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.
PRICING DEFINITION: A fee is generated for the deletion or repair of an item. A deletion is defined as a negative item being removed from any bureau for any reason during our service. A repair or correction is defined as an item in negative status being changed to positive status. An item is not considered repaired unless ALL negative information is removed from the reporting of the item. IMPORTANT: - All prices are per item and per bureau. A removal of ANY item form ANY bureau counts as ONE (1) removal. The deletion of an account from all three credit bureaus counts as THREE (3) deletions.
If your credit score truly falls on the low side, bear in mind that time is on your side, as long as you use that time to your advantage. If you do have a history of late payments, you need to turn that trend around and start making sure your bills are paid on time. Sign up for online payments, make a note in your calendar, and keep close track of your bank account savings and spending. In short, do what you need to do to get those monthly bills paid on time. Once you do this for several months, you'll start seeing an improvement in your credit score.
Superior Tradelines, LLC is the best company offering tradelines for sale. There are three main areas to judge tradeline companies. 1) Complaints 2) Reliability and 3) Financials. Regarding complaints, I would not recommend believing everything you read, but you should consider complaints you read online so long as they are believable based on common sense and you use your judgment (companies have used complaint boards to attack their competition). You should note, Superior Tradelines, LLC has never had a legitimate complaint. Superior Tradelines, LLC works with nearly 90 different companies, and wouldn’t have these affiliations if we were unreliable. Lastly, Superior Tradelines, LLC is bonded with a $10,000.00 surety bond, so your money is safer with us than any tradeline company on the internet.What you do NOT want is companies that pre-empt your ability to get a refund. Look at the terms we found on a competitor’s website:
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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 
•    I then added her to 3 of my credit cards as an authorized user. I choose the oldest with high credit limits.(I did not give her the cards to use-only added her as an authorized user for my own protection) BEFORE being added as an authorized user be SURE you know the credit history and habits of the owner of the account. If there is a late payment on their account this will be reflected on YOUR credit history!
Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if the information is found to be inaccurate, the provider may not report it again.

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.
It’s easy to check your credit reports from each of the three major credit reporting agencies. You’re entitled to a free copy, once a year, of all three of your credit reports under the Fair Credit Reporting Act. These free credit reports can be accessed via AnnualCreditReport.com, the government-mandated site run by the major bureaus. (You can also view a free credit report snapshot on Credit.com.)

Primary. No, you cannot buy primary tradelines. The only reason you can buy authorized user tradelines is that there is a law which says lenders shall consider them. As discussed above, this is how the practice of piggybacking credit was commercialized. There is no similar law for primary tradelines; you cannot pay to be added to a primary account and backdate history like you can with seasoned authorized user tradelines.
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. 
j) You understand that CRA is expending labor, materials and funds in order to work on your credit file and that CRA is relying on your prompt furnishing of ALL correspondence received by you from either the creditors or credit bureaus, promptly upon being received by you and within 7 days. You further understand and agree that failure to provide legible copies of all correspondence you receive from the creditors and credit bureaus damages CRA and that CRA will use available credit information to establish what items have been corrected or removed from your credit file and will charge you for those items, and you agree to pay for those items, the fees agreed upon by Client and CRA.

Opening several credit accounts in a short amount of time can appear risky to lenders and negatively impact your credit score. Before you take out a loan or open a new credit card account, consider the effects it could have on your credit scores. Know too, that when you're buying a car or looking around for the best mortgage rates, your inquiries may be grouped and counted as only one inquiry for the purpose of adding information to your credit report. In many commonly-used scoring models, recent inquiries have greater effect than older inquiries, and they only appear on your credit report or a maximum of 25 months.
Pay strategically: Here’s another way to look like you don’t use much or any of your available credit card limits. Try to pay off your balance, or as much as you can, before the statement closing date. The balance on that date is sent to you and the credit bureaus, and is used when FICO calculates your credit score. It doesn't mean that you have to change your spending behavior, it just means you're attacking outstanding debt earlier in the billing cycle.
The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.
Disclaimer: All loans are subject to credit and underwriting approval. Loans Canada is a lead referral company, not a lender. Loans Canada only works with financial service providers that adhere to Canadian laws and regulations. Loans range from $500-$35,000 with terms from 4 months to 60 Months or longer. APRs range from 2.99% to 46.96% and will depend on our partner's assessment of your credit profile. For example, on a $500 loan paid monthly over 9 months, a person will pay $81.15 per month for a total of $730.35 over the course of the entire loan period. This amount includes our partner's optional loan protection policy. In the event of a missed payment an insufficient funds fee of around 45$ may be charged (dependent on the lender). In the case of a default on your loan your payment plan will be terminated and different collection methods will be employed to collect your remaining balance. Outstanding debts will be pursued to the full extent of the law. Our lenders employ fair collection practices.

Recent collection accounts can take up to 100 points off a credit score. Consider offering a payment in exchange for a deletion for certain collection accounts. Paid collection entries do not increase credit scores. Once you get a collection entry on your report it goes into the negative category on credit reports. A paid collection remains under the negative category.
Pay strategically: Here’s another way to look like you don’t use much or any of your available credit card limits. Try to pay off your balance, or as much as you can, before the statement closing date. The balance on that date is sent to you and the credit bureaus, and is used when FICO calculates your credit score. It doesn't mean that you have to change your spending behavior, it just means you're attacking outstanding debt earlier in the billing cycle.
It’s a good idea to check your reports at least once a year to make sure all of your information is right. If you notice any errors or incorrect information, contact the credit bureaus and ask for a correction. Errors could include someone else’s information in your file, debts listed that aren’t yours, debts that have been paid in full and incorrect payment history.

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

You may be wondering, what do they base these scores off of? It’s an important thing to answer since it could help you identify why your credit scores aren’t as high as you assumed they’d be. As outlined in Credit for Canadians, “Credit scoring involves assigning a value, usually points, to different factors that will be used to predict the likelihood of you paying your loan back as agreed.” And loan can mean any type of credit, such as a line of credit, credit card, mortgage, car loan, etc.
When it comes to getting approved for loans and securing the lowest interest rate possible, a higher credit score is best. If you can get your credit score to 800, you’ll likely be able to take advantage of the best rates and should have no problem getting approved for a loan, as long as all of your finances are in order and there are no other red flags that might worry your lender.
When it comes to anything with credit repair I am always skeptical given the large amount of incorrect or incomplete information out on the internet. I own a credit repair business and have done all types of business and personal funding and asked some very hard questions when I initially reached out to them. Tommy was amazing and most importantly he was so honest and didn't try to fluff anything up. I actually learned a lot from him about credit and authorized users. I started working with them by adding individuals to my cards and I can tell you the checks are real :) This team of people are impeccable with their word and always follow through with what they say when they say it. I would recommend Tommy and his team to anyone looking to work with someone in this industry.
Don't fall for the bells and whistles sales pitch listed on many credit report websites. Always remember, you're entitled to one free credit report annually; anything over and above that -- such as monthly credit monitoring services, or "fraud alert" plans - will cost you potentially hundreds of dollars. Instead, use that extra money and apply it toward any outstanding debts.

Hello, although I am 30+ I am fairly new to credit with scores of 731 695 and 703. since I waited so long to start utilizing credit I am now faced with denials due to lack of credit history. out of the 3 credit cards I have one being secured I have no negative reporting and have a utilization of 15%. I am asking what tradeline price is needed not to increase my score but to establish a seasoned record of some sort. 4 inquiries max if i can recall and a few store cards that were recieved through preapproved offers.

We don’t provide lists, because that is putting our sales goals above your credit goals. If anyone is giving you a list, that’s what they’re doing: putting their sales goals above your credit goals. We’ve written about tradelines lists previously. Speaking of goals, you should try our new tradeline and credit analysis tool, which will help you determine if tradelines are right for you. Also, if you have a CPN, we can’t and won’t work with you 🙁 So, hope that was helpful information.


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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