As far as the security freezes, I think you misunderstand the purpose. There is a questionable credit repair technique whereby consumers (not us) falsely claim “identify theft” in order to have accurate negative information removed from their credit report. In order to do this, they fill out a police report and then blast the credit bureaus with fraud alerts and security freezes. When you do this, it prevents authorized user tradelines from reporting. So, if they don’t report, what are you going to do? You’re going to blame us for a failure to deliver. So, instead of reacting and frustrating clients, we tell them, honestly, up-front, that they must remove security freezes and fraud alerts, otherwise we will either not work with them or they are voiding their refund policy. Again, if someone isn’t being up-front with you, they are suspect. https://www.savings.com.au/wp-content/uploads/Credit-limit-increase.jpg

“An account that’s paid in full is a good thing; however, closing an account isn’t something that consumers should automatically do in the hopes that it will positively impact their credit score,” says Nancy Bistritz-Balkan, vice president of communications and consumer education at Equifax. “Having an account with a long history and solid track record of paying bills on time, every time, are the types of responsible habits lenders and creditors look for.” https://i0.wp.com/metro.co.uk/wp-content/uploads/2019/11/Why-is-there-so-much-shame-around-debt-86c2.jpg?quality
Lenders and others usually use your credit report along with additional finance factors to make decisions about the risks they face in lending to you. Having negative information on your credit report or a low credit score could suggest to lenders that you are less likely to pay back your debt as agreed. As a result, they may deny you a loan or charge you higher rates and fees. http://merakicollective.co/wp-content/uploads/2019/04/how-to-improve-your-credit-score-long-does-it-take-100-points-uk-boost-my-reddit-experian.jpg
Obviously, your credit report and credit scores change every single day, as new data appears, and items fall off. The BoostMyScore clients who see a boost to their credit scores from our tradelines typically do not have any new negative information appear in their credit reports at the same time as our tradelines. For this reason, please understand that results may vary, and a boosted credit score cannot be guaranteed. https://dcassetcdn.com/design_img/3369732/700187/700187_18860729_3369732_4b699211_image.png
How to improve credit scores is a simple process of either removing negative items, and/or adding positive data. At Boost Credit 101 we add Authorized User tradelines, which are positive data, and once they post you will receive a credit boost. If you have a poor credit score, you will need to either pay to add positive data, like tradelines, or apply for something secured, and settle back and wait months, if not longer, to apply for something secured. https://static.wixstatic.com/media/975a86_06c0916f1c874ad69667498a5c9360a3.jpg/v1/fill/w_548,h_787,al_c,lg_1,q_85/975a86_06c0916f1c874ad69667498a5c9360a3.webp

I’m trying to build my fico score up to build a home from the ground up I’m appling for a construction loan and I just paid all my bills owed on my credit now I wanna add some primary trade lines to my account and my wife I wanna add some lines to her account also how can you help me because I have spend so much money and no results and getting tired of ripped off https://plr.imgix.net/10602-money-matters-secured-card-rebuilding-credit-2.jpg?ch
If you've already used up your free credit reports for this year, you can order your credit reports directly from the credit bureaus for a fee. The bureaus all offer a three-in-one credit report that lists all three of your credit reports side-by-side. The three-in-one credit report costs more than a single credit report, but less than the combined price of purchasing your three individual credit reports. https://goldenfs.org/wp-content/uploads/2016/09/Tips-to-Raise-Credit-Scores.jpg
You likely have dozens, if not hundreds, of credit scores. That's because a credit score is calculated by applying a mathematical algorithm to the information in one of your three credit reports, and there is no one uniform algorithm employed by all lenders or other financial companies to compute the scores. (Some credit scoring models are very common, like the FICO® Score* , which ranges from 300 to 850.)

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products. https://image.slidesharecdn.com/conqueryourcreditscore6-11-110616091110-phpapp01/95/conquer-your-credit-score-27-728.jpg?cb

Recently one of our customers who was indecisive about purchasing tradelines from us. After several weeks the person finally took a leap of faith and purchased two of our tradelines. He was shocked that we were legitimate and that his score increased by over 100 points. That was not a typo, he was able to increase (boost) his score by over 100 points by only purchasing two tradelines. This is exactly how powerful tradelines can be. https://fairmoney.com/sites/default/files/credit-score.jpg


Tradelines for sale on credit reports: Once you’re added to the tradeline and that we’ve confirmed the reporting, you will be removed. Now, the tradeline listing in your credit report will remain for a very long time. We have no control over this duration. Neither does the cardholder. Neither does the bank. It can last for many, many years. However, we wrote an entire blog post on this specific topic, which you can read here. https://www.thebudgetmom.com/wp-content/uploads/2019/11/How-to-Improve-Your-Bad-Credit-Score-FB-LINK.png
Removing negative accounts: e.g. medical collection, utility collection, repossession, foreclosures, a public record (like judgement), bankruptcy, late payments on revolving or installment accounts is simply cleaning up the mess, but in order to create a positive power curve to boost the credit score, you have to have positive credit references which are revolving tradelines. With adding tradelines, our guarantee is that we will post lines within 60 days, but the average time is two weeks, and usually the longest wait time is 30 days. https://d2m1ym0hr92ajb.cloudfront.net/media/cache/b5/ae/b5ae9c5f34aa2f74340d7e57afbb8979.png
In order for you to add tradelines to your credit report, you must be added as an authorized user prior to the statement date. To understand how long it takes to add tradelines to your credit report, you must be familiar with two concepts: 1) statement dates and 2) report dates. Statement dates are the dates the banks close the billing cycle. Your statement date on a credit card happens every 30 days and this date can fluctuate a few days depending on the number of days in the month. Report dates are the dates on which the tradeline (or credit card) information is reported from the banks and creditors and to the credit bureaus. https://cdn.thepennyhoarder.com/wp-content/uploads/2017/09/29140000/Joseph-Hogue1.jpg
Credit Karma uses TransUnion for their credit scores. Since all scoring models are not the same, my score may have changed in different ways with the other two major credit bureaus, Equifax and Experian. I think it’s also important to stress that you can do exactly as I did to a “T,” but your score still may not change in the exact same manner. Everyone’s score is affected in different ways, even though you may be taking the exact same actions. Sound confusing? Don’t worry, it is. Here are some examples on how this can happen:

A credit report tradeline is simply an industry term to describe a credit account. If you have credit accounts, you therefore have tradelines on your report, and they may come in the form of line of credits, car loans, mortgages, credit cards, and payday advances. Since creditors look at tradelines to determine if you are creditworthy, adding positive tradelines (credit accounts with good repayment history) to your credit report can be very useful in helping you obtain credit. https://ar-invdn-com.akamaized.net/icons/9c80da55d1a6bc1643e7d954ae544491.jpg
A mistake on one of your credit reports could be pulling down your score. Many credit report mistakes result from human error — either by a consumer or by a credit issuer. Examples: Your handwriting or a phone response may be misunderstood, leading to an incorrect name spelling; a creditor may transpose digits in a Social Security number or credit payments to the wrong account. http://i.imgur.com/iFky0CO.png
No one can legally remove accurate and timely negative information from a credit report. You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost. By law: https://thumbor.forbes.com/thumbor/960x0/https%3A%2F%2Fblogs-images.forbes.com%2Folliebarder%2Ffiles%2F2016%2F03%2Fmakibu_on2-1200x675.jpg
If Jane has a history of perfect payments, but forgot to pay her bill one month, her score won’t be affected in nearly the same manner as Megan, who has a long string of late payments on her report. In fact, due to Jane’s great payment record, she may even be able to call up her credit card issuer and explain what happened to see if they will consider not reporting a late payment to the credit bureaus. Megan, on the other hand, won’t likely able to get that removed no matter how hard she tries, given her historical patterns. https://www.rythemortgageguy.com/siteimages/blog/credit-score-800x250.jpg
Unlike credit repair companies, Experian Boost is completely free and can increase your credit scores fast. Credit repair may cost you thousands of dollars and only help fix inaccuracies, which you can do yourself for free. Piggybacking services that add you to a stranger's account are risky and considered deceptive by lenders. Raise your credit scores securely with Experian Boost. https://sales.mysecretcreditfix.com/hosted/images/c8/4340f0f1dc11e890164505cb8c49ea/mscf_3D.png

If you pay a charge-off in full, your credit report will be updated to show the account balance is $0 and the account is paid. The charge-off status will continue to be reported for seven years from the date of charge off. Another option is to settle charge-offs for less than the original balance if the creditor agrees to accept a settlement and cancel the rest of the debt. https://resource-recycling.com/recycling/wp-content/uploads/sites/3/2018/01/Pitch-300x200.jpg
When residents of Orange County buy a tradeline from USTradelines.com, your name, social security number, and date of birth will be added as an authorized user to the tradeline you purchase. When residents of Orange County buy one of our tradelines, the payment history, credit limit, and outstanding balance, and the age of the credit card you are added to, will be included on your credit report while you are an authorized user. Residents of Orange County will be glad to know that all of our tradelines have outstanding balances that are less than 15% of the credit card limit and perfect payment history (no payments have been missed).
A tradeline gathers information by creating an entry to your history for the grantor. The information gathered includes the list of the companies related to your accounts, the dates in which your accounts were opened, the types of accounts that you have, the payment history of your accounts, the owed balances in your accounts, your limits and more.  In this article, we will dig much deeper for you to better understand the reasons why it is wise to buy authorized user trade lines. https://d3t3ozftmdmh3i.cloudfront.net/staging/podcast_uploaded_nologo400/585814/585814-1526269818348-57c33a7eeaa05.jpg
Consider your debt-to-income ratio when opening new credit report tradelines. Some creditors may refuse to extend new credit to you if your debt is too high in comparison to your income, according to their debt-to-income standards. For example, if your monthly debt payments equal more than 33 percent of your monthly income, you may not qualify for additional credit lines. https://www.peerloansonline.com/wp-content/uploads/2018/01/fix-credit-fast-FICO-tips.jpg
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