10 YEARS OF TRADELINE EXPERIENCE IS A FEW PARAGRAPHS.
Ever wish you could extract a decade of information from someone in a very short period of time? Here’s our attempt to boil down everything you need to know about tradelines in a few paragraphs.
FREE STRATEGY SESSION
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@example.com, sign up online or call 866-279-1146.
AUTHORIZED USER TRADELINES
Once we have a thoughtful plan in place, including a tradeline recommendation, we will get to work for you. We will keep you updated while the services are pending. You will be notified when the tradelines hit your report. You will be able to check your new credit score at that time.
IMPROVED CREDIT SCORES
After the tradelines hit your report, you will have a new and improved credit score. At that point, we’d ask you to share the news with a review or social media post. You will be on your way to a better credit future!
TRADELINES STILL WORK.
Adding quality tradelines to your credit report will increase your score, no matter what. However, you should select them wisely. The wrong tradelines will have a minimal impact. The correct tradelines will have a maximum impact. Also, if you have a substantial amount of negative items, the credit score impact is limited. In those cases, you should consider some form of credit repair or debt settlement prior to adding tradelines.
TRADELINES TAKE ABOUT 30 DAYS.
Each authorized user account reports monthly. Therefore, it will take approximately 30 days to have the tradeline added. While a tradeline will remain on your report for many years, the impact to your credit score will remain for about 6 months or less. And, it will go down over time. This is because you will be removed as an authorized user. Every month after you were removed, the tradeline will be that much older. Older accounts have less of an impact on your credit than new accounts (this is true for negative and positive information).
CREDIT PROFILE NUMBERS (CPNS) ARE ILLEGAL.
You cannot – I repeat, you cannot – get a second social security number for the purpose of establishing new credit and leaving your old credit behind. We’ve written 3,055 words on CPNs in one article, which you should read. The same thing applies to ITINs, by the way. Also, you can go to jail for doing so.
THERE'S NO SUCH THING AS CREDIT SWEEPS (OR A CREDIT "HACKER").
There’s no such thing as credit sweeps. To the extent someone is referring to credit repair as a credit sweep, they are misleading you. To the extent someone is actually deleting legitimate information in your credit report, they are breaking the law. Similarly, there’s no such thing as a credit hacker. Stick with tradelines, and you’ll be fine.
THERE'S NO SUCH THING AS PRIMARY TRADELINES*
There’s no such thing as primary tradelines *which you can buy like authorized user accounts. You cannot pay for and be added to an aged (or “seasoned”) primary tradeline because that would be illegal. Stick with authorized user tradelines, and you’ll be fine.
BUY TRADELINES FROM THE BEST COMPANY.
Buying from a legitimate company like Superior Tradelines can save you a lot of trouble. Legitimate products range in price. Keep in mind, you’re really paying for expertise, not a product or service. Searching for “cheap” or inexpensive tradelines is really searching for compromised services.