Seasoned Tradelines
CREDIT ENHANCEMENT PROGRAM. BOOST YOUR CREDIT SCORE WITH SEASONED TRADE LINES.
If you want to improve your credit score by 40, 60, or more points and take advantage of the benefits a boosted FICO brings, seasoned tradelines are perfect for you. Contact Credit Concierge Services to get your credit boosted now, guaranteed within 60 days or your money back!
As credit specialists we've seen countless credit reports, and can quickly establish how tradelines can help your situation.
We provide specific tradelines for people with every kind of personalized need. Contact us now with no obligation to find out which one is best for you. A seasoned tradeline will boost your score tremendously and very quickly. This will give you the best opportunity for getting approved for the mortgage, auto loan, or unsecured line of credit that you're applying for. Adding trade lines will save you tens of thousands to hundred of thousands of dollars in inflated interest rates.
Knowing when to add the trade line and what kind of trade line is the most crucial part of this unique opportunity. Here at Credit Concierge Services we have mastered this skill of knowing what trade line will best suit your needs at the time and give you maximum results on your credit score. Purchasing seasoned tradelines is part of our credit enhancement program, which differs from our credit repair. Some clients may need credit repair before adding seasoned trade lines to their credit, please call us for a free consultation and lets us help you choose the right program for you.
WHAT IS PIGGYBACKING?
When you've purchased a tradeline from Credit Concierge Services we add you as an authorized user to our revolving credit lines which have years of perfect payment history and low utilization ratios maximizing their credit benefit. Each month the creditor reports this history not only for the primary owner, but also for the authorized users of the account. This is called “credit piggybacking”. About 30% of all credit reports contain at least one authorized user account, so they’re a common part of credit.
Lets us help you choose the right program for you.
NO CREDIT?
Even if you have no credit, tradelines can still help you get to where you need to be. Tradelines are just as effective at establishing new credit as they are for rebuilding old or challenged credit. The payment history of the tradelines starts from when it was originally opened, not when you were added, giving you years of perfect credit history! Combine that great credit history with a low utilization ratio and you can see why credit scores increase so substantially . There is no deception or fraud, creditors and banks, all know that authorized user accounts are an integral part of everyone’s credit. Seasoned trade lines are recognized by the Federal Trade Commission as well as the Fair Issac Corporation as LEGITIMATE tools for building credit.
When any lending or credit agency runs your credit, they’ll get scores from one to three different credit bureaus. Each one reports largely the same information. To weigh their risk, lenders will specifically look at your FICO score, which can range from 300-850. Ideally you want your score to be above 680, or you may be paying higher rates on your loans, if you’re approved at all.
Here at Credit Concierge Services we’ve perfected the means to efficient credit enhancement. This means for the young college student that is breaking out on their own, all the way to the cash rich clients that never have utilized their credit before, this program is perfect for you too. Banks approve loans based off the history of risk and the ability to repay the loan. Having no credit history, or very limited history is known as a thin file or a first time buyer, there are many restrictions as to how much money a bank will loan to a first time buyer or if at all. If you have never used your credit before it is hard for the bank to approve you whether or not you can afford the loan. It can take years to build your credit up to a level that will give you the buying power that you're looking for. By adding seasoned trade lines you will be able to over come this hurdle in 60 days or less and increase the possibility of getting approved for the loan amount you were looking for. Knowing when, how many, and what type of trade lines to add is crucial. Set an appointment with one of our credit specialists to find out what will be best for you.
UNDERSTANDING YOUR CREDIT
- 35% of your score is payment history.
- 30% of your score is based on your debt ratio,which is how much of your current available credit you are using.
- 15% of your score is based on the length of your credit history.
- 10% of your score is based on new credit.
- 10% of your score is based on the variety of the types of credit that you use (revolving, installment, etc).
GETTING STARTED
Once you and your credit consultant have decided exactly what credit lines you’ll need to reach your credit score goals, your consultant will e-mail you an agreement and you can fill out everything you need, to get the process started online in less than five minutes. You should expect to see the tradelines added and reporting on your credit between six and eight weeks after we’ve received your agreement. If you decide to expedite the process, you can begin looking for your lines in as little as three weeks.
This is an absolutely tremendous opportunity that can give you fast, guaranteed results! Contact us now and have one of our professional credit specialists find a seasoned tradeline that can start working for you!
AUTHORIZED USER SEASONED TRADELINE PACKAGES
*All trade lines are minimum 5 years perfect payment history and as much as 20 years perfect payment history. All of our trade lines have less than 1% utilization ratio.
*All trade lines will stay on your credit report for 6 months. This will allow you plenty of time to get your mortgage loan finalized as well as any other loans or credit cards you would like to get approved for while benefitting from a high FICO score.
*All prices include expedite posting! All tradelines will post in 30 days or less!
FAQ
Q. Is purchasing seasoned trade lines legal?
A: A Representative of the Fair Issac Corporation – the company that created the FICO credit scoring system, said at a Congressional hearing that they recognize Authorized User Accounts as legitimate. The value of utilizing AU accounts or seasoned trade lines is that they produce very fast results. -READ MORE-
Following the normal procedures, it would take the average person at least 3 to 5 years to significantly improve their FICO score. This is because trade lines have to “mature” to add points to your credit score. It is also important to add different types of credit to your file; revolving accounts such as credit cards, installment accounts such as payments that do not change every month like a car, or a bedroom set. Trade lines can be purchased for each of those types of accounts. Rebuilding your credit is a very slow process, especially if you start with a score somewhere in the 500′s. Purchasing a trade line will cost you some money, but the pay-off is more than worth the price.
Q: How much do seasoned trade lines cost?
A: Seasoned trade lines can range from $600 to $1300 per line. Every trade line is different in the credit limit amount to utilization ratio. Higher the limit typically means higher the score.
Q: What guarantee do you offer?
A: Many factors affect your credit score, so while we can’t guarantee a specific credit score, we can pull from average that other clients have seen with their credit. Our credit specialists are always conservative, and strive to over-deliver on every promise they make. We do guarantee that your trade lines will post to two out of the three credit bureaus, although 90% of the time they report to all three. In the rare event that they do not post we ask for up to 45 days to replace the trade line, or we will refund your money in full.
Q: Where does my credit score come from?
A: Your credit score is a number that represents your credit dependability. Whenever you purchase goods or borrow money using credit lenders will send details of your payment history to three bureaus: TransUnion, Experian, and Equifax. Then, using a complex formula based on your purchases and payments, your FICO score is created that represents how much risk lenders have by giving you credit.
Q: What is an authorized user seasoned tradeline?
A: An authorized user tradeline is a revolving major credit card line where the credit card owner allows someone else to “piggyback” off of their good credit by adding them as an authorized user of that card. Our tradelines come equipped with years of perfect payment history and extremely low utilization ratios giving them the absolute best score benefit and allowing them to give an extremely high boost to a FICO score for anyone who’s an authorized user of that card. In many cases these tradelines can boost a qualified user’s score by as much as 20, 40, or even 60 points per active tradeline. Anytime you add a high quality revolving account with no debt, your score will go up.
Q: How long does this process take?
A: Once we’ve discussed with you what would be the best fit to get you the results you need we ask just 6 to 8 weeks to see your tradeline reported to your credit. Once the tradeline has been reported you will immediately see your associated credit score increase. If you have a specific timeframe that you must reach we can ensure that your tradeline reports more quickly by expediting the service for a 25% upcharge that will put the tradeline onto your credit within 30 days.
Q: How long will the seasoned tradeline stay on my credit report?
A: Authorized seasoned tradelines are a temporary solution, and our credit specialists will discuss with you if your specific needs require a tradeline. Not all of our clients need a tradeline, and not all seasoned tradeline customers necessarily need credit repair. The average time a tradeline will remain on your credit report is between 3 and 6 months, and if you want immediate results we suggest applying for one now. In the extremely unlikely case that a line is dropped from your credit early we will replace it for no charge to maintain the boost to your credit.
Q: Does this work for everyone?
A: Absolutely, but timing is important. Anytime you add revolving available credit and have no debt you’ll see your score raise whether you have bad credit or not. You can typically expect to see higher increases in your credit score using our tradelines if you have no negative items such as late payments, charge offs, repossessions, or liens that have reported as new delinquencies within the past 2 years. Our credit specialists can discuss with you if getting an authorized seasoned tradeline will help you meet your goals. Knowledge is power, and knowing what kinds of tradelines you need and when to get them to maximize your credit increase is the most important part of this process.
Q: How will i know when my trade line posts?
As part of signing up for our service, we require that you enroll in a credit monitoring service.This service does what is known as a soft pull which does not hurt your credit. This will allow you to check your credit on a monthly basis and verify that the trade lines have posted. We recommend Free Score, Credit Check Total, and Experian. Some of these services will allow you to check up to three times a month, rather then the traditional once a month.
Q: Can you add trade lines to my CPN?
A: Credit Concierge Services does permit the use of CPN'S in our credit repair program nor our credit enhancement. Any attempt to use CPN'S will be flagged and merged in the system causing them to be dissolved. Credit Concierge Services only will provide services on real social security numbers. all SSN are verified.