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Over the past ten years, there has been another alternative that has come out of the weeds for credit providers and lenders to check the creditworthiness of consumers. That alternative is known as VantageScore. VantageScore was born thanks to three major credit bureaus who decided they wanted to create their own proprietary model as an alternative to the popular FICO score. While a number of credit users are starting to see the VantageScore pop up, not all people know how it differs from the FICO score. To make sure you have an understanding of these two scores, we’re here to…

In the digital age, account hacking and identity theft are prevalent. If you aren’t monitoring your credit score already, you’re taking a risk. There are many people and institutions, such as banks, lenders, credit card companies, and employers, who will make credit inquiries on someone to find out about their creditworthiness. It is important to note that there are some credit inquiries that will hurt your credit score, while there are some that won’t have any effect. The question is, How do you know which kinds of inquiries will hurt your score and which ones won’t affect it? Let’s dive…

Your credit score is what tells banks and lenders whether or not they can count on you to make payments. A good credit score is an indicator that you have been financially responsible over time. Unfortunately, credit scores can be quite complex and there is a ton of misinformation out there that leads people to make bad financial decisions in order to boost their scores. Today, we want to take you through five common credit score myths that you should avoid getting sucked into at all costs. You Can Boost Your Credit By Making Tons of Small Payments All payments…

What does it mean to think realistically these days? It’s probably a good idea to start out with what exactly you are trying to be realistic about. You have goals in life. Yes? Yes. Some of these goals are financial. That’s why you are reading a blog about tradelines and what they can do for you. But that’s just a guess on our part. You probably have all kinds of questions, so, like we do with the folks who call us, we’d like to start with the beginning, and the beginning is always a simple question. “What do you want to accomplish…

We had a call recently with someone who wanted to sell tradelines, but had never before worked with them, so it was enlightening to us to have the conversation, where we explained in great detail, what it means to purchase au tradelines. Most companies that are worthy of your business will have a website, and they will have a link where you can see the tradelines in their inventory. Today, we would like to break down each category in turn for our authorized user tradelines. Our company is a common template, so you can apply what we write to pretty much all other tradelines…

“How does this work?” This is the most common question we get at Boost Credit 101. If you aren’t familiar with how tradelines work, then this is the article for you. First off, a “tradeline” is anything that shows on your credit reports. Any account that reports the bureaus is a tradeline. That could mean mortgage, auto loan, student loan, credit cards (or any loan at all). People forget that a credit card is just a potential loan the bank grants you. And your ability to manage that loan is where a majority (up to 60%) of what makes up…

First! What do AU Tradelines Do For Your Credit? Lucky for you, if you mishandle a tradeline, you won’t saw off your foot or end up otherwise grievously wounded like you would with an improperly handled chainsaw. But, you could end up spending money on something you don’t get full value from. When you purchase credit tradelines for sale, what you are doing is adding positive data to your reports with a desire that it will boost your credit. If you understand how credit works, there are six main categories that comprise your credit scores. Those are: Payment History, Revolving…

PART 1 When it comes down to it, you have a lot of choices with tradelines. There are many different lenders to choose from, all big banks with cards that we’ve found to have consistent posting ratios. But is there a difference if you select a Bank of America vs Citi? What is the difference between getting a line to boost credit if it’s USAA vs US Bank? Is there a difference at all? Well, kind of. Here we will break down the difference between some of the different lenders and why we format them the way we do. KNOWING THE DIFFERENCES…