 500 credit score for many, many reasons. You could have a 500 credit score if you have very little credit and one tiny blemish. Or, you have the 500 credit score because you bunch of credit and the balance of negative to positive accounts results of 500 credit score. In the first hypothetical, it’s possible to see drastic increases in score because the positive impact of the added trade lines will not be inhibited by other items in your credit report. In the second hypothetical, the impact an increase in score after adding trade lines to your credit report will be subdued by the other accounts in your report. So, I guess it’s impossible for me to answer your question. However, we provide free credit report analysis on all client credit reports and after this 10 minute procedure we can answer your question, in fact. While it is possible to reach 650 with trade lines, is not possible to answer that question unless a full credit report analysis conducted.

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