Looking For A Tradeline?
 
What Type Of Tradeline Are Your Looking For?
 
Authorized User Accounts - In July of 2007, FICO Issued an update to their scoring model in an effort to close a loophole that helped many people increase their credit scores by 20 - 100+ points. This update has not yet been implemented, yet but the loophole has been closed.
 
Although the FICO 08 update has not been implemented, the authorized user loophole has been closed. It is actuality the lenders who issue credit that have started denying loans to people who have authorized user accounts on their credit reports! This means that you will not be approved for the loans you are looking for using these obsolete tactics. Are you looking for a higher credit score, or is your goal to obtain a loan of some sort? 99% of people wanting to improve their credit score are trying to get approved for a loan, so why would you just accept a higher credit score without being able to use it? That's like buying a shiny new red car without an engine!
 
Do not let anyone convince you to pay for authorized user accounts, because they will not help you qualify for a loan!
 
Aged Primary Accounts - Now that the "authorized user" loophole has been closed, many companies are trying to convince you that "aged primary accounts" will help your credit score.
 
Here's the truth about aged primary accounts:

• The minute you apply for a loan when using aged primary accounts you are committing fraud. The second you are leave out the "material" fact that the aged primary account is a reflection of your payment history you are lying to the lender and can go to jail!

• Companies that issue aged primary accounts are being aggressively sought after by the credit bureaus. There have already been dozens of aged primary account companies that have been shut down by the credit bureaus, and when these companies get shut down the individuals that have been beneficiaries of the aged" primary accounts have their credit files flagged by the credit bureaus. This "whistle blowing" has resulted in lenders coming back to the borrowers claiming they provided the loans based on a fraudulent application, and demanding their money back. Those customers who can't return the money can get reported to the attorney general for loan fraud!

• Many companies falsely claim to offer aged primary accounts and ultimately deliver authorized user accounts, which as we already discussed are useless.

Sub-Standard Primary Accounts - If a primary account doesn't meet the following minimum standards, the benefit of the account is greatly reduced.

• You must have monthly payments - If you don't have monthly payments you are not building credit, and the likelihood of the company getting closed down increases dramatically.

• They must report to at least 2 credit bureaus - Many lenders, especially mortgage lenders, will pull all three of the major credit bureaus credit reports and base you approval on the "middle" score. This means that if two of the credit bureaus are not improved you won't see a benefit from the sub-standard primary account.

• They must report to the major credit bureaus - Some sub-standard primary accounts claim to report to 2 credit bureaus, but in fact they only report to one major credit bureau (the 2nd credit bureau is not used by lenders to determine approvals for loans).
  

What Can You Do?
 
We offer our clients primary installment and primary revolving accounts. The difference between these accounts is that they are not artificially (aka illegally) aged.
 
Our primary accounts are all new accounts. They require monthly payments and are reported to two major credit bureaus (Experian and TransUnion), and they will help build your credit.
 
PERSONAL PRIMARY INSTALLMENT LINE INFORMATION
PERSONAL PRIMARY REVOLVING LINE INFORMATION
BUSINESS PRIMARY INSTALLMENT LINE INFORMATION