Get an unsecured or secured credit card if you have bad credit or a limited credit history. A new credit card reporting to the major credit bureaus can help build or rebuild credit history. Never max out new or old credit accounts. Make small monthly charges and pay them off on time or in full each month. Credit scores will increase as long as you keep the balance 10% or less of the available credit limit.
The total amount charged to you will depend on how many items on your credit report(s) you choose to have us correct or have investigated. CRA charges you after an item is deleted/corrected. This payment covers all of the work fully and completely rendered as described in Paragraph 1, CRA's Scope of Services, and section titled "pay for results", "Optional credit services" and "Identity Protection" are due at the completion of each deletion/correction or Optional service completed.

If you are unsure if tradelines are right for you, please do your research first. We don’t want to sell anyone a product they don’t need. Google is very helpful on this subject. We’ve seen scores go up dramatically enough to know they work – and quickly – for the right people. Of course, the more negative items you have on your report, the more there is to overcome. For those with just a few negative items, but not much positive accounts yet, tradelines can make a dramatic difference. Contact us (below) to get a list of tradelines: we offer, you decide – no up-sell (no other products!) and no hard-sell (we have no problem keeping our lines in use).

The debt-to-credit ratio is definitely considered one of the more important factors that help determine consumer credit. This is also why it is not recommended that you close any unused credit card accounts you have as a way to try and raise your credit scores. Doing so will affect your utilization ratio percentage and can actually do more harm than good.


Many people ask about whether the bank will notice if they boosted their credit scores using tradelines. So, let’s think about this logically. Simply because you have one – or several – authorized user tradelines on your credit report should not raise any “red flags” with the bank underwriters. This is because the law protects consumers. It’s also because AU tradelines are extremely common to see in a credit report.


There are a lot of companies as well as random people on the net especially Craigslist that offer tradeline services. Since tradelines are one of the easy ways to improve credit score, anyone who has discovered them has the ability to offer them. After all, it only takes access to someone with credit cards that have good history, limits, and perfect payment histories.
Thanks to the Fair Credit Reporting Act, you have the legal right to dispute errors on your credit report. Unlike reporting tradelines to credit bureaus, which only an approved reporting agency can do, you can contact credit bureaus directly to fix any errors or incomplete information. The Federal Trade Commission has sample letters you can use to dispute incorrect information, and they also make recommendations on how to make sure your request is received and addressed by the bureaus.
Each authorized user account reports monthly. Therefore, it will take approximately 30 days to have the tradeline added. While a tradeline will remain on your report for many years, the impact to your credit score will remain for about 6 months or less. And, it will go down over time. This is because you will be removed as an authorized user. Every month after you were removed, the tradeline will be that much older. Older accounts have less of an impact on your credit than new accounts (this is true for negative and positive information).
Finally, you may wonder why we didn’t mention the time-honored tactic of piggybacking on someone else’s already established good credit as an authorized user or joint account holder. That’s because the suits pulled the plug on this strategy after some businesses began using it in nefarious ways. In other words, the bad guys ruined it for all of us. Still, even though you’re on your own, following the rules above should have you earning your gold star all by yourself in no time.
Make sure that’s not a typo: Don’t assume that negative entry in your credit file is really your fault. Consumer watchdogs report that as many as 80% of credit reports contain errors — and a quarter of the time, those errors are significant enough to cause a FICO score drop of 50 points or more. Be sure to review your official records from the two major credit reporting agencies (Equifax and TransUnion).
Having a good understanding of your credit situation will give you a leg up when it comes to improving your credit score. It can also help ease the stress of applying for auto financing — even if you have a low credit score. At Birchwood Credit Solutions we understand that everyone’s financial situation is different and we do our best to find a car loan that best suits you and your credit. Get in touch with one of our trusted advisors today.
In the event that any part of or all of any one or more of the provisions contained in this Agreement shall for any reason be held to be invalid, illegal or unenforceable in any respect by a court of competent jurisdiction, including binding arbitration, such invalidity, illegality or unenforceability shall not affect any other part of or all of any provision hereof, and this Agreement shall be construed as if such invalid, illegal or unenforceable part or all of the provision or provisions had never been contained herein.
Considering how important credit scores are to your overall financial well-being, it's wise to do everything you can to ensure yours are as good as possible. Regularly checking your credit report and credit scores are the critical first step. When you check your credit score from Experian, you'll see a list of specific factors affecting it. Focusing on those factors first is the best way to start improving your credit scores.
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For home buyers who have no credit history or credit history that is very short there is a solution for you to achieve your goal of becoming a homeowner. Your lack of credit history does not have to spell the end of your goal of becoming a homeowner. The hurdle you face can be overcome by simply buying one or more tradelines. Buying a tradeline allows a person to design their credit report to look exactly like an ideal borrower that lenders seek. UStradelines.com sells several tradelines to enable customers to improve their credit history and FICO scores to achieve their financial goals.
That being said, I’ve heard many people say they’ve tested them all out and they don’t match. I’m not sure why, maybe these companies are lagging behind in getting their scoring numbers. In any case, I usually tell my clients to test out the free ones if they like, but in my opinion it’s easiest to just pay for a one-month subscription for both Equifax and TransUnion, then cancel those subscriptions before they renew (and yes, this is what I do personally as well). This way you get your most accurate score within minutes plus it includes your credit report and suggestions on how to improve your scores too.
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