There’s a story about a holy man in India. He is cornered on a cliff by a pack of tigers. He falls but catches a branch. Below him is a huge drop and sharp trees. Above him are the tigers. And right in front of him, he sees this perfect, red, ripe strawberry. And that’s the end of the story. Does that bother you? It usually bothers people. That’s the point. We want to know what happens next! But does it matter? Not really. And that is, ultimately, the real point. The only things that really matter are the things…

  We talk a lot about the length of time it takes to get things off your credit report, of not falling into the trap of trying to chase after instant gratification--seriously, grab a candy bar it’ll do a similar trick--and we also talk about being realistic. Looking into ways to raise credit score 100 points overnight is really not part of actual reality. You may end up with a 100 point (or more) jump if you do things right, but it won’t be overnight. People call us all day every day asking how they can get into a better…

How You Can Quickly Improve Your Credit Score with Tradelines Let’s see if this scenario sounds familiar. You haven’t looked at your credit for quite some time, and like getting a test you really don’t want to see the score to, you avoid it, hoping that by ignoring it, it will either go away or not matter, but as in all little problems, if you ignore them too long, they can become monsters that hinder your life. Check out our Tradelines for Sale to help improve your score. There are all sorts of resources online that tell you how to…

In a change of pace, we’ll be covering the other side of the coin in this blog. Usually we talk about what buying tradelines can do for you from the purchaser perspective. But...what if you’ve heard people whispering in quiet circles about the benefits of tradelines? Maybe you’ve caught just the word briefly in the air and wondered...hey now, I’ve got perfect credit, how can I get IN on this amazing thing? Here’s the deal, if you’ve got great credit, you’ve likely built it up over a period of years. If you’re in the habit of paying things on time,…

[caption id="attachment_258" align="alignleft" width="300"] Credit and...Pirates![/caption] It’s International Talk Like a Pirate Day, September 19th, 2018! In honor of such a prestigious and momentous event, we wanted to breakdown the origin of the first corporations (pirates!) and give a brief letter of encouragement to all sailors on the sea of life in search of major treasure and fine trinkets (i.e. financial success), as we are currently living in an economic environment that is not friendly to the individual. Wait what? Back when our government was trying to figure out the major fiasco of the 2008 financial crisis and global credit…

  [caption id="attachment_246" align="alignleft" width="300"] With Great Credit, Comes Great Opportunity[/caption] Money is one of the most mysterious things on the planet. It’s the pathway to security, to freedom, to pleasure; it is a festering nuisance because there never seems to be enough of it, or it’s somewhere in between. It’s been around a long time, starting around 9000-6000 BCE when a funky ape named Homo sapiens started domesticating cattle and exerting agricultural control over the environment. In its first iteration, cows and plant products were money, and over millennia it has been salt, rocks, cloth, sticks, gold, silver, paper,…

[caption id="attachment_227" align="alignnone" width="580"] Is “piggybacking” legal[/caption] HOW TO ESTABLISH TRADELINES FOR MY COMPANY A few years ago, the creators of the FICO credit scoring system announced that they would stop including authorized users in the latest version of their FICO 08 scoring model which essentially will place an end to “piggybacking”. The monopoly of credit reporting i.e. Transunion, Equifax and Experian did not consider the Equal Credit Opportunity Act also referred to as Regulation B. They later reversed their decision since it would be incompliant with ECOA and here is what experts have to say: “Fair Isaac, following the…

Credit scores: They determine whether we can buy a home, car and even get student loans. Consumers in general are captive to credit reporting agencies. We expect them to get our payment histories right. For years, FICO (Fair Isaac Corporation) has had a corner on the credit score market. Consumers are not privy to their FICO score and the first sign of a problem is a credit rejection. The rejection reasons for most loans is a low credit score. Over the last decade, a FICO competitor has emerged: Vantage. CAN ADDING TRADELINES OF CREDIT REALLY HELP ME AS MUCH AS…

Tax time is almost here, and lots of people are already preparing their returns. If you have poor credit, you may be thinking about using your tax refund to make improvements. A variety of credit repair strategies exist, so it can be difficult to decide how to approach the problem.  Below is some information to help you decide how to put your tax money to the best use. Ways to Improve your Credit The most common methods used to improve credit include professional credit repair, DIY strategies and investing in tradelines. Professional Credit Repair Professional credit repair companies offer to…

Whether you’ve relocated from another country or want to improve your current credit rating to build a more successful future, there are a number of things you can do. Here are seven of the top steps to take in order to build more solid credit and a sound financial foundation: 1. Timely Payments The most important factor in building or improving credit is a habit of on-time payments. Timeliness counts for a full 35 percent of your credit score, so take it seriously and cultivate this important credit-boosting habit. 2. If You Are An Immigrant Start by knowing that your credit…