What is the process?
***IF YOU NEED HELP WITH CHOOSING A TRADELINE(S) PLEASE EMAIL US YOUR USER NAME AND PASSWORD FOR CREDIT KARMA TO SUPPORT@FIRSTCLASSTRADELINES.COM (we need to see your credit) INCLUDE YOUR NAME IN THE SUBJECT
1. Go to Buy Tradelines and click on the link to view our tradeline list. Find a tradeline(s) you are interested in (look at the statement date, tradelines usually post 7-14 days after the statement date)
2. Make sure that you are choosing a tradeline around 7 days before the statement date to isure that it does not skip the next posting date. In other words if the statement date is the 7th you need to purchase by the 1st to make sure it gets o your credit report this cycle.
3. Scroll down our list to see the jotforms link, copy and paste that in your browser to place your order
4. You will receive a follow up email about your purchase. (physical proof of id and social may be needed for certain tradelines)
5. We will take it from here. Sit back and watch your score increase!
We will connect you with a tradeline(s) as an authorized user for 2-3 months (or for however long you need it) You are renting credit! The positive payment history and credit limit of that account raises your credit score! Essentially, you're piggybacking credit.
How much will a tradeline increase my score?
We can not tell you how much your credit score will increase.
Although there are many aspects involved, three key factors that influence the extent of credit score increase include:
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More credit cards added to your credit report produce a bigger boost.
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Fewer credit cards showing open in your current credit report will lead to a bigger boost.
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More valuable credit cards with higher limits and longer histories added to your credit report produce a bigger boost.
In short, you only want to add tradelines that are superior in age and credit limit to what you currently have in your credit report.
If you currently have high utilization, higher-limit tradelines may help with your overall utilization ratios.
You should also know what your average age of accounts currently is. You only want to add tradelines that can increase your average age of accounts in a meaningful way.
While we do not offer any guarantees on specific results, we do guarantee that your tradelines will report on your credit report. Since everyone’s credit report is so unique, it is up to you to use the knowledge and tools we provide so that you can determine which tradelines would be best for you.
Which Tradelines should I buy?
How many tradelines do I need?
Derogatory accounts need to be outweighed by positive accounts, so one's credit report should contain at least 2-3 positive tradelines for every negative account. Therefore, multiple tradelines may be necessary to balance out derogatory accounts damaging ones credit.
What happens after the tradeline is removed?
Typically, an authorized user will be active on the tradeline for two reporting cycles, unless you ask for an extension.
After the authorized user is removed and the tradeline appears as closed, it will still remain as part of the authorized user’s permanent credit history for as long as the bank continues to report the tradeline, which can be up to 10 years.
What if my tradeline(s) do not post?
We guarantee that your tradeline will post to at least 1 out of 3 credit bureaus. If it does not post you will receive a full refund. Tradelines will sometime skip a billing cycle so a refund can not be issued until 10 days after the second billing cycel. We would just need to see the credit report to verify.