The bond is in the amount of $10,000. The bond is in favor of the Commonwealth of Virginia for the benefit of any person who is damaged by a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes. A person who wishes to file a claim against the bond for a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may commence legal action against Credit Rx America LLC with the Department of Agriculture and Consumer Services. The surety may be liable only for actual damages and not for punitive damages. The aggregate liability of the surety to all persons damaged by Credit Rx America LLC violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may not exceed the amount of the bond.
You have the right to review your credit report at no charge if a request is made to the credit bureau within thirty days after receipt by you of notice that credit has been denied. If such request is not made within the allotted time, the credit bureau must provide the approximate charge to you for a copy of your credit report for your review (For MD residents, a maximum fee of $5 may be charged). Federal Fair Credit Reporting Act (15 U.S.C. § 1681j)
Let’s say Jason and Betsy both increased their credit line by $500. Jason’s balance was at zero, so he now has $1,000 in open credit that’s not being used. Betsy’s credit line was maxed out at $500, so the new credit line increase only gives her $500 in available credit. So, they both performed the same action, but will have very different outcomes.
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CRA's services include assisting you in disputing inaccuracies, misstatements or unverifiable information and other incorrect information reported on your credit reports. CRA does not charge in advance for any credit repair services. CRA, will not remove any derogatory information (defined as accurate information appearing on a Client’s credit report). Nor will Company assist Client on improving Client’s credit rating or record.
If Jane has a history of perfect payments, but forgot to pay her bill one month, her score won’t be affected in nearly the same manner as Megan, who has a long string of late payments on her report. In fact, due to Jane’s great payment record, she may even be able to call up her credit card issuer and explain what happened to see if they will consider not reporting a late payment to the credit bureaus. Megan, on the other hand, won’t likely able to get that removed no matter how hard she tries, given her historical patterns.
In the event of any disagreement, claim or dispute between the parties arising out of or relating to this agreement or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, we’ll try to resolve it by talking with each other. If we can’t resolve it that way, WE BOTH AGREE, TO THE FULLEST EXTENT PERMITTED BY LAW, TO USE ARBITRATION, NOT LAWSUITS shall be determined by arbitration in Laramie County, Wyoming or in the county in which the consumer resides, in accordance with the Laws of the State of Wyoming for agreements to be made in and to be performed in Wyoming. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not attorney’s fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.

There are a lot of companies as well as random people on the net especially Craigslist that offer tradeline services. Since tradelines are one of the easy ways to improve credit score, anyone who has discovered them has the ability to offer them. After all, it only takes access to someone with credit cards that have good history, limits, and perfect payment histories.


A lot of folks think that Increasing your credit limit just means giving yourself the opportunity to spend beyond your means. But, not necessarily. Increasing your credit limit can have a number of upsides if you manage your credit wisely, but mainly it will lower your overall credit utilization and increase your score provided you keep your utilization low and make your payments on time.
Our company has been working with Boost My Score for over 6 years. There is a lot of misinformation out there about authorized users. No matter what you hear, authorized users definitely work. We have done extensive testing and have seen the results of hundreds of clients - from 20 points to 150 point score improvement, which helps people save money on their loans. When clients don't have a family member who can help them, BMS is the only company we turn to. They have integrity, care about clients, and will stand behind their service. There may be cheaper options out there, but I wouldn't trust anyone else to help our clients.
By checking the box on our application form that states: "I UNDERSTAND BY CHECKING THIS BOX AND PROVIDING MY SOCIAL SECURITY NUMBER, I CERTIFY THAT I AM AT LEAST 18 YEARS OF AGE, ACKNOWLEDGE THAT I HAVE RECEIVED AND READ THE LEGAL DISCLOSURES, FEDERAL DISCLOSURE, STATE DISCLOSURE, AND SERVICES AGREEMENT, AND GIVE MY ELECTRONIC SIGNATURE AND LIMITED POWER OF ATTORNEY FOR CREDIT RX AMERICA, ETAL TO PERFORM WORK ON MY BEHALF" you are representing and agreeing that you accept all terms and conditions as if you had physically provided your signature.
You have the right to review any file on you maintained by a consumer reporting agency (i.e., credit bureau). You have the right to obtain a copy of that file from each consumer reporting agency free-of-charge every 12 calendar months. You may obtain your free copies on the Internet at www.annualcreditreport.com, or by contacting the consumer reporting agency directly. You also have the right to obtain a copy of your file free-of charge from the consumer reporting agency if you request the free copy within sixty days after you receive a notice of a denial of credit.
Credit age (how long your accounts have been open) has a moderate impact on your credit score. Lenders generally want to see that you have at least three open and available sources of credit, where you are current on your payments. The longer you’ve had your account open in good standing the better. Keeping accounts open maintains your credit age and, as mentioned, helps with credit utilization.
Following these tips will not only save you money but also teach you the valuable skills necessary to maintain a good credit score in your future. If you have bad credit, don’t give up on credit entirely. Instead, be responsible and stay educated about your accounts and scores so you can successfully handle your own finances and find a credit repair plan that works well for your situation.
No one can legally remove accurate and timely negative information from a credit report. You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost. By law:
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.
If you find an account that you don't recognize, it could be the result of an identity thief using your name to get credit, or a lender may be reporting the account in error. If a fraudster is at work, you can take steps to block the fraudulent information from your credit reports. If the negative account is the result of an error, contact the lender or whoever furnished the information in question, and file a dispute with each credit agency whose report lists the account.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. 

While the best credit repair company is the one you feel comfortable using, there are a lot of factors to consider when comparing. While things like fees and features may be more obvious, don’t forget to check the company’s status with the BBB and industry associations; if the company has a bad reputation among other companies, you should take the warning.
You have the right to review any file on you maintained by a consumer reporting agency (i.e., credit bureau). You have the right to obtain a copy of that file from each consumer reporting agency free-of-charge every 12 calendar months. You may obtain your free copies on the Internet at www.annualcreditreport.com, or by contacting the consumer reporting agency directly. You also have the right to obtain a copy of your file free-of charge from the consumer reporting agency if you request the free copy within sixty days after you receive a notice of a denial of credit.
I am a mortgage officer at a community bank. Knowing the importance of credit I have been helping my daughter to rebuild her credit over the past 11 months. Payment history makes up 35% of your credit score. If you have late payments -a good payment history takes time to rebuild! When I started working with my daughter her credit score was 533 due to late payments on her student loan and a medical collection of $135. I am pleased to say her current score is 754! You may ask how could her score be increased over 200 points in less than a year?

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You have rights under the law and, unlike other companies, we tell you about them so you can exercise them. By creating an account on our website through any sign-up form or any other method, you expressly consent to Superior Tradelines, LLC, it’s employees, contractors, agents and assigns (hereinafter “our” or “we”) communicating with you, using any phone number, including a mobile or cell phone number, or email address that you have provided us using any current or future means of communication at our full discretion and transmitted by any available means. Technologies we may use to contact you include, but are not limited to, automatic telephone dialing equipment, artificial or pre-recorded voice messages, SMS text messages, or email, all of which may be transmitted by any available technology.  YOU ACKNOWLEDGE THAT YOU MAY INCUR COSTS FROM YOUR SERVICE PROVIDER RELATED TO RECEIPT OF OUR COMMUNICATION AND YOU FURTHER CONSENT TO USE OF THESE MEANS OF COMMUNICATION EVEN IF YOU INCUR COSTS. You understand that you may revoke your consent to receive communication from us by visiting:
Brittney Mayer is a credit strategist and contributing editor for BadCredit.org, where she uses her extensive research background to write comprehensive consumer guides aimed at helping readers make educated financial decisions on the path to building better credit. Leveraging her vast knowledge of the financial industry, Brittney’s work can be found on a variety of websites, including the National Foundation for Credit Counseling, US News & World Report, NBC News,TheSimpleDollar.com, CreditRepair.com, Lexington Law, CardRates.com, and CreditCards.com, among others.
If you're close to maxing out your cards, removing the debt should increase your score after the low or zero balances show up on your credit reports—likely in the following month or so. Don't have enough cash lying around to make a big payment? Another strategy is to transfer the debt to an installment loan—say, a personal loan—or a home-equity line of credit. Such debts don't factor into utilization ratios. Plus, the presence of the loan or HELOC on your credit report could improve your mix of credit, which accounts for 10% of a FICO score.
Trade lines may contain a variety of different data points related to the creditor, the lender, and the type of credit that is being provided. The trade line often contains the name of the creditor or lender, the account or another identifier for the type of credit being provided, the parties responsible for paying the loan, and the payment status of the account.

Creditors make those calculations based on the data included in your credit reports, which are issued primarily by the three major credit reporting companies - TransUnion, Equifax and Experian. By and large, the entire credit score range stands between 350 and 800. The higher your credit score, the easier it is to get loans and credit. The lower your credit score, the harder it is to get approval for loans and credit, and the more you'll pay (in interest) for the credit you do earn from a creditor or lender.


We listen to you, evaluate your credit goals and review your current credit situation. We do this on a one-on-one basis and we do it for free. This is the most important part of the tradeline process and anyone who skips it cannot possibly have your best interest at heart. To get started, you can: Email [email protected], sign up online or call 800-431-4841.

Your loan balances also affect your credit score in a similar way. The credit score calculation compares your loan current loan balance to the original loan amount. The closer your loan balances are to the original amount you borrowed, the more it hurts your credit score. Focus first on paying down credit card balances because they have more impact on your credit score.


This Agreement is made in Laramie County, State of Wyoming, United States of America. This Agreement shall be governed by and construed in accordance with the laws of the state of Wyoming, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this Agreement, including application and/or interpretation of the arbitration provision, or CRA's services shall be an appropriate state of federal court located in Laramie County in the state of Wyoming, as allowed by law.
Credit scoring models usually take into account how much you owe compared to how much credit you have available, called your credit utilization rate or your balance-to-limit ratio. Basically it's the sum of all of your revolving debt (such as your credit card balances) divided by the total credit that is available to you (or the total of all your credit limits).

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
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The total amount charged to you will depend on how many items on your credit report(s) you choose to have us correct or have investigated. CRA charges you after an item is deleted/corrected. This payment covers all of the work fully and completely rendered as described in Paragraph 1, CRA's Scope of Services, and section titled "pay for results", "Optional credit services" and "Identity Protection" are due at the completion of each deletion/correction or Optional service completed.
Keeping a high balance on your credit cards is not good practice. Maxing out your credit cards month-after-month and not paying them off can affect your score because credit bureaus compare how much credit you use to the amount of credit you have available. As a rule of thumb, it’s a good idea to keep your credit to less than 30% of your available credit. For example, if your card has a credit limit of $2,500 you should only be using $750 of that each month.

Today, the tradeline industry is growing at a rapid rate. This is a good and bad thing. It’s good because the benefit of tradelines for sale can reach more consumers as they become more aware of the options available to them. It’s bad because shotty “businesses” are popping up left and right trying to clone that which has been established by legitimate companies. As a result, the quality of service has been compromised.
A question that always tends to rear its head is “how do I quickly improve my credit score by several hundred points?” While you can’t increase your credit score tomorrow, it is possible to turn your credit around in a relatively short amount of time — usually give or take one year depending on the health of a person’s current score. Showing you can be diligent about your spending and debt repayments will go a long way in convincing lenders you are a low-risk customer.

I to am rebuilding my credit for the past 2-1/2 yrs and to get it past 750 and most recently got added as an authorized user on my moms' credit card (more for using the card in an emrgency on her behalf than rebuilding my credit) and would like to get a possible clarification- If my mom misses a payment or maxes out her credit limit on her card that im a authorized user on, will it impact my score (currently 730)?
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