Tradeline Info
We know people have questions, so here's a bunch of details, but we are happy to have you call, text, or email us with any further questions you might have.
This is how it generally works: we agree on card(s) for you to be added to and a price, and you pay with Cash app, Zelle, Venmo, or Google Pay. We need your Legal name, SSN, DOB and current address (all as on your credit report) to be able to add you to your lines.
On the Tradeline list, you'll find a "Average Current Report Date", that tells you roughly what day of the month the card reports. (It can vary by a day or 2.). We need to get you added about 5 days before that date, otherwise it won't report until the next month (which is fine, if you aren't in a hurry). Typically you'll see the tradelines on your credit report a few business days after the report date, but it can take up to a week.
Your score goes up accordingly! We cannot guarantee a particular score or increase - there are too many variables that go into the unpublished formulas. But you WILL get a nice boost if you don't have much negative on your report (which is why we recommend you do credit repair to remove negative items before buying tradelines.)
We will leave you on your chosen lines for a minimum of 6 months! We used to guarantee 3 months, but found that this was really important to people, and we were cautious removing anyway, so we now guarantee 6 months, and often it will be much longer. This is the main benefit to using our service - no-one else is offering this length of time, giving you plenty of time to apply for your own mortgage, car loan and credit cards. Note that even after you are removed, the lines will continue to help your score, they just won't report new each month, so the boost they give will diminish over time. If you want to be sure you stay on for even longer, just contact us, we'll extend that another 6 months for a much reduced rate.
You must not have a lock of any kind on your credit with the 3 Credit bureaus. Tradelines will fail if you have a credit lock or freeze of any kind. If you have one you are removing, please discuss it with us before we add you to the tradelines. We do not work with CPN/SCNs – must be a verified valid Social Security number. You also must not have any bad debts with the particular card issuer you wish to use – if you owe Bank of America money, we can still use a Capital One card, for instance, but not Bank of America cards.
Some tradeline adds fail for reasons that are beyond anyone’s control. This happens in less than 5% of cases. Very occasionally only one bureau fails to report – in that case we refund 1/3 of your payment for a particular card, for each agency that it fails to show on. So if it fails to show on all 3, you get a full refund, for that card - usually we offer you a replacement tradeline that is equal or better than the one that failed, but the choice is yours.
You should check your own credit report before buying tradelines, and understand it. We suggest using creditkarma.com, see here for other options: https://en.wikipedia.org/wiki/Comparison_of_free_credit_report_websites
We will look at your report and give you advice ahead of time, if you want. After the sale, it is your responsibility to let us know if a card has not shown up for you – you’ll need to send us your login credentials for one or more of the credit reporting sites for us to confirm, it helps understand what may have gone wrong as well. We will make a prompt refund of any amount paid back then, unless you agree to a replacement tradeline.
Please remember that we cannot predict, or guarantee, any particular credit score or increase – there are too many factors that affect your personal credit report, and too many scoring models. You are purchasing these lines showing up on your credit accounts – not a particular increase.
Note also that all accounts we add you to, may have up to 4% credit-limit usage on them (but usually much less) – and are paid in full each month. This is normal and customary usage, and credit-repair specialists usually prefer this light usage to zero balance, to show an account actually in use, and not misused.
If you are unsure if tradelines are right for you, please do your research first. We don’t want to sell anyone a product they don’t need. Google is very helpful on this subject. We’ve seen scores go up dramatically enough to know they work – and quickly – for the right people. Of course, the more negative items you have on your report, the more there is to overcome. For those with little negative, but not many accounts yet, tradelines can make a dramatic difference. We offer, you decide – no up-sell and no hard-sell.
Text or Call us now, at 321-442-0002 with other questions, or to get a customized quote! Or use our contact form.
This is how it generally works: we agree on card(s) for you to be added to and a price, and you pay with Cash app, Zelle, Venmo, or Google Pay. We need your Legal name, SSN, DOB and current address (all as on your credit report) to be able to add you to your lines.
On the Tradeline list, you'll find a "Average Current Report Date", that tells you roughly what day of the month the card reports. (It can vary by a day or 2.). We need to get you added about 5 days before that date, otherwise it won't report until the next month (which is fine, if you aren't in a hurry). Typically you'll see the tradelines on your credit report a few business days after the report date, but it can take up to a week.
Your score goes up accordingly! We cannot guarantee a particular score or increase - there are too many variables that go into the unpublished formulas. But you WILL get a nice boost if you don't have much negative on your report (which is why we recommend you do credit repair to remove negative items before buying tradelines.)
We will leave you on your chosen lines for a minimum of 6 months! We used to guarantee 3 months, but found that this was really important to people, and we were cautious removing anyway, so we now guarantee 6 months, and often it will be much longer. This is the main benefit to using our service - no-one else is offering this length of time, giving you plenty of time to apply for your own mortgage, car loan and credit cards. Note that even after you are removed, the lines will continue to help your score, they just won't report new each month, so the boost they give will diminish over time. If you want to be sure you stay on for even longer, just contact us, we'll extend that another 6 months for a much reduced rate.
You must not have a lock of any kind on your credit with the 3 Credit bureaus. Tradelines will fail if you have a credit lock or freeze of any kind. If you have one you are removing, please discuss it with us before we add you to the tradelines. We do not work with CPN/SCNs – must be a verified valid Social Security number. You also must not have any bad debts with the particular card issuer you wish to use – if you owe Bank of America money, we can still use a Capital One card, for instance, but not Bank of America cards.
Some tradeline adds fail for reasons that are beyond anyone’s control. This happens in less than 5% of cases. Very occasionally only one bureau fails to report – in that case we refund 1/3 of your payment for a particular card, for each agency that it fails to show on. So if it fails to show on all 3, you get a full refund, for that card - usually we offer you a replacement tradeline that is equal or better than the one that failed, but the choice is yours.
You should check your own credit report before buying tradelines, and understand it. We suggest using creditkarma.com, see here for other options: https://en.wikipedia.org/wiki/Comparison_of_free_credit_report_websites
We will look at your report and give you advice ahead of time, if you want. After the sale, it is your responsibility to let us know if a card has not shown up for you – you’ll need to send us your login credentials for one or more of the credit reporting sites for us to confirm, it helps understand what may have gone wrong as well. We will make a prompt refund of any amount paid back then, unless you agree to a replacement tradeline.
Please remember that we cannot predict, or guarantee, any particular credit score or increase – there are too many factors that affect your personal credit report, and too many scoring models. You are purchasing these lines showing up on your credit accounts – not a particular increase.
Note also that all accounts we add you to, may have up to 4% credit-limit usage on them (but usually much less) – and are paid in full each month. This is normal and customary usage, and credit-repair specialists usually prefer this light usage to zero balance, to show an account actually in use, and not misused.
If you are unsure if tradelines are right for you, please do your research first. We don’t want to sell anyone a product they don’t need. Google is very helpful on this subject. We’ve seen scores go up dramatically enough to know they work – and quickly – for the right people. Of course, the more negative items you have on your report, the more there is to overcome. For those with little negative, but not many accounts yet, tradelines can make a dramatic difference. We offer, you decide – no up-sell and no hard-sell.
Text or Call us now, at 321-442-0002 with other questions, or to get a customized quote! Or use our contact form.
Mortgages
Having a better credit score gets you a better mortgage rate.
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Car Loans
Having an improved credit report can make the difference on getting approved for an auto loan or not.
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Credit Cards
We give you plenty of time to apply for your own cards, and start building your own positive credit history.
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