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.
You, the buyer, may cancel this contract without penalty or obligation at any time before midnight of the 5th day after the date on which you signed the contract. Company will not perform any credit repair services on behalf of the Client before the end of the fifth business day period beginning on the date the contract is signed. See the attached notice of cancellation form for an explanation of this right.
Someone with a credit score of 550 might be charged an interest rate that’s three to four percentage points higher than someone who scores over 750. That could translate into paying several thousand more dollars in interest for a $20,000 car loan or over a hundred thousand extra bucks in interest over the life of a 30-year $200,000 mortgage! That’s money you could invest for your retirement instead.
By clicking “Improve My Credit” I agree by electronic signature to: (1) be contacted by Lexington Law or the following partners about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.
You can get your credit report from each of the three major reporting agencies—Equifax, Experian, and TransUnion—for free once a year at annualcreditreport.com. But credit reports don’t include your actual credit score—you usually have to pay for those. However, I recently joined Credit Karma, at creditkarma.com, where you can actually get it for free!
If you’re not disciplined enough to create a budget and stick to it, to work out a repayment plan with your creditors, or to keep track of your mounting bills, you might consider contacting a credit counseling organization. Many are nonprofit and work with you to solve your financial problems. But remember that “nonprofit” status doesn’t guarantee free, affordable, or even legitimate services. In fact, some credit counseling organizations — even some that claim nonprofit status — may charge high fees or hide their fees by pressuring people to make “voluntary” contributions that only cause more debt.
Superior Tradelines, LLC is the best company offering tradelines for sale. There are three main areas to judge tradeline companies. 1) Complaints 2) Reliability and 3) Financials. Regarding complaints, I would not recommend believing everything you read, but you should consider complaints you read online so long as they are believable based on common sense and you use your judgment (companies have used complaint boards to attack their competition). You should note, Superior Tradelines, LLC has never had a legitimate complaint. Superior Tradelines, LLC works with nearly 90 different companies, and wouldn’t have these affiliations if we were unreliable. Lastly, Superior Tradelines, LLC is bonded with a $10,000.00 surety bond, so your money is safer with us than any tradeline company on the internet.What you do NOT want is companies that pre-empt your ability to get a refund. Look at the terms we found on a competitor’s website:

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You have the right to dispute any information in your credit report that's inaccurate, incomplete, or you believe can't be verified. When you order your credit report, you'll receive instructions on how to dispute credit report information. Credit reports ordered online typically come with instructions for making disputes online, but you can also make disputes over the phone and through the mail.
I accomplished this in two ways: First, I was paying more than the minimum amount due on my credit cards (which I do anyway, but I put forward a little extra than usual, approximately $25 more than required). Next, I simultaneously increased my available credit by half on one of my credit card accounts by accepting a credit line increase offer on my account. I would definitely suggest everyone accept their pending credit line increase offer, if available — just be smart enough not to use it!
How long does it take to improve your credit score? It varies and will depend on how bad your credit score is to start with. With the right approach, you can start seeing significant improvements in your credit score in as little as 30 days. No matter how bad your credit score is, following the right strategy can improve it by 100 to 200 points in no time at all.
“The Federal Reserve’s Regulation B, which implements the 1974 Equal Credit Opportunity Act, requires that information on spousal authorized user accounts be reported to the credit bureaus and considered when lenders evaluate credit history. Since creditors generally furnish to the credit bureaus information on all authorized user accounts, without indicating which are spouses and which are not, credit scoring modelers cannot distinguish spousal from non‐spousal authorized user accounts. This effectively requires that all authorized user accounts receive similar treatment. Consequently, becoming an authorized user on an old account with a good payment history, may improve an individual’s credit score, potentially increasing access to credit or reducing borrowing costs. As a result, the practice of “piggybacking credit” has developed.”
  I/We understand I will be required to maintain and provide access through an approved 3 bureau monitoring service (which includes new reports every 30 days). This is our blue print and essential for fixing my credit reports as quick and efficient as possible. (Credit Rx America does NOT accept Credit Karma as they have you waive various rights. They also do NOT provide 3 bureau credit reports, which we MUST have.)

j) You understand that CRA is expending labor, materials and funds in order to work on your credit file and that CRA is relying on your prompt furnishing of ALL correspondence received by you from either the creditors or credit bureaus, promptly upon being received by you and within 7 days. You further understand and agree that failure to provide legible copies of all correspondence you receive from the creditors and credit bureaus damages CRA and that CRA will use available credit information to establish what items have been corrected or removed from your credit file and will charge you for those items, and you agree to pay for those items, the fees agreed upon by Client and CRA.
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

There are many good reasons to know your credit score—it shows you where your credit stands at any one time and it’s a quick way to keep up with your credit health, among other benefits. Just know you’re not entitled to it free of charge at annualcreditreport.com. Whether you can get free scores somewhere else or how much you’d pay depends on the score, seller and a lot of other details.
Our Policies: The content and information including responses to reader questions contained on Rebuildcreditscores.com is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Our content and materials are provided to you “as is,” without any guarantees.
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.
Obviously, your credit report and credit scores change every single day, as new data appears, and items fall off. The BoostMyScore clients who see a boost to their credit scores from our tradelines typically do not have any new negative information appear in their credit reports at the same time as our tradelines. For this reason, please understand that results may vary, and a boosted credit score cannot be guaranteed.

If you get denied for a major credit card, try applying for a retail store credit card. They have a reputation for approving applicants with bad or limited credit history. Still no luck? Consider getting a secured credit card which requires you to make a security deposit to get a credit limit. In some ways, a secured credit card is more useful than a retail credit card because it can be used in more places. Certain subprime credit cards are geared toward helping customers who wish to rebuild their credit; however, make sure you choose legitimate offers and compare the fees and interest rates before applying.

Hello, although I am 30+ I am fairly new to credit with scores of 731 695 and 703. since I waited so long to start utilizing credit I am now faced with denials due to lack of credit history. out of the 3 credit cards I have one being secured I have no negative reporting and have a utilization of 15%. I am asking what tradeline price is needed not to increase my score but to establish a seasoned record of some sort. 4 inquiries max if i can recall and a few store cards that were recieved through preapproved offers.
Enter Your Reply You do need to talk with a credit repair professional. I know of someone who you can talk to and you can ask him questions if he can help with your situation. He charges reasonable fees but he will tell you if he can help you or not. If he does not there is no charge. Take a chance. Also, you may need to know that owning a home now is less expensive for you than renting. If you can solve this problem and re direct your goal to owning a home - that will be more beneficial for you in the long haul. contact ([email protected] COM) or text (8 5 9) 7 8 0 - 3 7 7 9
You can get your credit report from each of the three major reporting agencies—Equifax, Experian, and TransUnion—for free once a year at annualcreditreport.com. But credit reports don’t include your actual credit score—you usually have to pay for those. However, I recently joined Credit Karma, at creditkarma.com, where you can actually get it for free!
To begin improving your credit score, you should aim to keep your credit card balances on the lower end along with any other type of revolving credit you may have. You should also begin the task of paying down your debt rather than moving it around, and you shouldn’t close any unused credit cards because you are looking for a “quick fix” strategy to improve your credit scores.
"I have to admit i didn't really know much about my score and didn't look much into how it was affecting my daily life until i needed to make a huge purchase and could not. That's when a friend told me how easy it was to have you help her out. My scores has gone up with just a removal of tax liens! I'm sure you won't be disappointed, their disputing letters work!"
It’s a good idea to check your reports at least once a year to make sure all of your information is right. If you notice any errors or incorrect information, contact the credit bureaus and ask for a correction. Errors could include someone else’s information in your file, debts listed that aren’t yours, debts that have been paid in full and incorrect payment history.
That depends what is in your credit files and the authorized user accounts you’ll be adding to your credit reports. This is why it’s important to let us help you select the appropriate credit trade lines. By the allowing us to assist you with your selection of we can make sure you select the right accounts that you need to help you achieve your goals.
Payment terms and status, which dictates and reveals how you pay your bills. Best case is “pays as agreed” (on-time), with late payments starting at 30 days and continuing to 60, 90, 120, 150 and 180. After that six month mark, most creditors will close the account as a charge-off, meaning they assume you’re never going to pay. (With some types of debt, like mortgage loans, that write-off timeline might kick in sooner, after the 120-day mark.) Altogether this reveals your payment history, which can appear on your credit report for up to seven years.
Carrying a credit card balance won't just cost you more money in interest payments; it'll also drive up your credit utilization ratio. Say you have $5,000 in available credit along with a nagging $2,000 balance you've yet to pay off. Even if you don't charge another dime on a credit card for the foreseeable future, as long as that $2,000 remains outstanding, your credit utilization ratio will be above that ideal 30% threshold. Paying off your existing debt, or at least a portion of it, is therefore one of the fastest ways to bring your score up.

Whether it is your utility bill, rent or student loan payment, you should always pay your bills on time. Failing to pay your bill on time can hurt your credit. FICO scores are weighted more heavily by recent payments so you can "override" a past missed payment by developing a pattern of more recent on-time payments. Therefore, if you have a delinquent payment, pay off the balance. However, missing a payment altogether can stay on your credit report for seven years.


How to improve credit score fast: that’s the question you want answered. First off, it’s good to understand what credit is. Credit is like a cocktail, or a dish, that contains many different ingredients: i.e. utilization, age, payment history, inquiries, number of accounts, etc. Having even one of these categories in poor standing will drop your score drastically. If you are in a position of poor credit, adding tradelines (putting positive data on your reports) is the easiest way by far to increase scores which is one of the great tricks to improve credit score.
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.
That's very commendable of you to handle your daughter's financial problems that way.  I used to be employed as a loan officer in finance, but things have changed so much in the last 20-30 years.  I accomplished something very similar to her situation, but I started in the fair range on scoring.  I raised mine 204 points in less than 9 months.  Thanks for passing along this great advice and experience.
I know this post is nearly three years old but I was desperately trying to figure out how to raise my credit score a little faster than usual. I would just like to say that everything he posted I tried and it worked for me. I have raised my score 50 points in just one month! I still have a long way to go, but now that I know what to do, I see it only going up from here.
Installment loans also act as a cushion for your credit score. If you have only revolving accounts such as credit cards and retail accounts to calculate a credit score and you miss a payment, having an installment loan will help balance out the information used to calculate you credit score. Any hit your score might take because a missed payment will not hurt as much.
Take a 401(k) plan loan to pay down balances to reduce utilization to less than 30 percent. A retirement plan loan is not reported to the credit bureaus. The transactions can be processed quickly and you may be able to execute this within a few weeks. As a bonus, you will replace high interest credit card debt with a low interest loan from your own retirement assets.
Tradelines can be used in situations where you have a few blemishes, such as late payments, foreclosures, collections. In these scenarios you will have to purchase several tradelines and enough time would have to pass to reduce the impact. It is always a great idea to know the credit requirements of your lender before you apply so that you do not end up wasting your time and money. If you talk to your lender and ask enough questions you will be able to find out what the requirements are and whether you will qualify or not.
But many people think there is. You are legally entitled to a free annual credit report from each of the 3 credit bureaus, which is the starting point of any credit repair process . But none of them come with a score. That said, when you get your annual credit report from one of the bureaus, the bureau may show you a separate offer for your credit score. That score offer may be free or carry a fee. It’s up to the bureau, but just know they’re not required to offer you a free score.
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.
If your credit card balances every month are more than 30% of your credit limits, your score is suffering, even if you’re paying off your balances in full every month by the payment due date. That’s because your statement balance is most likely what’s being reported to the credit bureaus. So, keep an eye on those balances, and consider pre-paying some of the balance if you know you’ll be above that 30% mark this month.
“An account that’s paid in full is a good thing; however, closing an account isn’t something that consumers should automatically do in the hopes that it will positively impact their credit score,” says Nancy Bistritz-Balkan, vice president of communications and consumer education at Equifax. “Having an account with a long history and solid track record of paying bills on time, every time, are the types of responsible habits lenders and creditors look for.”
To begin improving your credit score, you should aim to keep your credit card balances on the lower end along with any other type of revolving credit you may have. You should also begin the task of paying down your debt rather than moving it around, and you shouldn’t close any unused credit cards because you are looking for a “quick fix” strategy to improve your credit scores.
TIME LIMITS ON ADVERSE DATA: Most kinds of information in your file may be reported for a period of seven years. If you have declared personal bankruptcy, however, that fact may be reported for ten years. After seven or ten years, the information can’t be disclosed by a credit bureau unless you are being investigated for a credit application of $50,000 or more, for an application to purchase life insurance of $50,000 or more, or for employment at an annual salary of $25,000 or more.
my credit is 631, I finally got approved for a credit card. I am in school , with 2 kids and need my own house as well as a car ! I cant get approved for a loan based off my credit. I need the increase FAST ! I don't have much in my name, I have 2 student loans, one paid off fully one doesn't start payments for 6 months.. I have one bank account that went to collections for identity theft. I have 8 hard credits from past and present ): I don't know where to turn but I need HELP!
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)
You can get your credit report from each of the three major reporting agencies—Equifax, Experian, and TransUnion—for free once a year at annualcreditreport.com. But credit reports don’t include your actual credit score—you usually have to pay for those. However, I recently joined Credit Karma, at creditkarma.com, where you can actually get it for free!
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.
I also don’t recommend trying this if you have missed payments with the issuer or have a downward-trending score. The issuer could see your request for a credit limit increase as a sign that you’re about to have a financial crisis and need the extra credit. I’ve actually seen this result in a decrease in credit limits. So, be sure your situation looks stable before you ask for an increase.
Enoch Omololu is a personal finance enthusiast and a veterinarian. He has a master's degree in Finance and Investment Management from the University of Aberdeen Business School and has a passion for helping others win with their finances. His writing has been featured or quoted in The Globe and Mail, Toronto Star, MSN Money, Financial Post, The Motley Fool and many other personal finance publications. Read more...

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Kenneth, Thanks for reaching out to us! I always recommend addressing negative content before engaging in tradeline services. That being said, the specifics of the negative content on the reports can make things murky (i.e. collections that are reporting as paid, charge off accounts reporting as settled, etc.). Check out the post on our forum for some insight: https://superiortradelines.com/forum/credit-repair-before-tradelines/ (especially before purchasing tradelines for sale). Give me a call at 407-476-1357 to discuss further, or email me at [email protected] so that we can figure out what would be the best approach for you and your credit goals.
Reducing your balances on credit cards and other revolving credit accounts is likely the better option to improve your credit utilization rate, and, subsequently, your credit scores. Consistently making on-time payments against your debt will also help you build a positive credit history, which can have additional benefits for your credit history and, by extension, your credit scores, too.

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Pay strategically: Here’s another way to look like you don’t use much or any of your available credit card limits. Try to pay off your balance, or as much as you can, before the statement closing date. The balance on that date is sent to you and the credit bureaus, and is used when FICO calculates your credit score. It doesn't mean that you have to change your spending behavior, it just means you're attacking outstanding debt earlier in the billing cycle.
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