Tradelines Packages demo

Improve Your Credit Score Within Weeks With Authorized User Tradelines

Best Prices. Act Now!

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Tradeline Guiding Principles

Improve My Credit Fitness, one of the best tradeline companies will add you as an Authorized User (AU) to credit cards, sometimes known as tradelines, with perfect credit history, high limit and low balance for 60 days.  As an AU, you will not be able to use the card, nor will you be responsible for making payments on the balance.  The history of the cards are then copied into your credit history and a new credit score is calculated. Tradelines are kept with a utilization of 10% or less in order to maximize potential boost.

When selecting a tradeline, always select a tradeline from a bank you have never had any history with. 

We don’t work with CPNs and we don’t add AUs to CPNs.

Tradeline Package Deals

BEGINNER
$ 649
2 Tradelines
Average Age of at least 2 years
Total Limit of at least $20,000
Typical savings of around $100+
HISTORY BUILDER
$ 999
2 Tradelines
Average Age of at Least 10+ Years
Total Limit of at least $11,000+
Typical savings of around $400+
LIMIT BUILDER
$ 1099
3 Tradelines
Average Age of at least 3+ Years
Total Limit of at least $50,000+
Typical savings of around $400+
HAVE IT ALL
$ 1999
3 Tradelines
Average Age of at least 9+ Years
Total Limit of at least $60,000+
Typical savings of around $1150+
Bank LogoBank NameCard IDCard LimitAgeAdd by DateReportingUsers AvailablePriceAdd Tradeline to Cart
AMERICAN EXPRESS8086Card Limit
$ 14,500.00
Age
Amex doesn't report history only limit
10th45 days

2 in stock

$499 $259
AMERICAN EXPRESS8015Card Limit
$ 34,000.00
Age
Amex doesn't report history only limit
6th45 days

2 in stock

$649 $499
AMERICAN EXPRESS8297Card Limit
$ 24,000.00
Age
Amex doesn't report history only limit
30th45 days

3 in stock

$549 $339
AMERICAN EXPRESS8114Card Limit
$ 8,100.00
Age
Amex doesn't report history only limit
28th45 days

1 in stock

$429 $189
AMERICAN EXPRESS8210Card Limit
$ 10,400.00
Age
Amex doesn't report history only limit
28th45 days

1 in stock

$429 $209
AMERICAN EXPRESS8230Card Limit
$ 6,000.00
Age
Amex doesn't report history only limit
15th45 days

2 in stock

$299 $159
AMERICAN EXPRESS8150Card Limit
$ 79,000.00
Age
Amex doesn't report history only limit
22th45 days

Out of stock

$1,699 $999
AMERICAN EXPRESS8151Card Limit
$ 33,800.00
Age
Amex doesn't report history only limit
22th45 days

3 in stock

$649 $459
AMERICAN EXPRESS8152Card Limit
$ 25,500.00
Age
Amex doesn't report history only limit
1st45 days

3 in stock

$629 $349
AMERICAN EXPRESS8196Card Limit
$ 4,000.00
Age
Amex doesn't report history only limit
14th45 days

2 in stock

$279 $129
AMERICAN EXPRESS8241Card Limit
$ 28,000.00
Age
Amex doesn't report history only limit
1st45 days

2 in stock

$649 $419
AMERICAN EXPRESS8162Card Limit
$ 4,000.00
Age
Amex doesn't report history only limit
15th45 days

1 in stock

$279 $129
AMERICAN EXPRESS8011Card Limit
$ 20,000.00
Age
Amex doesn't report history only limit
21th45 days

Out of stock

$599 $329
BANK OF AMERICA8180Card Limit
$ 15,000.00
Age
3 Yrs,2 Mos
17th45 days

1 in stock

$629 $449
BANK OF AMERICA8251Card Limit
$ 17,000.00
Age
19 Yrs,5 Mos
3rd45 days

Out of stock

$1,699 $1,049
BANK OF AMERICA8019Card Limit
$ 2,500.00
Age
2 Yrs,10 Mos
24th45 days

1 in stock

$329 $259
BANK OF AMERICA8290Card Limit
$ 7,500.00
Age
11 Yrs,5 Mos
2nd45 days

Out of stock

$1,099 $679
BANK OF AMERICA8112Card Limit
$ 6,500.00
Age
6 Yrs,9 Mos
9th45 days

Out of stock

$899 $489
BANK OF AMERICA8111Card Limit
$ 5,000.00
Age
4 Yrs,5 Mos
28th45 days

Out of stock

$539 $359
BANK OF AMERICA8022Card Limit
$ 16,000.00
Age
2 Yrs,7 Mos
3rd45 days

1 in stock

$699 $479
BANK OF AMERICA8044Card Limit
$ 5,500.00
Age
10 Yrs,9 Mos
15th45 days

Out of stock

$1,099 $659
BARCLAYS8047Card Limit
$ 1,000.00
Age
2 Yrs,2 Mos
12th45 days

3 in stock

$284 $209
BARCLAYS8077Card Limit
$ 5,000.00
Age
0 Yrs,4 Mos
15th45 days

Out of stock

$299 $189
BARCLAYS8049Card Limit
$ 22,800.00
Age
9 Yrs,9 Mos
20th45 days

Out of stock

$1,259 $888
BARCLAYS8007Card Limit
$ 15,000.00
Age
2 Yrs,9 Mos
1st45 days

2 in stock

$584 $459
BARCLAYS8192Card Limit
$ 15,000.00
Age
0 Yrs,10 Mos
5th45 days

3 in stock

$509 $319
BARCLAYS8014Card Limit
$ 9,000.00
Age
2 Yrs,10 Mos
24th45 days

2 in stock

$510 $389
BARCLAYS8193Card Limit
$ 10,000.00
Age
0 Yrs,6 Mos
1st45 days

2 in stock

$349 $219
BARCLAYS8194Card Limit
$ 16,000.00
Age
0 Yrs,2 Mos
30th45 days

3 in stock

$519 $299
BARCLAYS8130Card Limit
$ 4,000.00
Age
2 Yrs,1 Mos
22th45 days

3 in stock

$459 $259
BARCLAYS8236Card Limit
$ 17,000.00
Age
5 Yrs,1 Mos
25th45 days

Out of stock

$909 $499
BARCLAYS8076Card Limit
$ 4,500.00
Age
0 Yrs,5 Mos
25th45 days

Out of stock

$289 $169
BARCLAYS / BARNES & NOBLE8240Card Limit
$ 22,500.00
Age
1 Yrs,3 Mos
10th45 days

2 in stock

$719 $369
BARCLAYS / FRONTIER8260Card Limit
$ 10,450.00
Age
5 Yrs,0 Mos
10th45 days

3 in stock

$809 $449
CAPITAL ONE8064Card Limit
$ 5,900.00
Age
7 Yrs,3 Mos
9th45 days

1 in stock

$899 $479
CAPITAL ONE8191Card Limit
$ 30,000.00
Age
1 Yrs,0 Mos
25th45 days

2 in stock

$659 $429
CAPITAL ONE8005Card Limit
$ 3,000.00
Age
16 Yrs,6 Mos
1st45 days

Out of stock

$1,049 $749
CAPITAL ONE8009Card Limit
$ 30,000.00
Age
2 Yrs,5 Mos
3rd45 days

Out of stock

$839 $589
CAPITAL ONE8016Card Limit
$ 30,000.00
Age
2 Yrs,10 Mos
25th45 days

1 in stock

$839 $599
CAPITAL ONE8110Card Limit
$ 5,750.00
Age
7 Yrs,2 Mos
29th45 days

Out of stock

$739 $469
CAPITAL ONE8294Card Limit
$ 13,000.00
Age
4 Yrs,3 Mos
20th45 days

Out of stock

$699 $429
CAPITAL ONE8263Card Limit
$ 6,000.00
Age
11 Yrs,9 Mos
22th45 days

Out of stock

$979 $669
CAPITAL ONE8223Card Limit
$ 1,000.00
Age
7 Yrs,11 Mos
23th45 days

Out of stock

$559 $349
CAPITAL ONE8226Card Limit
$ 2,200.00
Age
10 Yrs,0 Mos
25th45 days

Out of stock

$899 $519
CAPITAL ONE8231Card Limit
$ 10,000.00
Age
1 Yrs,5 Mos
23th45 days

3 in stock

$519 $299
CAPITAL ONE8235Card Limit
$ 7,500.00
Age
4 Yrs,6 Mos
2nd45 days

2 in stock

$649 $399
CAPITAL ONE8237Card Limit
$ 6,900.00
Age
7 Yrs,0 Mos
1st45 days

1 in stock

$799 $479
CAPITAL ONE8181Card Limit
$ 1,500.00
Age
3 Yrs,7 Mos
1st45 days

1 in stock

$429 $229
CAPITAL ONE8244Card Limit
$ 10,000.00
Age
1 Yrs,9 Mos
4th45 days

3 in stock

$539 $329
CAPITAL ONE / KOHLS8299Card Limit
$ 3,000.00
Age
8 Yrs,4 Mos
4th45 days

2 in stock

$689 $419
CAPITAL ONE / WALMART8138Card Limit
$ 1,600.00
Age
1 Yrs,9 Mos
1st45 days

3 in stock

$339 $199
CHASE8060Card Limit
$ 2,200.00
Age
16 Yrs,9 Mos
10th45 days

1 in stock

$879 $649
CHASE8113Card Limit
$ 2,000.00
Age
3 Yrs,11 Mos
26th45 days

Out of stock

$439 $249
CHASE8002Card Limit
$ 50,000.00
Age
6 Yrs,6 Mos
15th45 days

Out of stock

$1,699 $1,250
CHASE8004Card Limit
$ 9,000.00
Age
13 Yrs,0 Mos
20th45 days

Out of stock

$1,349 $799
CHASE8008Card Limit
$ 24,000.00
Age
2 Yrs,5 Mos
11th45 days

Out of stock

$619 $529
CHASE8017Card Limit
$ 40,000.00
Age
12 Yrs,8 Mos
17th45 days

1 in stock

$1,808 $1,459
CHASE8018Card Limit
$ 9,500.00
Age
2 Yrs,7 Mos
25th45 days

Out of stock

$549 $399
CHASE8295Card Limit
$ 3,000.00
Age
3 Yrs,5 Mos
21th45 days

Out of stock

$469 $269
CHASE8051Card Limit
$ 500.00
Age
11 Yrs,1 Mos
15th45 days

Out of stock

$629 $479
CHASE8062Card Limit
$ 28,000.00
Age
7 Yrs,10 Mos
5th45 days

Out of stock

$1,199 $799
CHASE8134Card Limit
$ 8,500.00
Age
1 Yrs,10 Mos
1st45 days

1 in stock

$499 $309
CHASE8032Card Limit
$ 5,300.00
Age
11 Yrs,1 Mos
18th45 days

2 in stock

$1,099 $659
CHASE8033Card Limit
$ 6,400.00
Age
18 Yrs,9 Mos
28th45 days

Out of stock

$1,364 $759
CHASE8195Card Limit
$ 5,000.00
Age
0 Yrs,10 Mos
12th45 days

3 in stock

$399 $179
CHASE8048Card Limit
$ 9,975.00
Age
10 Yrs,9 Mos
25th45 days

Out of stock

$1,099 $699
CHASE8045Card Limit
$ 12,300.00
Age
12 Yrs,4 Mos
1st45 days

Out of stock

$1,149 $749
CHASE8059Card Limit
$ 15,000.00
Age
12 Yrs,4 Mos
1st45 days

Out of stock

$1,199 $799
CHASE8120Card Limit
$ 18,000.00
Age
0 Yrs,11 Mos
10th45 days

3 in stock

$549 $319
CHASE - (Reports the following month)8320Card Limit
$ 20,900.00
Age
1 Yrs,6 Mos
8th45 days

1 in stock

$589 $389
CHASE / SOUTHWEST8262Card Limit
$ 7,000.00
Age
7 Yrs,6 Mos
22th45 days

3 in stock

$769 $449
CHASE / SOUTHWESTCard Limit
$ 7,000.00
Age
7 Yrs,4 Mos
20th45 days

3 in stock

$839 $459
CITI / HOME DEPOT8072Card Limit
$ 2,501.00
Age
3 Yrs,1 Mos
2nd45 days

Out of stock

$449 $239
CITI / HOME DEPOT8136Card Limit
$ 8,000.00
Age
3 Yrs,5 Mos
26th45 days

3 in stock

$549 $349
CITI / HOME DEPOT8221Card Limit
$ 2,700.00
Age
4 Yrs,5 Mos
1st45 days

Out of stock

$439 $259
CITI / HOME DEPOT8325Card Limit
$ 2,501.00
Age
12 Yrs,8 Mos
10th45 days

1 in stock

$859 $589
CITI / HOME DEPOT8311Card Limit
$ 10,000.00
Age
1 Yrs,6 Mos
10th45 days

3 in stock

$469 $279
CITI / SEARS8135Card Limit
$ 6,000.00
Age
4 Yrs,8 Mos
10th45 days

3 in stock

$549 $339
CITIBANK8329Card Limit
$ 14,340.00
Age
20 Yrs,7 Mos
20th45 days

1 in stock

$1,699 $1,049
CITIBANK8281Card Limit
$ 4,900.00
Age
0 Yrs,10 Mos
20th45 days

2 in stock

$289 $179
CITIBANK8250Card Limit
$ 18,100.00
Age
26 Yrs,6 Mos
1st45 days

Out of stock

$1,899 $1,249
CITIBANK8190Card Limit
$ 14,000.00
Age
2 Yrs,0 Mos
28th45 days

3 in stock

$689 $379
CITIBANK8328Card Limit
$ 13,600.00
Age
20 Yrs,9 Mos
2nd45 days

Out of stock

$1,699 $1,049
CITIBANK8291Card Limit
$ 11,600.00
Age
7 Yrs,5 Mos
20th45 days

Out of stock

$989 $629
CITIBANK8063Card Limit
$ 3,690.00
Age
7 Yrs,3 Mos
1st45 days

Out of stock

$799 $359
CITIBANK8292Card Limit
$ 11,000.00
Age
4 Yrs,0 Mos
21th45 days

Out of stock

$679 $409
CITIBANK8055Card Limit
$ 9,940.00
Age
10 Yrs,1 Mos
1st45 days

Out of stock

$1,099 $699
CITIBANK8056Card Limit
$ 6,530.00
Age
3 Yrs,6 Mos
1st45 days

1 in stock

$549 $329
CITIBANK8057Card Limit
$ 7,520.00
Age
3 Yrs,6 Mos
25th45 days

Out of stock

$529 $339
CITIBANK8081Card Limit
$ 8,600.00
Age
0 Yrs,4 Mos
10th45 days

Out of stock

$399 $199
CITIBANK8131Card Limit
$ 7,400.00
Age
2 Yrs,9 Mos
12th45 days

2 in stock

$509 $329
CITIBANK8310Card Limit
$ 12,500.00
Age
0 Yrs,11 Mos
1st45 days

1 in stock

$419 $249
CITIBANK8234Card Limit
$ 7,000.00
Age
1 Yrs,8 Mos
8th45 days

1 in stock

$499 $289
CITIBANK8075Card Limit
$ 10,000.00
Age
0 Yrs,5 Mos
2nd45 days

Out of stock

$439 $219
CITIBANK8197Card Limit
$ 15,500.00
Age
0 Yrs,5 Mos
28th45 days

2 in stock

$529 $299
CITIBANK8242Card Limit
$ 12,700.00
Age
2 Yrs,4 Mos
1st45 days

1 in stock

$789 $359
CITIBANK / BEST BUY8137Card Limit
$ 3,000.00
Age
11 Yrs,0 Mos
24th45 days

Out of stock

$899 $529
CITIZENS8153Card Limit
$ 11,000.00
Age
3 Yrs,2 Mos
4th45 days

3 in stock

$649 $409
CITIZENS8296Card Limit
$ 13,500.00
Age
10 Yrs,3 Mos
1st45 days

Out of stock

$1,029 $659
DISCOVER8293Card Limit
$ 36,000.00
Age
6 Yrs,7 Mos
15th45 days

Out of stock

$1,249 $849
DISCOVER8327Card Limit
$ 12,900.00
Age
13 Yrs,2 Mos
12th45 days

Out of stock

$1,199 $799
DISCOVER8212Card Limit
$ 19,000.00
Age
1 Yrs,0 Mos
10th45 days

Out of stock

$559 $329
DISCOVER8038Card Limit
$ 19,400.00
Age
5 Yrs,6 Mos
27th45 days

1 in stock

$849 $549
DISCOVER8232Card Limit
$ 12,300.00
Age
1 Yrs,5 Mos
3rd45 days

2 in stock

$549 $339
ELAN8054Card Limit
$ 21,500.00
Age
8 Yrs,7 Mos
9th45 days

2 in stock

$1,199 $759
KEYBANK8298Card Limit
$ 15,000.00
Age
2 Yrs,3 Mos
10th45 days

Out of stock

$689 $379
OLLO BANK8238Card Limit
$ 2,000.00
Age
1 Yrs,7 Mos
22th45 days

2 in stock

$349 $179
PNC8013Card Limit
$ 10,000.00
Age
2 Yrs,8 Mos
1st45 days

1 in stock

$525 $409
PNC8061Card Limit
$ 18,000.00
Age
7 Yrs,4 Mos
9th45 days

Out of stock

$998 $649
SYNCHRONY / AMERICAN EAGLE8243Card Limit
$ 4,500.00
Age
0 Yrs,9 Mos
28th45 days

3 in stock

$269 $159
SYNCHRONY / BANANA REPUBLIC8246Card Limit
$ 9,000.00
Age
1 Yrs,1 Mos
22th45 days

Out of stock

$439 $209
SYNCHRONY / BP8074Card Limit
$ 5,000.00
Age
0 Yrs,4 Mos
10th45 days

3 in stock

$389 $179
SYNCHRONY / TJ MAX8050Card Limit
$ 1,000.00
Age
9 Yrs,6 Mos
1st45 days

Out of stock

$749 $459
SYNCHRONY / TJ MAX8043Card Limit
$ 10,000.00
Age
2 Yrs,7 Mos
27th45 days

2 in stock

$799 $399
SYNCHRONY / TJ MAX8261Card Limit
$ 5,600.00
Age
2 Yrs,7 Mos
1st45 days

3 in stock

$519 $289
TD BANK8068Card Limit
$ 3,000.00
Age
0 Yrs,5 Mos
20th45 days

Out of stock

$269 $149
TD BANK8092Card Limit
$ 14,500.00
Age
15 Yrs,8 Mos
27th45 days

1 in stock

$1,229 $859
TD BANK8058Card Limit
$ 10,000.00
Age
1 Yrs,0 Mos
10th45 days

Out of stock

$449 $279
TD BANK8082Card Limit
$ 5,000.00
Age
0 Yrs,4 Mos
12th45 days

Out of stock

$329 $179
TD BANK8270Card Limit
$ 15,000.00
Age
2 Yrs,5 Mos
23th45 days

3 in stock

$799 $419
TD BANK8271Card Limit
$ 15,000.00
Age
3 Yrs,8 Mos
1st45 days

3 in stock

$839 $449
TD BANK8023Card Limit
$ 2,000.00
Age
1 Yrs,9 Mos
11th45 days

1 in stock

$314 $229
TD BANK8233Card Limit
$ 5,000.00
Age
5 Yrs,6 Mos
23th45 days

3 in stock

$749 $389
US BANK8053Card Limit
$ 18,000.00
Age
3 Yrs,2 Mos
20th45 days

1 in stock

$699 $489
USAA8090Card Limit
$ 25,000.00
Age
9 Yrs,9 Mos
16th45 days

Out of stock

$1,329 $849
USAA8065Card Limit
$ 1,500.00
Age
7 Yrs,3 Mos
1st45 days

1 in stock

$659 $349
WELLS FARGO8052Card Limit
$ 13,000.00
Age
3 Yrs,0 Mos
5th45 days

3 in stock

$799 $429
WELLS FARGO8154Card Limit
$ 12,000.00
Age
3 Yrs,11 Mos
25th45 days

3 in stock

$819 $439
WELLS FARGO8155Card Limit
$ 30,000.00
Age
3 Yrs,10 Mos
25th45 days

2 in stock

$849 $599
WELLS FARGO8091Card Limit
$ 25,000.00
Age
10 Yrs,3 Mos
15th45 days

2 in stock

$1,329 $829
WELLS FARGO8041Card Limit
$ 3,500.00
Age
7 Yrs,5 Mos
1st45 days

3 in stock

$799 $389
WELLS FARGO8245Card Limit
$ 16,000.00
Age
2 Yrs,11 Mos
24th45 days

3 in stock

$719 $419
WELLS FARGO8040Card Limit
$ 7,500.00
Age
5 Yrs,6 Mos
28th45 days

3 in stock

$899 $439
 

Location

500 S Federal Hwy Suite 421

Hallandale Beach, FL 33008

Phone: (800) 827-3915

[email protected]

Monday - Friday 10am - 7pm EST

Saturday 9am - 12pm EST

The Quickest Way to Increase Your Credit Score

The Quickest Way to Increase Your Credit Score

The American economy is built on one word: credit. This means that if you are going to enjoy everything that life has to offer when it comes to buying a home, vehicle, being approved for personal loans and more, you have to take your credit scores very seriously. For some of us, we may want to take out a new mortgage; some others may just want to get the latest iPhone. Whichever group you fall into, know someone is going to run your credit report. The great news for you today is that by the end of this article, you’ll discover the quickest way to increase your credit score.

But first, we’ll briefly discuss a few credit basics. You’ll see how all of it fits together and discover the quickest way to increase your credit score.

 

Why You Need a Good Credit Score

Some may think it is okay to just “get by” when it comes to a credit score. You know, somewhere around 650 where you are not exactly doing too bad but you are not doing that great either. At that level, you may convince some banks to give you a loan, but the rates are going to be a little higher than normal. Listed below are a few reasons why your credit score is so important.

  • Your Credit determines where you live: Many property owners determine who to rent their houses to by running their credit scores. If you have a bad credit score, it will be more difficult to not just buy a house but rent one as well. Most mortgage lenders want to know that you won’t default on your payments before they will consider giving you loans. Your score will also determine how much interest you have to pay on your mortgage. I know you may be thinking, “Well I’m not looking to buy a house anytime soon.” However, bad credit can hinder your chances of renting a good apartment as well.
  • Good Credit gives you more negotiating power: If you have a good credit score, you are better positioned to negotiate for lower interest rates. On the other hand, if your score is low, lenders will be less likely to negotiate lower rates.
  • Good credit gets you higher limits: While good credit is not all you need to get approval for higher credit limits, it plays a large part. Your credit score is proof that you have a habit of paying your debts on time. This will give banks and lending houses comfort over your likelihood of paying back.
  • Good credit means you may not have to pay security deposits on utilities: Establishing a new utility service may be a chore especially when you have to pay those outrageous security deposits. However, if you have good credit, you most likely will not have to pay a security deposit when you want to register for a new service or transfer your service to a new location.

 

Quickest Ways to Increase Your Credit Score.

Now that you have all the info on why you need good credit, you may be thinking, “But my credit score is already messed up, how can I fix it?” Well, you are in luck because that is exactly what we are going to be discussing in this post.

One thing to know before we get right into it is that bad credit does not go away overnight. It is not built with one late payment and it cannot be fixed by making one timely payment. However, there are a few things you could do to bring your credit score up.

  • Clear out your credit: To increase your credit score, you need to find out everything that’s making it low in the first place. So first things first: request a credit report from any of the big nationwide credit reporting companies. When you receive it, you can choose to print it out or have it saved on your computer so you can have easy access to it. Now get to work: Search for any payment default or late bills. If there are any discrepancies, you can raise a dispute with your billers. By clearing out all defaults, you’re already on your way to a better score.
  • Pay your balance and reduce your utilization rate: If you have any outstanding payments on any of your credit lines, you can lower them to help your utilization rate. Thirty percent of your credit score is determined by how much you currently owe. Paying off your balances should help your credit score. In addition to that, you need to work on reducing your overall balance. If you have a credit limit of $6000, try not to max it out every month. If you are going to keep a higher credit score, you need to keep your utilization below 30%. That means, if you have a limit of $6,000 on your credit line, try not to charge more than $2,000 to it.
  • Become an authorized user: This by far is the quickest way to increase your credit score. If you don’t already know, an authorized user is someone who has been added as an authorized user to another person’s account (usually someone with great credit). Once you are added to the account, you adopt the credit history of the account owner. Now if that history is a great one, it will dramatically improve your own credit rating. Here’s why: your credit report will show all the accounts on which you’re authorized. Being added to a tradeline with excellent credit history is a great place to start raising your credit. While it is more common to reach out to friends and family members to add you to their accounts, if you don’t have that option, you can always purchase a tradeline. By purchasing tradelines, you can in some cases boost your credit score by 100 plus points in no time.

So if you’re thinking your credit is too bad to fix it quickly, think again. There is an answer. All you might have to do is purchase a tradeline. Sign up for a free consultation to see if your credit can benefit from a tradeline.

Authorized User Tradelines Remain a Legal Means for Improving Your Credit Fitness

Authorized User Tradelines Remain a Legal Means for Improving Your Credit Fitness

With so many consumers confused about the legality of “authorized user tradelines,” Improve My Credit Fitness wants to set the record straight about how regulators and credit reporting agencies stand in relation to their use. This confusion stems in large part because they were put under the spotlight during the housing market crisis and financial meltdown of 2007-2010. While many people are under the impression that their use was banned as a result of the various banking-related reforms taken because of the crisis, regulators ultimately made no changes in their use. In fact, the use of such tradelines is perfectly legal as long as specific provisions are met when they are added to your credit report. Credit scoring companies continue to accept the addition of authorized user tradelines and the Federal Reserve Board and Federal Trade Commission did not enact any new regulations to prevent them from doing so.

 

What Is a Tradeline?

A tradeline is basically the specific line-item information about each credit account, with details about the name of lender, type of account, payment status, payment history, and other information highlighting the relationship between the lender and creditor. Credit reporting agencies use tradelines to establish FICO scores and assess credit risk. The addition of authorized user tradelines allows a creditor to “piggyback” on another creditor’s account in order to receive the benefits of that account holder’s good credit. Authorized users receive a copy of that new tradeline in their credit report when the bank or creditor reports to the credit reporting agencies.  For example, when a parent adds children to their account in order to boost their credit when they enter the working world, or when a person adds their spouse in order to boost the overall household’s credit rating.

 

Who Can Benefit From Authorized User Tradelines?

There are three types of customers that can benefit the most from tradelines: 1- Customers who have little credit history; 2- Customers that are just getting started and have no credit; 3- Customers that might have gone through a rough time and have some derogatory items on their credit report. If you filed for bankruptcy or have had lots of delinquencies within the last two years, tradelines will not help you. Please sign up for a free consultation with us to ensure you qualify.

 

Background

Creditors have long followed the practice of furnishing credit information about all authorized users to credit bureaus without distinguishing whether or not authorized users are spouses and/or children. Over the past decade, federal regulators have examined this practice to determine both whether such information should be disclosed, but also if authorized user tradelines should be omitted from FICO scoring completely. In 2007, as the mortgage crisis and subsequent financial crisis of 2007-2010 was heating up, Fair Isaac Corp., the developer of FICO scoring, announced that it was going to eliminate authorized user tradelines from its scoring system. However, after consulting with the Federal Reserve Board and the Federal Trade Commission, Fair Isaac decided to retain them, as their omission might be contrary to law.

For their part, regulators determined that omitting authorized user tradelines from FICO would be in violation of Regulation B of the Equal Credit Opportunity Act. Regulation B prohibits discrimination in any aspect of credit transactions on the basis of age, gender, ethnicity, nationality, or marital status. Regulators also decided that the non-disclosure of authorized user status does not violate Regulation B. Thus, no changes were instituted by the government. At the time, FTC spokesman Frank Dorman said that FTC legal staff had determined that technically the addition of authorized user tradelines “appears to be legal,” a sentiment that continues to hold to this day.

 

Is It Legal?

The end result as of today is that adding an authorized user tradeline to your credit report is not in and of itself illegal, but if you were to use such tradelines for the purposes of fraudulently obtaining a loan you have no intention to repay then it would indeed be illegal. Such nuances explain why the FTC spokesperson characterizes it as “appear[ing] to be legal,” and why the use of tradelines is authorized by federal regulators and accepted by credit reporting agencies.

In other words, utilize authorized user tradelines to boost your credit scores and improve your credit fitness, but don’t commit outright fraud with them. The addition of a fake authorized user tradeline, say from a false front company with a fake account; would constitute fraud. As might the use of false credit information in conjunction with securing authorized user tradelines, or the use of tradelines to secure a loan with the intent of never paying it back.

To help ensure the legality of the practice, make sure the actual addition of any authorized user tradelines is conducted by a reputable credit repair company, such as Improve My Credit Fitness. Make sure the company handling this for you is bonded with a $10,000 surety bond and that any payment you make will be protected in a trust account as required by Section 817.7005.

 

 —Disclaimer: Improve My Credit Fitness cannot give legal advice and none of the above information should be construed as legal advice.

Tradelines: Make $500 to $1,000 Plus Residual Income

Tradelines: Make $500 to $1,000 Plus Residual Income

Ever thought about getting a side hustle or an extra gig to add a few hundred dollars to your monthly income? Well, you’re not the only one. As a matter of fact, these days there are a wide variety of options to try. You could become an Uber driver, deliver for Door Dash, just to name a few. But if you’re like most people; those picking up extra work is – too much work! The great news for you today is that there is a much better way: selling tradelines.

Never Heard of Selling Tradelines for Extra Cash?

If this is the first time in your life hearing about selling tradelines, or if you’ve heard of it before, but never quite understood what it is and how it works, then today is your lucky day, because in the paragraphs that follow, you’ll discover the ins and outs of selling tradelines to bring in $500 to $1,000 plus per month. And the best part about it is that it doesn’t require any hard labor or hours of your precious time. In fact, if you have good credit, selling tradelines is perhaps the quickest and easiest way to make extra cash without doing any actual work. We’ll go in more detail in a minute, but before we do, that burning question of what exactly is a tradeline is probably rolling around in your mind.

What’s a Tradeline?

If you do a Google search, you’ll find dozens of complicated answers on what a tradeline is. But in simple terms, it’s what banks call a line of credit. Your credit card is a tradeline. Simple enough? Well, do you remember in the previous paragraph we noted that if you have good credit that selling tradelines could result in you receiving the extra money you want without having to pick up a side hustle or gig? Well, here’s your chance of a lifetime.

If you have what banks classify as a “seasoned” credit card account, which is simply a credit card account at least two years old with no late payments, whether you know it or not, you’re in high-demand. It is something the law has classified as legal, yet not many people actually know about it.

Here’s what we mean: for every credit card that you have, there is a list of authorized users. Of course you’re an authorized user of the card, but to make money, all you have to do is add someone as an authorized user and your unblemished payment history will be added to their credit.

It’s Safe

With all of the security issues, such as identity theft and hacking going on, the natural question is to wonder if this is actually safe. The short answer to this question is yes, it’s safe. But just to ensure that your mind is free or worry, we’ll explain how your identity, as well as your credit card is safe and secure.

No. 1: Let’s start with your credit card. When you allow someone to be an authorized user as a way to make money selling tradelines, the person won’t have access to your actual credit card. You see, reputable tradeline companies that you sign up under, are the go in between you and the person wanting to purchase a tradeline. The person looking to purchase a tradeline is normally doing so in an effort to boost their credit score to help them qualify for a home loan, new vehicle loan, personal loan, etc. But in any case, that person never knows your name, your account number, or any of that information.

Let’s say for example, you have a credit card that’s two years old with no late payments and you want to sell this tradeline to a tradeline company. The tradeline company will make you an offer. You accept the offer. Then the tradeline company will make this tradeline available for purchase to anyone looking to purchase a tradeline. Once the person purchases the tradeline, all you have to do is either add them online or call your credit card company to add the person to your credit card account as an authorized user.

However, this person does not receive a card, nor have any access to your account information. You’re still in control of that. So basically, it’s a win-win for everyone involved. You make quick and easy money by selling your tradeline. The person looking to purchase a tradeline receives a positive payment history on their credit report to help them improve their credit in order to get the loan for whatever it is they’re seeking.

No. 2: It is important to note that the way tradeline companies make money is by limiting the length of time the authorized user has per tradeline. This is also good for you too. For example: a tradeline can be purchased for $600 for a term of two months. What this means is that after the two months are up, you can remove the person as an authorized user. If the person wants to go longer, he or she will typically have to renew or make a new purchase of the tradeline. Once the time allotted for the tradeline has expired, your tradeline company will send you an email letting you know to remove the person as an authorized user on your tradeline.

But the great thing about utilizing tradelines to make money is that the more seasoned tradelines you have and the more authorized users you have, the more money you can make. But be aware that most credit card companies have a limit on how many authorized users you can have per credit card. Every credit card company or bank has their own rules. And now that you have an overview of how to make money selling tradelines, feel free to give it a try, or learn more about your options as it relates to you making money selling tradelines.

Best Way to Build Credit Fast

Best Way to Build Credit Fast

If you plan to purchase a home, vehicle, furniture, or even rent an apartment, there’s one thing you’ll need in order to be approved: good credit. However, according to a recent study of 220 million people conducted by VantageScore, more than 68 million people have bad or poor credit. The great news for you today is that if you’re looking for the best way to build credit fast, there is a tested and proven way to do it: authorized user tradelines.

What Are Authorized User Tradelines?

An authorized user tradeline is the process of adding revolving accounts – in good standing – to your credit report in order to increase your credit scores. All of your credit cards are tradelines, your car loan is a tradeline and so is your mortgage. This method has proven to be the best way to build your credit fast. As a matter of fact, according to the Federal Reserve, 30 percent of people with a scorable credit score have at least one authorized user account on their credit report.

And in case you didn’t know it, a credit score of:

  • 580 to 669 is considered fair credit
  • 670 to 739 is good credit
  • 740 to 799 is very good
  • 800 to 850 is excellent

So now that you have the numbers in terms of what’s good credit and bad credit; what all of this means is that many people with good credit had a little help taking their low credit score to a higher credit score by being added as an authorized user of someone with good credit. And if you’re like most people, the question you may be asking yourself right now is:

Is It Legal?

The short answer is yes it’s legal. You’ve probably heard of the FICO score. Well, FICO stands for the Fair Isaac Corporation. Just to provide you with a little background, in 2008, this organization, which is the creator of the FICO score, along with the Federal Trade Commission, went to Congress in an effort to have authorized user tradelines removed from being a factor on credit scores.

During the hearings, the Fair Isaac Corporation consulted with the Federal Reserve Board and the Federal Trade Commission, but in the end, changed their stance on authorized user tradelines thereby making authorized user tradelines legal, and since that time has proven to be the best way to build credit fast.

Why Waiting It Out Won’t Work

If you’ve ever had a credit card or loan charged off or go to collections, it is common knowledge that after seven years of no activity the account will fall off of your credit report. This is both good news and bad news. The good news is that the negative account is no longer on your credit report. The bad news is that it may or may not increase your credit score. A clear-cut way to increase your credit score is to have a revolving account that’s at least two years old and in good standing. So waiting it out for seven years for a negative account to fall off a credit report for most people is not the best strategy.

However, when you buy authorized user tradelines from a reputable company, you’ll be able to add a tradeline or account from someone else with good credit in order to boost your personal credit score, quickly and easily. In fact, statistics from a study of more than 1 million people conducted by the Consumer Financial Protection Bureau, shows that being associated with someone else’s credit accounts via authorized user tradelines is the best way to build credit fast.

The Value of an Excellent Credit Score and How Credit Piggybacking Can Help Improve Our Quality of Life!

The Value of an Excellent Credit Score and How Credit Piggybacking Can Help Improve Our Quality of Life!

Credit worthiness can be one of the single most impactful tools that people can use to improve their quality of life. A low credit score, in the long run, can make you lose hundreds of thousands of dollars and depending on your situation, millions over the course of your life.

How? Let’s start with some of the things you might have to give up. For instance: Let’s say you want to move to a nice house or condominium located inside a community. Most of these communities these days require a minimum of a 630 credit score. If you fall below, you will likely be declined. In addition, should you need a short term loan to make it through some rough times or even start a business, the door might be closed if you don’t meet a minimum score requirement. More recently, some national banks started declining new checking accounts due to low or no credit score. If the trend continues, how are you going to operate in an increasingly digital world?

How about the things you’ll pay more for? Consider your car insurance cost, electricity & phone companies asking for deposits, credit card, auto, mortgage and the long list goes on and on.

The question now is: What are you going to do? Are you going to let a number take all the amazing things you can enjoy today away and settle for much less while you pay ridiculous interests, or are you going to take action and change that number now?

If your answer was ‘take action’, keep reading.

Why us?

We are a reliable company – Surety Bonded and offer money back guarantee

We offer credit piggybacking to improve your credit quickly – We have the right tradelines for your specific situation. Whether you need history, age or limit, we have it.

Free Consultation – We offer free consultation. You can submit a consultation request by visiting our website and filling out the free consultation form. Then, one of our credit specialists will contact you at the desired time and date.

Great Prices – We are proud to offer amazing prices. We are constantly evaluating our prices and working on keeping them as low as possible.

What Are Tradelines and What is Credit Piggybacking?

What Are Tradelines and What is Credit Piggybacking?

A tradeline is the specific line-item information about each credit account, with details about the name of lender, type of account, payment status, payment history, and other information highlighting the relationship between the lender and account holder. Credit reporting agencies use tradelines to establish FICO scores and assess credit risk.

Credit piggybacking is when a person with good credit adds another person in need of positive credit history as an authorized user to their credit card. The addition of authorized user tradelines allows the person in need of positive credit history to receive the benefits of that account holder’s good credit. This effectively happens when the bank or creditor reports to the credit reporting agencies and a copy of the tradelines is added to the authorized users credit report. A couple of examples are: when parents with good credit add children as authorized users to a credit card account in order to help them build credit, or when a person adds their spouse to boost the overall household’s credit rating.

 

Who can benefit the most from credit piggybacking?

  1. If you are just starting and have no credit
  2. Anyone with limited credit history
  3. Someone who might have gone through some tough times in the past, but hasn’t had any recent derogatory items on their credit report.

If you filed for bankruptcy or have had several delinquencies within the last two years, tradelines will not help you.

Sign up for a free consultation with us to ensure you qualify. 

Can a 1% Interest Rate Cost You Tens of Thousands?

Can a 1% Interest Rate Cost You Tens of Thousands?

Have you ever considered the significant savings that can be achieved by reduced interest rates and an enhanced credit score? A mere 1% reduction in the interest rate can mean not just $500 or $5,000 or $50,000! How about more than $50,000. . . 

How, you might ask?

Let’s say for example that you’ve put a $75,000 down payment on a home priced at $350,000, leaving you with a principal balance of $275,000. By plugging the numbers into a simple mortgage calculator, we can see the 5% interest rate results in a monthly payment of $1,913.76, but the 4% rate comes in at $1,750.39 per month, a savings of $163.37… Now, stretch that out over the 30-year term of the mortgage and you’ll realize savings of $58,813.20, almost $60,000.

Improve Credit With Tradelines

And what’s the best means for ensuring that you can get your mortgage at the lower rate?

Well, your credit score is going to be one of the biggest factors in determining your mortgage rate. It is imperative to keep your credit score as high as possible.

Lenders look at your overall credit score to determine your credit worthiness, with low scores leading to higher mortgage rates or outright denial of loans, and higher scores making your credit worthiness eligible for lower rates. While the three primary credit reporting agencies—Experian, TransUnion and Equifax—are secretive about their score calculations, FICO scores are calculated by:

• Payment History—35%
• Credit Utilization—30%
• Credit History—15%
• New Credit—10%
• Credit Type and Mix—10%

Improve My Credit Fitness can help you increase your credit score by adding positive payment history, higher credit limits, and a longer credit history, which covers the three primary elements of their calculations in determining your credit score. We do this by legally adding authorized user tradelines to your overall lending account history. A tradeline is basically the specific line-item information about each credit account, which the credit reporting agencies use to establish credit scores. The legal addition of an authorized user tradeline allows a creditor to “piggyback” on another creditor’s account in order to receive the benefits of that account holder’s good credit.

Sound like a good deal?

Indeed, but that’s not all. Imagine how much more you will save on everything else. What are you waiting for? To learn how we can help you boost your credit score to save serious dollars on your mortgage borrowing costs, schedule a free consultation or contact us today by calling (800) 827-3915.

 

Disclaimer: This article is intended for informational purposes only. It does not constitute credit repair advice or provision of credit repair services.

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