This (“Agreement”) is dated and effective upon the date that the Client accepts the terms herein via electronic signature as recorded electronically by CRA. The term of this agreement is 6 months from the agreement date, and will automatically renew without a written notice from client canceling automatic renewal prior to the date of the original 6 month term expiration (Under Missouri law Statute RSMo 407.642.1(3) the maximum term of an agreement is one hundred eighty days, therefore in order to continue services for Missouri clients Missouri clients will have to re-sign our contract after 180 days).

Every one of us has our own financial goals and authorized user trade lines can help a lot as we try to achieve these goals. You may be planning to get a loan for your car, pay for a mortgage for your dream house, or you may just simply be planning to position your financial health. Regardless of your plans, when it comes to managing your credit account, authorized user trade lines can always help.


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.


Pay off debt rather than moving it around: the most effective way to improve your credit scores in this area is by paying down your revolving (credit card) debt. In fact, owing the same amount but having fewer open accounts may lower your scores. Come up with a payment plan that puts most of your payment budget towards the highest interest cards first, while maintaining minimum payments on your other accounts.
But don't ignore a collection just because it's a small amount or listed as paid off. Such negative marks are actually quite serious and can significantly hinder your score. However, there's no need to jump up and down in a screaming fit of indignation if the credit reporting agencies listed the wrong employer for you or misspelled your middle name. Unfortunately, the scoring formula doesn't even consider those things.
The credit utilization ratio is another important number in credit score calculations. It is calculated by adding all your credit card balances at any given time and dividing that amount by your total credit limit. For example, if you typically charge about $2,000 each month and your total credit limit across all your cards is $10,000, your utilization ratio is 20%.

The offers that appear on Rebuildcreditscores.com's website are from companies from which rebuildcreditscores.com receives compensation. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. However, this compensation also facilitates the provision by rebuildcreditscores.com of certain services to you at no charge. The website does not include all financial institutions or all of their available product and service offerings.
Finally, you may wonder why we didn’t mention the time-honored tactic of piggybacking on someone else’s already established good credit as an authorized user or joint account holder. That’s because the suits pulled the plug on this strategy after some businesses began using it in nefarious ways. In other words, the bad guys ruined it for all of us. Still, even though you’re on your own, following the rules above should have you earning your gold star all by yourself in no time.

This is incorrect.You cannot decide when to take the secured deposit back-only the credit card issuer can do this.Also, shredding a card is a bad move as creditors will lower your credit limit or even cancel your card if it is not used somewhat regularly.The end result of this will be one less line of credit and a lower credit limit (which can make it harder to keep your utilization low),thus resulting in a lower credit score.

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...

Discounts that may be applied: 1) Active military service personnel discount in the amount of 10% (with presentation of valid active duty military ID) off all billed services listed above. To receive the spouse discount, you must remain current on your payments with us. If you do not pay your invoice upon receipt of the invoice you will lose your discount on the late invoice and on all future invoices. If you, the Client, seek additional services not contained in the Program you selected, a separate agreement may be required. 

One late payment can take as much as 100 points off a good credit score and 30 points off a fair to poor credit score. You may have simply overlooked the payment and your credit score should not have to suffer. Many creditors understand this and will work with you especially if you typically pay on-time. Write a goodwill letter requesting removal of the late payment from your credit reports. See a sample goodwill letter here.
The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This helps for an easier posting to your credit report.
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:

The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This helps for an easier posting to your credit report.
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)
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. 

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.

We don’t provide lists, because that is putting our sales goals above your credit goals. If anyone is giving you a list, that’s what they’re doing: putting their sales goals above your credit goals. We’ve written about tradelines lists previously. Speaking of goals, you should try our new tradeline and credit analysis tool, which will help you determine if tradelines are right for you. Also, if you have a CPN, we can’t and won’t work with you 🙁 So, hope that was helpful information.
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 should look for their brand. You should be sure that their website has a lot of content. Look for their faces on the site. Look for direct contact information. Once you have a level of comfort, you should call them (don’t let them hide behind emails… get on the phone so you can use your judgment and evaluate their worthiness for your business).
If you’ve filed for bankruptcy, gone into foreclosure or suffered through a short sale, you may be wondering when the credit score misery ends. How long will it really take to get out of the credit score hole you’re in? For all of these mistakes, your credit score takes the biggest hit when it first hits your credit report, but its impact will lessen over time and eventually that account will disappear from your credit report due to federal laws that limit the amount of time it can impact you.
Most people don't put much thought into their credit scores until the time comes to apply for a loan. If you expect to need financing in the next few months and aren't convinced your credit score is high enough to get you approved, you'll need to act quickly to improve your chances. Thankfully, there are several things you can do to boost your credit score in record time.
Attack unattractive debts: Pay off no-money-down financing debts ASAP, possibly with a home equity loan (HELOC). An HELOC penalizes your score less than revolving credit card balances and financing deals, because consumers are more conscientious about payments. Don’t swap debts lightly, though, since the roof over your head is at risk if you don’t pay what you owe on an HEL.
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...
By law, the 2 major credit bureaus (Equifax and TransUnion) are required to each provide you with one copy of your credit report per year (upon request). Companies like Borrowell (Canada) or Credit Sesame (U.S.) also provide it for free on a monthly basis along with your credit score. Checking your own credit score (and report) does not impact it as it is deemed a “soft inquiry.” 
Once you have your credit reports, read through them completely. If you have a long credit history, your credit reports might be several pages long. Try not to get overwhelmed by all the information you're reading. It's a lot to digest, especially if you're checking your credit report for the first time. Take your time and review your credit report over several days if you need to.
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