Why Buying Trade lines is The Least of Your Worries?

 

And…the case for Credit

If you ever visit Cuba, especially Havana (if you’re going to Cuba, Havana is a must), and you go for a walk during the day, what you might find is that random locals come up to you and ask, “Where are you from?”

Of course…and this is not a stretch…your first instinct may be to either ask (in your head, or out loud), “What do you want?”

But they don’t want anything. They just want to know where you are from, and maybe talk to you. They are that friendly. They don’t know anything about where to buy tradelines. Credit isn’t something they worry about.

In America we assume if someone is talking to us and we don’t know them, they either want something financially, or romantically, from us.

Unfortunately, we aren’t able to dispense dating advice with any expertise, but financially, yes, yes we can. 

It might be annoying to live in a capitalistic culture in certain ways, but in other ways, like our economy, it can be very beneficial. We’ll get to that later. It is a reason why credit should be something you don’t have to worry about.

Take a moment and stop thinking about where to get cheap tradelines for sale, and ask yourself…is my credit messed up? 

And here’s where we have to get real: if your credit is messed up, how many other areas of your life are messed up? People love to complain about the system being unfair, but really…and credit can’t truly tell the story of you as a person, but…in many ways, credit is a measure of how disciplined you are, and how much responsibility you can handle. 

So, as the title says, perhaps achieving seasoned credit or great credit, or whatever it is that you are looking to do, is just one mess that needs dealt with.

BUT

One mess at a time, right ladies and gents? And if you’ve stumbled here, then you are in the right place. We are one of the top tradeline companies in the business.

How do we know that?

Check out our reviews.

If you’ve never heard the term “tradeline” it’s probably better for you to just give us a call. If you think you know all there is to know about credit, probably better give us a call.  Buying trade lines can be confusing…

 …and if you have no idea how credit works…well, we’re going to make it as simple as possible. When it comes right down to it, there are 3 things you need to know.

Buy Seasoned Tradelines: 1 of 3 Simple Factors in a Great Credit Score

If your score is bad or nonexistent, you are suffering from 1 or more of 3 things: lack of data, bad data, not enough good data.

The bad data needs to be removed. Then you put positive data on. Looking into what tradelines for sale we (or someone trustworthy) have is a good idea, but you need to remove the negative data first.

That’s it! Take bad off, put good on. 

Once you have removed the bad data as best you can, you are able to start looking into adding good data, and we have aged tradelines for sale in great variety. 

Once you have the good data put on, then you are ready to start trying to accomplish the goals you set for yourself with lending, be that getting a mortgage, an auto loan, personal lines of credit, business loans, etc. 

Once you have your lending needs accomplished, then you are able to focus on the important things in life, like taking advantage of the ever-rising nature of our economy. Purchasing the best tradelines for sale can get your lending figured out, but it’s when you start to actually build wealth, that’s when that very important number: net worth, begins to rise with the tide of the S&P, or whichever market you are participating in.

One final point, when searching seasoned tradelines for sale, always make sure you understand what you are purchasing. If you have any questions whatsoever about tradelines, we are here to help. 

Is There a Best Seasoned Tradeline Company? 

 

In the world of absolutes, there can be no right answer, as “best” and “most” are entirely subjective. What would it mean to be the best at anything? Isn’t someone or some company that you enlist the services of that delivers a product that exceeds your expectations and allows you to do what you want…a great company, maybe the best? Hard to say. 

If you’re wondering where to buy tradelines, you probably start with Google, or Bing, or Yahoo, whatever search engine fits your fancy. At Boost Credit 101, we’ve been in business nearly 7 years, and we’ve seen the amount of companies offering seasoned tradelines for sale increase from something like 5, to well over 20. So are there ways to find the best one?

Like a lot of businesses offering a product, some of it will come down to personal preference, and we’ll be the first to acknowledge there is something about the way it feels when interacting with the company, but there are certain non-negotiables you should focus on when searching out tradelines for sale

 

Ways to Recognize Top Tradeline Companies

 

We’d be the first to throw our hat in the ring of best all around. Are our prices better? Probably, almost certainly, but it’s our focus on customer service and explanation of our services that continuously garner the most positive feedback from our clients.

Buying trade lines can range from simple to frustrating to maddening. After all, how well do you understand credit? How well do you understand your own credit? It’s yours, so you should understand it, right? Well, don’t feel too bad if you don’t. We all have to take our butts to the doctor when something goes wrong to get our body checked out. 

Sometimes we have to consult experts.

Any time you are looking to get some seasoned credit on your profile via tradelines, the company should start by offering to look at your credit profile for free. There is a bit of a warning here:

 

Be Careful With Your Data When Purchasing Aged Tradelines For Sale

 

A company you do business with should have the following (and make it clear up front).

  • A contract between them and you
  • They hold your money in an escrow account
  • They make clear, exactly, what they guarantee

Any company or person with real tradelines for sale–as in they won’t take your money and disappear–should have these three things at a minimum. Why?

A contract shows you they have actually spent the time to understand the world of credit repair and selling seasoned tradelines of credit. There are legalities involved, even though tradelines are not a regulated industry, which brings us to the second point.

Any company that takes your money in the capacity that they are fixing/improving your credit cannot collect the funds for their services until their services are complete. Recently, a tradeline company was shut down for breaking the law regarding this.

Just to be clear. The company will take money for the tradelines, but they must be held in an escrow account, a special holding account, and then collect the funds from the account upon contract completion.

As for the third point, when you buy seasoned tradelines, there are certain things that should be guaranteed. 

In the case of Boost Credit 101, we guarantee the lines will post to at least two out of the three credit bureaus (which two we cannot say), that the utilization will be below 10%, the line will have perfect payment history, and it will stay on your reports for the duration you pay for. 

Beyond that we cannot guarantee anything.

 Do we have the best tradelines for sale? We would put your experience with us up against any other person or company you purchase, or have purchased from. We have been doing this for a good long while, so we have things fairly smoothed out. 

Sometimes there are issues, but the possibility they occur will always be explained to you. At no point should you be confused about what’s going on with your order. We do our best to take the mystery out of buying trade lines

 

Authorized User – Does It Help to Be One?

 

Authorized User…does it help to be one? 

And!

What are the steps to know when buying? 

 

Recently we’ve had some clients come to us and get very good results with their credit scores, we’re talking low 500’s to mid 700’s. These aren’t rare happenings. 

So does that mean if you buy authorized user accounts you’ll get that mortgage, that car, the big credit cards, the business loans you’re after?

It’s a distinct possibility. We spoke to one woman today who said she had two friends use our services and they both got houses out of it. There’s no doubt au credit lines work, but will they work for you?

It all depends on how you use them. And it is very important to know exactly what you are paying for when you do look into authorized user accounts for sale. If you haven’t looked at your report in years, and you think, craaaaaaap…I’m 37 and I need to buy a house since that’s one of the things you’re supposed to do as an adult (if it’s right for you, go for it!), and you believe you can buy authorized user tradelines that will act as a sort of wand, magically making your credit better…we have some news.

They won’t.

But of course there are exceptions…if your reports are blank for example. But what do you need to do first?

 

Before You Purchase a Boost Credit Rocket Booster (Tradelines): You Must Check Your Reports

 

What’s the first thing that a doctor does with you? Asks you where it hurts, right? Well if you just stare at the doctor and don’t say anything, then the doc isn’t exactly able to help, now is she? 

Before you get au trade lines, you need to know what’s on your credit, that way you know if tradelines will even be a help to you, because there may be actions you need to take before you put them on…[cough] remove the negative items. 

The site that we love to check reports is CreditKarma.com

Why?

Because it’s free, the data is accurate, and it updates every 7 days. 

We are not affiliated with them in any way, but because of these reasons, we recommend starting there. Other sites cost money, or update only once a month, or are just plain bad. Before looking into authorized users for sale, this should be your number one action.

Now what? You’re dying to ask the question, we know…

 

What Do I Do After I Buy Authorized User lines?

 

That depends. What is it for? And the first question you should always ask yourself: if the tradelines drop off, will my credit be right back to where I started?

If that is the case, then you need to get approved for your own credit cards, at least two, and one at an absolute minimum. 

This is how you set yourself for long term success.

How?

You use those cards, and you pay off the balance monthly. Time to develop some self control. 

Is your goal a mortgage? Start talking to a lending officer. A car? Go to a dealership you like. A business loan? Talk to a business banker. The point is this, once the au trade lines post, that is what you pay us for. We cannot get you the mortgage, the car, the funding, because those are different companies, different parts of the country, and we don’t know your finances. 

So here’s the important part: when looking into credit lines for sale, all we can guarantee is the line posting two out of three bureaus, having less than 10% utilization, and they will stay posted for the alotted time you purchased them for. 

The good news is we know they work. We see it all the time, but getting the approval is up to you. 

So the next thing you may be thinking…

 

Yeah That’s All Well and Good, But I’ve Heard of Credit Profiles For Sale

 

So you’re thinking, you’ll get a CPN, and then you’ll put tradelines on that, get a great score, and now you’re ready to get a house, a car, a credit card. 

No. 

You won’t get approved for a house. Underwriters take one look at a CPN and can tell it doesn’t belong to you. They’re trained in how to spot them. 

And if you’re not using your Social Security Number, well, that makes you sneaky. And underwriters don’t like folks trying to be sneaky. 

It’s always better to clean your reports, do it right. You can probably even find tradeline sales

Heck, we know, we run them all the time. We always take your situation into account. We can work with nearly any budget. Does that mean you can buy great lines with $50? No, but you may be able to get access to wholesale trade lines

It never hurts to ask.

What are the Benefits of Seasoned Tradelines in Your Real Actual Life?

 

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 in your life that either help you, or hinder you. If you’re in the market to buy tradelines. There is definitely something hindering you. After all, you looked at your credit. That’s something you only do when you want or need something. So, we’re guessing, there’s something hindering you from being able to accomplish your lending goals. And you’ve heard about tradelines for sale, and you’re wondering, can that help me? 

…and you’re thinking…

Sure, But If I Buy Authorized User Trade Lines Will That Do Anything?

Here we have to go into hypotheticals. Let’s say you have some negatives on your report, some collections. Will you get a boost?

Yes, but not as much as if you remove the negative items before adding tradelines. 

Let’s say you get the negatives all removed, now will tradelines help you? 

Yes, if you don’t have a large amount of revolving debt already. 

If You Buy AU Tradelines, Will That Allow You to Get Approvals for Auto Loans, Mortgages, Business Loans, and the Like?

Yes, but that is where your story continues, because that part is up to you. 

We can’t tell you how to accomplish your lending needs because we are not the lender. 

The lenders working with you determine approvals, but, yes, we see these things done all the time.

But you need primaries, right? What’s the use of getting a paid tradeline if it isn’t primary? Our answer to that is two-fold. 

One: it’s not illegal to buy primary tradelines, but it is illegal to sell them. So, if you buy one, you are doing business with someone who is breaking the law. 

Two: Adding au tradelines allows you to get approved for your own, legal, primary tradeline. 

By getting approved for a credit card in your name, you are building the foundation of your own long-term credit. 

Note: Anyone who says you don’t need to use credit cards [cough, Dave Ramsey] is calling you a low-disciplined fool. Using credit cards responsibly is the best way to have amazing credit. 

Here’s the biggest point we can make.

Buying Authorized User Tradelines Should Be Used, Firstly, to Get You a Credit Card or Two

And, today for a bonus, we will give you an answer to one of the most asked questions we get daily.

Do We Have Credit Tradelines That Post to 3/3 Credit Bureaus?

Do you actually need 3/3 bureaus? It’s definitely nice. It’s nice to have all three bureaus, but if you want to buy a car, get a house, get a credit card, do you really need the line to post on all 3 bureaus?

No, you don’t. 

Here’s why:

Wherever you are in the states, there are lending institutions around you, and nationally that will work with you, that pull only one bureau, and the different lenders pull different bureaus. You will always be able to find a lender that can pull one of the two bureaus with the posted trade line credit.

What about if you want to buy a house? They pull all three bureaus, so you need to have a line, or lines, on all three, right? 

No. Mortgage lenders factor your credit like this: 

They ignore the highest score. They ignore the lowest score. They take the middle score. So if you have a line that posts two out of three, then two of those bureaus are going to be your highest, and your mid score. 

Those are the only ones that matter. 

When perusing personal tradelines for sale, we know it’s tempting to try and figure out which tradelines will post to three out of three. But we can’t predict it. 

We have an idea if you call and ask. We will always select the line that fits your needs best. 

If you’re the holy man hanging on the cliff, you don’t care much about credit, but if you are here, trying to get something done with your life so your story can take an upward turn, but you can’t because of your credit, we implore you, give us a call. 

 

If I Buy Tradelines, Will I Have Excellent Credit? What Does Excellent Look Like?

 

When was the last time you told anyone your credit score? Go ahead, think about it…
…have you thought about it?
If you thought about it, I bet it wasn’t too recent, unless you were bragging to your friends over a drink and that somehow strangely came up. Or you are in the dating game, and you are smart, and you asked what your date’s score was.

Hold that question till around dessert if the date is going that well.
Hopefully it stays going well.

Credit just isn’t something we share too often. If it’s low you are probably not feeling amazing about it, which leads to shame, or if it is amazing and you shout it from the rooftops, you’re a braggart, and a bit strange.

Before we get into how amazing a paid tradeline is for your credit, what does that even look like?

The average credit score across the country is 695.
695!
This is interesting, because with a 695, you should have no trouble getting approvals. You won’t get the best rates, but you will get approvals.

And we have scores and scores of people calling us asking about credit tradelines just trying… scrambling…clawing…to get the minimum of 620 so they can buy a house.
Hold on, am I saying you can purchase a mortgage where you couldn’t before by buying authorized user tradelines?
Yes I am.

Back to excellent credit. The state with the best average is Minnesota, with 709.
Not bad.

But what do you think is excellent? 800, right? With an 800 or above, you are in the top 20% of the nation. But who cares about the averages? It’s your credit that matters. But…you’re wondering, if you add seasoned tradelines to your report, will you get to an 800? Maybe. We’ve seen it, but we can’t guarantee it.
Here’s the good news:

At 760 and up, you won’t get any better rates with a higher score. If you get there, you’re getting the best everything as far as credit goes.

So, the question…

Can You Get a 760 By Grabbing Some Personal Tradelines For Sale?

Maybe. It depends on your situation. This is getting irritating. Sorry. The truth is that every situation, every person, is entirely different. What excellence looks like is completely dependent on you.

Does excellence look like getting a really amazing car? Does it look like having a 40k credit card? Does it look like finally being able to purchase that property you’ve been saving for but juuuuust can’t quite get to the finish line because of your credit?

Are we close? Maybe it’s not anything like this. What excellent looks like to you is…well, that’s you. You define it.
By ordering up some tradelines for sale, we know this, you will be a lot closer, and you will be there faster.
We’re talking months here, maybe even over the year (or more) mark.

We wrote an article recently about whether you needed to spend a lot of money, but just in case you’re thinking, “you tricksters aren’t getting me to spend more time reading a different article entirely”…

Does a Cheap Tradeline Still Work?

Maybe. It depends on your situation. Okay, you’re mad now but listen up, we’re about to save you some anxiety.

Cleaning off the negative marks is the best thing you can do before you add a tradeline.

What are negative marks?

Collections, chargeoffs, bankruptcies. Even inquires (they are not strictly negatives, but they affect your credit. Too many can dive your scores faster than a nuclear submarine).
All of these items can be deleted if you get with the right professional (or know what you’re doing.)

Do we do that?
We do not.
But, we can point you in the direction of someone very good, not expensive, who delivers fast results.

If you do remove the negatives, and in some cases that means the reports are just blank afterward, then you are looking at great results regardless of the tradeline you add.

You may not hit that amazing elite mark of 760, but adding any trade line credit will have outstanding results.

And, as usual, we are always willing to look at your reports to give you the best credit advice around.

Can Tradelines Help My Credit?

 

This is a common question for us.
Do our products help the person on the other end of the line?
In 9 cases out of 10, our tradelines will provide a boost.

Note: people with currently late accounts are the exception.
If you are looking to purchase a tradeline, the best thing you can do is to inform yourself of what it is they do, how they can help out with your specific situation.

Since every situation is different, we have to speak in generalities for the purposes of this article, so this post is like looking up medical advice on Google or Mayo Clinic, though a doctor can get specific to your case.

First off, let’s define what a “tradeline” is.

What are Tradelines On a Credit Report?

 
 

Anything that is on your credit report is a tradeline.
If it’s reporting on your bureaus, it is a tradeline.
But, more specifically: credit cards, mortgages, auto loans, student loans, personal loans, etc…any debt that you are paying on is a tradeline.

Most tradelines for sale are Authorized User trade lines, which are credit card tradelines. There are other tradelines called “primaries,” where you pay someone to put debt, in your name, onto your report, but they are not legal.

Example: Let’s say you find someone who will sell you a primary tradeline, maybe…a jewelry store (or someone who has access to a jewelry store owner), and they put a loan for a purchase on your report, but you didn’t actually purchase any jewelry.

This is falsifying credit data, and is highly illegal.

How Do Tradelines Improve Credit Score?

 
 

Do you monitor your credit? You should. If you don’t, why not? Is looking at your credit report something that scares you?
Most boogeymen arrive in the mail, snail or email, once we grow up. Bills, etc.

The first step in addressing a problem is knowing what’s wrong. Credit reports are not boogeymen, but they can be scary, better to shine a light on them, like looking under the bed, and the more you know and look, the less scary they are.

If you do monitor your credit, you likely have a login to a site like Credit Karma.

Most sites will give you a breakdown of what comprises your credit score. And here we’ll show how tradelines are the best way to raise your credit score.

There are six main categories for credit: payment history, credit card utilization, credit age, total accounts, inquiries, and derogatory marks. The last two are things that can only hurt you, not help. When you buy authorized user tradelines, the 4 categories of your credit that help you are boosted.

In another article we can break down the amount each category affects, but for simplicity’s sake, you now know that 4/6 categories that comprise your credit…tradelines help with.

Note: we see people all the time who have gotten friends or relatives to add them to their credit cards because they think getting that AU history will help, but in most cases it does not because of missed payments, overutilization, or being too young.

If you know someone with good lines, you can go to them, but it’s likely you’ll be looking to purchase au tradelines online.

What are the Best Tradelines?

 
 
Everyone seems to want the lines with the big giant limit, but usually that is not necessary. The best lines are the ones that fit your particular situation best. Do you have a few open accounts and your average history is around the 2 to 3 year mark? The best lines for you are going to be the ones that add the most history to your average.
That’s how you experience a good credit score raise.

Perhaps you are looking to get approved for a large limit credit card, a larger limit tradeline may help with that. We don’t guarantee it, but we see large(r) limits approved all the time.

The best part about getting approved for your own good credit cards is that…you are essentially learning how to build your own tradelines.

If you get approved with a good lender, say Discover, or Capital One, and you have a decent limit, then, with time, you may be approaching us and asking for a commission schedule.

We have cardholders with so many cards they don’t know what to do with them, might as well get paid.

Do I Have to Break the Bank When I Buy Authorized User Tradelines?

 

Everyone is always looking for a great deal. There’s something really satisfying about not paying full price when all the other suckers do. Right? Discounts are the way to go, SALES, Black Friday, Cyber Monday, End of the Season, etc. If you’re trying to get tradelines for sale, the most important thing to know is your budget. How much are you willing to spend? What do you get if you say “Money is no object?” vs “I need to buy cheap tradelines.” 

 

Note: If you say “What’s your cheapest tradeline?” it’s a dead giveaway that you aren’t too concerned with actually getting your credit fixed.

 

Okay, so there’s a range of prices, but what are you getting at the extremes: expensive vs. cheap?

 

Cheap Tradelines

 

There’s a very famous capitalistic saying, “You get what you pay for.” Now, with tradelines, this is usually quite true. In a real-world scenario, if a person has a fair number of accounts: auto loans, mortgages, student loans, credit cards…that creates a lot of history. The more accounts you have, the harder it is to raise the average history (a major factor in your overall score). 

Let’s say we add our (currently) cheapest line:

 

A $2.5K TD Bank with 2 years 6 months

 

Example: 10 open accounts, average history 3.5 years.

For a little quick math, to show how the average is produced, we take 3.5 X 10 = 35.

There are 35 years of total history with all those open accounts added together. 

The average is figured by dividing that total number of years, with the number of accounts, which gives us 3.5 years.

 

So let’s take that TD Bank and add it to this profile. 35 + 2.6 = 37.6 total years now, then 37.6 ÷ 11 (now we need to add in the extra account) = 3.42

 

In this example, the TD Bank actually lowered the average history.

WE DO NOT WANT THAT

 

But…that doesn’t mean cheap tradelines for sale are never a good idea! 

 

If we take that same line, and put it on a blank profile, then the average history, usage, and payment history of that TD Bank becomes those categories. So: 

 

Average history: 2.6 years

Utilization: whatever is on the line, let’s say $5, so .002%

Payment History: Perfect

 

On a blank profile, this card will generate very good scores.

 

So, we see that you don’t always want to buy tradelines cheap, but there are great scenarios where they are warranted: blank credit profiles, profiles with very young average history, profiles with only a few new accounts, etc

 

Expensive Tradelines – Best Tradelines for Sale?

 

Just because a tradeline is very expensive, doesn’t mean it’s the best one for you

We get people asking all the time, “What is the line that will give me the best score?” 

If you put the most expensive line on, you will get the best results, but that doesn’t mean you need that line. Adding Authorized User Trade lines is not an exact science. 

That said, if you put the biggest history we have (currently a 42 year old line), then your history will be very impacted. 

 

If money really were no object, and your goal was BOOST CREDIT SCORE NOW! This line would be the best. But in most cases, it’s overkill. You only need an average history of 7 years to be in the excellent range.

 

Conclusion: Credit Tradelines For Sale = Unique Opportunity Dependent on Individual

 

Your credit report is as unique as you are. It’s your financial DNA. If you’ve been alive for a bit, you could probably look at your reports and smile (or grimace) at the memories it brings up. 

We always offer to look at your reports to tell you what is best for you. Will that mean tradelines for cheap

 

Sometimes

 

It also depends on how badly you want to get great credit. If you go the traditional routes, it may take a fair bit, 6 months to a year, or longer, to get those great scores. Authorized user accounts for sale give you that one thing no one can ever really sell you: time. 

 

If you need more than a single line, then your budget should be somewhere between $600-$1500. If you need just one, then you could be looking in the under $500 range. How much is getting what you want done, and quickly…worth to you? 

 

Do I Need Tradelines to Get an 800 Credit Score?

 

Everyone wants an 800 score. We get calls every day with people saying they want to be at 800.

We always try to be polite.

But the truth is, 800 credit scores are for people who pay their credit perfectly, for a long time (think years), on all the various types–revolving (credit cards, HELOCs, installment (student loans, mortgage, auto loans, etc)–and they likely have a lot of those types. 

But…here’s some good news, you won’t get any better rates at 800 than you will at 760. 760 is considered an elite score, and once you reach it, you get no benefit from going beyond it.

This is like in the movie “Armageddon”–Bruce Willis, Ben Affleck…very cheesy, but very entertaining–where a crew of oil drillers and astronauts must dig to 800 feet in order to detonate a bomb to blow up a giant asteroid hurtling toward Earth. They need to get to 800, but anything beyond is unnecessary. 

Think of your credit as that 800 feet mark, but, you only need to reach 760.

So, for that 760, do you need to add tradelines

And the answer is…maybe.

 

Who Should Buy Authorized User Tradelines?

 

Everyone. Okay just kidding. 

Here is who should not buy them: anyone with excessive negative marks (collections, chargeoffs, etc), huge amounts of inquiries, overutilized cards, loans/lines with very recent missed payments, or currently late accounts.

Do any of these apply to you? Then you should not buy authorized user trade lines

The good news: most of these are fixable. If you’re late on anything, get current. 

That should be your NUMBER ONE priority. 

Negatives can be cleaned–and we highly recommend going the professional route for this, as paying off a collection usually means it stays on there, paid, but still there, like an unsightly scar. It’s healed, but it looks funky (and does affect your credit).

Adding au tradelines has taken on this mythical role of automatically boosting scores by 100-150 or more points. It doesn’t work like that. 

 

How Does Adding Authorized User Trade Lines Help Your Score?

 

There are all kinds of graphs, sites, and blogs dedicated to how your FICO score is calculated, but in actuality we only have a vague clue. FICO algorithms are like that BBQ sauce you love. You can likely pick out most of the ingredients, but there are things in there the chef will never reveal. 

Where do you think the term “secret sauce” comes from?

FICO is the secret sauce of the credit industry.

 

That said, here’s a brief breakdown:

Payment History: 35%

Revolving Utilization: 30%

Credit Age: 15%

New Activity (inquiries): 15%

Credit Mix: 10%

 

If you’re thinking of buying authorized user tradelines, this is where you want to pay attention. Those first two categories make up 65%, nearly s of your score. That is mainly related to credit cards–if you’re late on your auto loan or mortgage then you have other issues needing addressed–and credit card data is exactly what you get when you buy au tradelines

The people who should buy this data are those looking to start building their credit (new/wiped profiles), and people with none of the major issues affecting their credit who need a boost. 

 

Where Can You Find These Authorized User Accounts for Sale?

 

Right here. That’s why you’re here isn’t it? Or maybe you got linked to this article because it is so amazing. Either way, right here. You do not want to go looking Craigslist for personal tradelines for sale

 

You want to find a reputable company. What makes us/them reputable? 

They have the ability to leave reviews. 

They have contracts. 

They keep your money in an escrow account until the contract is completed. 

They let you know what is guaranteed.

They don’t promise the moon.

 

This last one is important. You may find people or “companies” that offer tradelines under $100. But that should raise all kinds of red flags. You might find someone who knows someone who will add you to their credit cards, but companies do not charge these kinds of prices. 

There are commissions, advertising, website fees…all the costs of a business. Anyone offering an authorized user for sale for that cheap is a scammer unless you know otherwise. 

How to Find the Best Tradeline Companies

 

Recently we did an article talking about a major credit repair firm and how their whole operation was slapped with an injunction by the FTC. Needless to say, that company is not among the kind of companies you want to work with. If you want to piggyback off of someone else’s credit, you can either find someone who has a great card or pays a company to place you on one. We’ll get into what makes a great tradeline company in a bit, but first, what do you need to know to find a good tradeline if you do find a good company?

Why Buy Seasoned Tradelines?

Tradelines–in the case of Boost Credit 101 (and most tradeline companies)–mean Authorized User spots for sale on revolving credit cards. There are six main categories that make up your credit: revolving utilization, total accounts, payment history, the average age of total credit, derogatory marks, and inquiries. 

The last two are things that take away from your scores. 

The first four all help, and all four are affected by adding tradelines. This is why we see jumps of 100-150 points (and sometimes more). But how long do you get them, is it even worth it?

How long do tradelines stay on your credit?

Every company is different, but the lines will stay on for at least one cycle, which is 25-31 days. All of our tradelines are a minimum of 2 cycles, which is 45-60 days, and we also have lines that stay on for 3 and 4 cycles. If you are doing a mortgage, these longer-cycle lines are ideal, as mortgage loans can take several months. 

If you’re looking to get something like credit cards, auto loans, personal loans, or business loans, these things don’t take quite as long, but in our experience, things usually take a bit longer than expected–maybe you have some things you need to be removed, maybe you need to add another line, or pay off some of your existing balances–and that’s why we have 2-cycle-minimum lines. 

How to Add Tradelines to Your Credit

We get this question frequently, “Do I need to do anything to get the line to post?” Usually, our answer is, nope. A good company will explain everything upfront. All you have to do when you make a purchase is: pick your line (ask us, we can always tell what is best for you), sign a contract, and make a payment. Once that is done, we notify the cardholder of your order, provide your information, the cardholder adds you as an Authorized User, and the lender submits the data to the credit bureaus. If you do things right, you can experience incredible boosts to your scores. 

The other question we get is, how can I make the payment, do I check out on the website, is it like Amazon? 

How to Purchase a Tradeline

We do have a check-out feature on the site, but usually, we want to speak to customers before they do. We live in a world where convenience is king…the problem with this is that most times people don’t fully understand what they are buying.

This is okay, as credit itself isn’t exactly a bowl full of Fruit Loops–or whatever it is that you can imagine that’s amazing that goes into a bowl (but Fruit Loops are pretty awesome)–and we don’t get educated on this very important thing by anything but our own ambition. 

We ask that you please call us if you have any questions at all. We actually like looking at credit reports. For us, it’s a bit like fishing, every time we open a new report, we see something new, some new issue or problem we get to try and help fix/assist.

Conclusion

You won’t find anyone on the streets shouting “Tradelines for Sale 2019”. And if you did, would you trust them at all? That person would probably be locked up for mental evaluation at the least. The best tradeline companies are online (NOT Craigslist), and will fully disclose what you are buying, what you are guaranteed. They will have contracts, the ability to leave reviews online, and they will hold your money in escrow until contractual completion. If you are talking to a company that has all these things, by all means proceed, but watch out if they offer tradelines for $50 or some bottom of the barrel price. 

Those kinds of prices are the definite signifier of a scam. 

 

Can You Add Tradelines to Your Credit Report Yourself?

 

Tradelines, those magical things that can turn your lowdown, slimy frog of a credit score into a princely number worthy of the best rates on whatever it is you would want to get lending on. But how do you get them? Are you trying to find out how to add tradelines to your credit report yourself, or are you well in your search and believe you must pay to add tradelines to your report? First off, can you add them yourself? Not really, not unless you get approved for cards in your name. That is the only way you can add them yourself. If you have a friend or a relative or a spouse who has a credit card, can they add you? Yes, they can, but you want to be very careful with this. Most people with credit cards use them fairly frequently, so you run the risk at any time of that tradeline being overutilized, which can drop your credit faster than a torpedo impacting on a submarine at depth, and if there is a single missed payment on that card? Same thing. Is it brand new? For example:

 

Same thing. New accounts lessen your average history, the lower your average history, the lower your scores. If you only have a few accounts open, then you’re back being the aforementioned submarine and its torpedo nemesis.

 

But, we have good news, we can tell you how to add tradelines to your credit report. And that is to get with a company you can trust that has contracts in place with people who rent out their credit history. Because let’s face it, can you trust your friends, your family, your spouse? Sure, we hope so at least, but even people we trust and love make mistakes, and those mistakes can cost us. What is more trustworthy is people who handle business, and nobody is more motivated to keep things straight than people who get paid for it. We cover this all the time, but companies with tradelines for sale are really the best way to add data to your report that doesn’t actually belong to you, but which kind of tradelines should you add? Some companies have primary lines, with mortgage tradelines, auto tradelines for sale, things like that, but those companies are engaging in fraud. It is not legal to take someone else’s debt and say that it belongs to you.

 

The only legal way to add credit to your report is with authorized user tradelines. These are the tradelines we utilize and have had success with for over five years now. We have customers that have gotten mortgages, bought cars, achieved high limit credit credit cards on their first applications. Are these results rare? They are not. If you have a solid game plan with tradelines you can achieve similar results, and having a solid game plan starts with realizing what it is exactly that tradelines can do.

 

When you apply for credit there are two factors: your credit score, and your income. If you have a perfect 800 score but make $10,000 a year, you likely won’t be buying a home or a car any time soon. If you make $95,000 a year but have a 450 credit score across all three bureaus, you won’t be getting any approvals either. The income part is up to you, but the credit part we can help with.

 

The first thing to do is to prepare your reports for the tradelines. Have you ever seen an Olympic runner before a race? What are they doing? Are they sitting still drinking milk and eating cookies? No, they are stretching, they are warming up. Preparation is a huge part of doing anything right, and so must your reports be prepared for the tradelines. This means cleaning the negatives off, and when that is done, the reports are ready for tradelines to be added. Once the tradelines go on, your scores will rocket up if you’ve done everything right. We see jumps of over 150 points at times. Are those common? Perhaps not exceptionally so, but the lower the scores, the more room they have to jump.

Anything above a 760 does not matter for getting the best rates.

 

These are scores that everyone would want, but unless you want to brag to your friends at the bar, or you are trying to boast to that girl or boy you’re trying to impress, above 760 won’t be anything but bragging rights. And…just in case you’re wondering how to get that score, because we get people who tell us they want an 800 (or better) score all the time, you get it by paying multiple different types of credit perfectly for years and years, and years. So, if you aren’t on that path, best to start out now.