Hey Elisha, you sound like a good candidate for tradelines. Please call us at 800-431-4741 or email us at [email protected] (or just go to https://superiortradelines.com/start/ to get started) so that we can review your report and determine whether or not tradelines will help. Based on your scores (assuming they’re from a legitimate source), I’d say you’re in good shape.
Step 1: Tell the credit reporting company, in writing, what information you think is inaccurate. Use our sample letter to help write your own. Include copies (NOT originals) of any documents that support your position. In addition to including your complete name and address, your letter should identify each item in your report that you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, “return receipt requested,” so you can document that the credit reporting company got it. Keep copies of your dispute letter and enclosures.
You have the right to review your credit report at no charge if a request is made to the credit bureau within thirty days after receipt by you of notice that credit has been denied. If such request is not made within the allotted time, the credit bureau must provide the approximate charge to you for a copy of your credit report for your review (For MD residents, a maximum fee of $5 may be charged). Federal Fair Credit Reporting Act (15 U.S.C. § 1681j)
I would disagree with this option, as a credit analyst its my job to investigate credit and determine customer eligibility for loans etc... typically creditors do not look for a card thats been used 1 time for $15 then never used again this kind of credit is disregarded and or not taken seriously. When we look to approve a consumer we look at several factors and what that makes a large impact is how they make their payments, the balance currently on all their revolving and installments and the history of payments. if you only charge a tiny amount and pay it off its going to show no history and therefore not be a heavy influence. in fact if you can handle it it is good to sometimes charge the card near max but then pay it off super fast. yes this well temp drop score however. it will show creditor your applying for that you can handle larger amounts and that you pay them down good and fast. 
"I have to admit i didn't really know much about my score and didn't look much into how it was affecting my daily life until i needed to make a huge purchase and could not. That's when a friend told me how easy it was to have you help her out. My scores has gone up with just a removal of tax liens! I'm sure you won't be disappointed, their disputing letters work!"
Tradelines for sale at the bank: Contractually, we guarantee 1 reporting cycle. This means you will be added as an authorized user, we will verify that it has reported to your credit report. Once it has reported, we will instruct the primary cardholder to remove you. This usually happens within 30 days. Sometimes it takes two cycles. So, the answer is that you will be actively listed as the authorized user for 30 to 60 days.
Enter Your ReplyI have spent a lot of time online looking for a way i could get my credit score increased have tried a lot of sites online and none really worked out, a friend introduce me to this guy COMPUTERSPYEXPERTS, he helped me clean my report and help me fix my credit score,it was stealth and neat with no trace he is a professional to the core and the best i have seen at fixing credit score and hacking into IRS database to clear tax unpaid. get him on ([email protected] COM), (8 5 9) 7 8 0 - 3 7 7 9
Take out a secured credit card from a credit union. With Most banks you will need 300-500 to start. After you receive your card charge $15-$20 at the most. When you get the bill in, pay it by or before the due. DO NOT PAY LATE!! Do this a few times and your credit should jump about 20-30 points. When your credit goes up to where you want, you can take out the money from your secure credit card. DO NOT CANCEL YOUR ACCOUNT OR YOU WILL LOSE YOUR CREDIT. (SHRED THE CARD INSTEAD) Hope this helps. God Bless 
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Most credit counselors offer services through local offices, online, or on the phone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.
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...
I’d like to share my story too. Just a few weeks ago i was homeless, i was jilted by my online lover. and he had robbed me of everything i had. By the time i realized i was being played, my credit score was already 458 , i had an eviction on my report and a large debt on my credit. I was on my way to the little corner behind the store where i normally sleep when i saw a fellow homeless person who i met some days ago and he was looking so changed and successful. I immediately began to beg him to tell me how he made it so fast and because i had told him my story when we previously met, he understood my problem and gave me the contact of the hacker that helped him. i contacted the programmer (ex FICO and Experian agent) and he fixed my credit, remove bankruptcy permanetly , collection, raised my credit score and cleared all negative listings on my credit in less than 9 days. I would have kept quiet about this, but i won't be able to forgive myself for not helping people who are in terrible conditions like i was.'' besthacker0509 @ gmail . com '' is the programmer's email address. I wish you good-luck. Y’all can thank me later.
That's very commendable of you to handle your daughter's financial problems that way.  I used to be employed as a loan officer in finance, but things have changed so much in the last 20-30 years.  I accomplished something very similar to her situation, but I started in the fair range on scoring.  I raised mine 204 points in less than 9 months.  Thanks for passing along this great advice and experience.

You, the buyer, may cancel this contract without penalty or obligation at any time before midnight of the 5th day after the date on which you signed the contract. Company will not perform any credit repair services on behalf of the Client before the end of the fifth business day period beginning on the date the contract is signed. See the attached notice of cancellation form for an explanation of this right.
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.
We listen to you, evaluate your credit goals and review your current credit situation. We do this on a one-on-one basis and we do it for free. This is the most important part of the tradeline process and anyone who skips it cannot possibly have your best interest at heart. To get started, you can: Email [email protected], sign up online or call 800-431-4841.
You have the right to dispute any information in your credit report that's inaccurate, incomplete, or you believe can't be verified. When you order your credit report, you'll receive instructions on how to dispute credit report information. Credit reports ordered online typically come with instructions for making disputes online, but you can also make disputes over the phone and through the mail.
Is your credit score below 760? That’s the score at which you are likely to get the best interest rates on a mortgage. If you’re not interested in buying a home but need to rent a new apartment, it will still be a challenge if your credit score is below 600-650 (higher for more expensive units), regardless of your income. In some cases, even your job may depend on maintaining good credit! While only time and good credit habits will boost your credit score dramatically, if you are close to your desired level, there are some things you can do now to improve your credit score over a period of a few months.
You, the buyer, may cancel this contract without penalty or obligation at any time before midnight of the 5th day after the date on which you signed the contract. Company will not perform any credit repair services on behalf of the Client before the end of the fifth business day period beginning on the date the contract is signed. See the attached notice of cancellation form for an explanation of this right.
There are many good reasons to know your credit score—it shows you where your credit stands at any one time and it’s a quick way to keep up with your credit health, among other benefits. Just know you’re not entitled to it free of charge at annualcreditreport.com. Whether you can get free scores somewhere else or how much you’d pay depends on the score, seller and a lot of other details.
Credit age (how long your accounts have been open) has a moderate impact on your credit score. Lenders generally want to see that you have at least three open and available sources of credit, where you are current on your payments. The longer you’ve had your account open in good standing the better. Keeping accounts open maintains your credit age and, as mentioned, helps with credit utilization.
After being added as an authorized user the credit card company reports this to the credit reporting agencies. After its been reported to the bureaus they will place the good credit information or your credit files. Once reported your scores rise immediately, our accounts give you age, high limits and perfect payment histories. This method has helped thousands get approved for credit with good credit instead of buying a home with bad credit. Learn to increase your credit scores. This lowers your down payment and speed up approval you should check out our bad credit home buyers program.
Never close unused or old credit card accounts. Closing an older credit card account may actually lower your credit scores. Once a you close an old credit card account your credit history will appear shorter. The length of your credit history accounts for 15% of your credit score. It is better to keep the account open and not use it or just use it infrequently. A long credit history helps your credit scores.
Most people don't put much thought into their credit scores until the time comes to apply for a loan. If you expect to need financing in the next few months and aren't convinced your credit score is high enough to get you approved, you'll need to act quickly to improve your chances. Thankfully, there are several things you can do to boost your credit score in record time.
Wow, that’s such an awesome question. Okay, first of all… why do you need credit? Are you doing something business related? Are you trying to buy a car? …trying to buy a house? Once we know the answer to that, then we look at your credit situation to determine how to get from where you are to where you want to go (and if tradelines can help). In your situation, you have what some call “juvenile” credit (meaning, it’s young relative to your age). In those situations, tradelines can drastically effect your overall credit score, because you can “back date” cards, such as putting on cards opened around your 18th birthday. Also, we can add lines consistent with your income so scoring models (like FICI) take you out of lower “score cards.” Undoubtedly, your scores will increase by adding tradelines. However, depending on your goal, the increase may or may not be worth it (we are goal oriented, at Superior Tradelines). So, for a more detailed answer that applies to your specific situation, you have to give us a call at 800-431-4171 or get started here: https://superiortradelines.com/start/
Another major contributing factor is my perfect track record of on time payments. According to Credit Karma, I have a 100% record of consistent, on-time payments. I manage to never miss a payment by maintaining my own personal ”˜bills’ calendar, which tells me when all of my bills are due. I even set reminders one week early to allow room for any mistakes.
The credit utilization ratio is another important number in credit score calculations. It is calculated by adding all your credit card balances at any given time and dividing that amount by your total credit limit. For example, if you typically charge about $2,000 each month and your total credit limit across all your cards is $10,000, your utilization ratio is 20%.
If you’ve never had a credit card before, your scores may be suffering because of that account mix factor we talked about earlier. Just make sure you make on-time payments — a new credit card account with a bad payment history will hurt you, not help you improve your credit scores. If you have a fair, good or excellent credit score, there are many credit card options out there for you. If you have a poor or bad credit score, read the next tip.
I applied for a home loan - wasn't approved - the loan company works with people with subpar credit though.  She gave me list of action items that needed to be done. She figured it would take me about a year to take care of it all. Gave me a deadline of 1 year out.  I sat down did all her action items in a week - waited 30 days, credit jumped to 620. She got an approval on a home loan but it wasn't ideal.  Waited another 30 days, credit was 651... she said we could get an ideal approval with a credit score of 640.  I don't know how, but I was so happy. signed on house at 3 months instead of 1 year. The loan officer couldn't believe it!  I now own my home, have lived in it for over a year.  Love my house!
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A question that always tends to rear its head is “how do I quickly improve my credit score by several hundred points?” While you can’t increase your credit score tomorrow, it is possible to turn your credit around in a relatively short amount of time — usually give or take one year depending on the health of a person’s current score. Showing you can be diligent about your spending and debt repayments will go a long way in convincing lenders you are a low-risk customer.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
By the way, don’t use a credit card for a big bill if you plan to carry a balance. The compound interest will create an ugly pile of debt pretty quickly. Credit cards should never be used as a long-term loan unless you have a card with a zero percent introductory APR on purchases. Even then, you have to be mindful of the balance on the card and make sure you can pay the bill off before the intro period ends.
Laura Adams received an MBA from the University of Florida. She's an award-winning personal finance author, speaker, and consumer advocate who is a trusted and frequent source for the national media. Her book, Debt-Free Blueprint: How to Get Out of Debt and Build a Financial Life You Love was an Amazon #1 New Release. Do you have a money question? Call the Money Girl listener line at 302-364-0308. Your question could be featured on the show. 
Kenneth, Thanks for reaching out to us! I always recommend addressing negative content before engaging in tradeline services. That being said, the specifics of the negative content on the reports can make things murky (i.e. collections that are reporting as paid, charge off accounts reporting as settled, etc.). Check out the post on our forum for some insight: https://superiortradelines.com/forum/credit-repair-before-tradelines/ (especially before purchasing tradelines for sale). Give me a call at 407-476-1357 to discuss further, or email me at [email protected] so that we can figure out what would be the best approach for you and your credit goals.

A question that always tends to rear its head is “how do I quickly improve my credit score by several hundred points?” While you can’t increase your credit score tomorrow, it is possible to turn your credit around in a relatively short amount of time — usually give or take one year depending on the health of a person’s current score. Showing you can be diligent about your spending and debt repayments will go a long way in convincing lenders you are a low-risk customer.
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.
That's very commendable of you to handle your daughter's financial problems that way.  I used to be employed as a loan officer in finance, but things have changed so much in the last 20-30 years.  I accomplished something very similar to her situation, but I started in the fair range on scoring.  I raised mine 204 points in less than 9 months.  Thanks for passing along this great advice and experience.
You might also be able to ask for a “good-will adjustment.” Suppose you were a pretty good Visa customer until that period of unemployment, when you made a late payment or two – which now show up on your credit report. Write a letter to Visa emphasizing your previous good history and ask that the oopsies be removed from the credit report. It could happen. And as long as you’re reading the report, you need to…
I know this post is nearly three years old but I was desperately trying to figure out how to raise my credit score a little faster than usual. I would just like to say that everything he posted I tried and it worked for me. I have raised my score 50 points in just one month! I still have a long way to go, but now that I know what to do, I see it only going up from here. 

While the best credit repair company is the one you feel comfortable using, there are a lot of factors to consider when comparing. While things like fees and features may be more obvious, don’t forget to check the company’s status with the BBB and industry associations; if the company has a bad reputation among other companies, you should take the warning.
As you begin the process of improving your credit score, keep in mind that it’s a marathon and not a sprint, but improving your score is worth the effort. A poor credit score can potentially cost you tens of thousands of dollars over the course of a lifetime. It can also become a source of serious stress, making you feel like you just can’t leave the mistakes of the past behind and move on.
This is incorrect.You cannot decide when to take the secured deposit back-only the credit card issuer can do this.Also, shredding a card is a bad move as creditors will lower your credit limit or even cancel your card if it is not used somewhat regularly.The end result of this will be one less line of credit and a lower credit limit (which can make it harder to keep your utilization low),thus resulting in a lower credit score.
You have the right to review your credit report at no charge if a request is made to the credit bureau within thirty days after receipt by you of notice that credit has been denied. If such request is not made within the allotted time, the credit bureau must provide the approximate charge to you for a copy of your credit report for your review (For MD residents, a maximum fee of $5 may be charged). Federal Fair Credit Reporting Act (15 U.S.C. § 1681j)

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We listen to you, evaluate your credit goals and review your current credit situation. We do this on a one-on-one basis and we do it for free. This is the most important part of the tradeline process and anyone who skips it cannot possibly have your best interest at heart. To get started, you can: Email [email protected], sign up online or call 800-431-4841.
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