Enoch Omololu is a personal finance enthusiast and a veterinarian. He has a master's degree in Finance and Investment Management from the University of Aberdeen Business School and has a passion for helping others win with their finances. His writing has been featured or quoted in The Globe and Mail, Toronto Star, MSN Money, Financial Post, The Motley Fool and many other personal finance publications. Read more...

As the particular issues involved in each individual case vary from case to case, we cannot guarantee a specific outcome or accurately predict how long it will take. Completion time can be reduced or extended based upon the promptness of the client to forward necessary information and upon the number and circumstances of the issues being disputed on the individual's credit report. Based upon the initial term of this agreement your completion date will be the date of your electronic signature of this agreement (contract).


Rest assured ustradelines.com guarantees that our seasoned authorized user primary tradelines available for sale will post to your credit report. If for some reason an authorized user tradeline does not post to your credit report, we will refund your payment. All our tradelines are extremely reliable and we have never had a tradeline not post to a client’s credit report. We are able to achieve this distinction by testing our tradelines before we present it to the public.
Check your free credit report carefully - it could help you boost your score. Why? It's common for banks, lenders and credit companies to make a mistake. If you spot any accounts that you don't recognize, dates that don't seem to match up, and especially if you see any mention of late payments or penalties, make certain they have been recorded correctly - and don't be afraid to call the company in question for details. After all, it's better to spend a few minutes on the phone clearing something up than leave a mistake on the report that could adversely affect your credit record. That phone call could wind up boosting your credit score - and it really only takes a few minutes of your time.
Concentrate on performance factors: Payment punctuality and credit use levels account for 65% of the scoring equation. That’s why, even if you change nothing else, being an on-time, low-spending Goody Two-shoes for a while will do wonders for your reputation. The blow to your score for any 30- or 60-day late payments in the past year will begin to diminish after you mail the cheque and rectify your wrong. Recovering from a 90-day late payment (a ding that can be as damaging to your score as bankruptcy) will take longer. But it will fade to black eventually, particularly if your more recent payment habits are pristine.
Of course, nothing about this is set in stone or guaranteed. Everyone's credit score is determined by their own unique set of factors, and its those factors that will cause the rate at which your credit score improves. It will also depend on things generally going right for your credit during that time period; you could be doing everything right to pay off a missed mortgage payment, but unforeseen circumstances with a different line of credit could cause your score to dip further.

hi I read over the mock agreement and it seems to detailed as if you guys will be privy to all my personal information I am not allowed to have alerts or security features on my credit or the services will be deemed complete so this leaves me wondering why do you need all my personal info in such detail if I’m only purchasing tradelines? excuse me but this sounds very suspect…..


Brittney Mayer is a credit strategist and contributing editor for BadCredit.org, where she uses her extensive research background to write comprehensive consumer guides aimed at helping readers make educated financial decisions on the path to building better credit. Leveraging her vast knowledge of the financial industry, Brittney’s work can be found on a variety of websites, including the National Foundation for Credit Counseling, US News & World Report, NBC News,TheSimpleDollar.com, CreditRepair.com, Lexington Law, CardRates.com, and CreditCards.com, among others.
By clicking “Improve My Credit” I agree by electronic signature to: (1) be contacted by Lexington Law or the following partners about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

You'll probably have a limited amount of money to put toward credit repair each month. So, you'll have to prioritize where you spend your money. Focus first on accounts that are in danger of becoming past due. Get as many of these accounts current as possible, preferably all of them. Then, work on bringing down your credit card balances. Third are those accounts that have already been charged-off or sent to a collection agency.
At the low end of the spectrum, expect a bare-bones collection of templates and tips for you to go about the process on your own, and maybe some simple calendars. For an attractive user interface, automated reminders, and comprehensive letter generators, you should be prepared to spend at least a few hundred dollars. However, once you pay for the software you own it and are free to use it anytime a future credit repair need arises.
First, the basics: A key component of your score is your credit-utilization ratio—the amount you owe on your credit cards as a proportion of your card limits. Utilization is calculated for individual cards and in the aggregate for all your card accounts. The lower your utilization ratio, the better. According to FICO, consumers with scores of 800 or higher (standard FICO and VantageScore credit scores range from 300 to 850) use an average 7% of their credit limits. 
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