Our Most Popular Tradeline FAQ’s
TIPS FOR SELECTING TRADELINES
The amount by which a credit score can increase is different for everyone. We stick to a few rules of thumb when determining the benefits that you will receive:
1. Higher limits and older aged tradelines correlate to bigger credit score increases.
2. Additional older accounts makes your credit file more solid.
3. If you have nothing on your credit file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.
4. The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one. Please contact FCCS directly if you want to do this.
5. All our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.
6. If you have negative items on your credit report, this can offset the boost that you could get. You may need to have a credit sweep, which we provide, in order to get the maximum boost possible from tradeline(s). Tradelines are not a band-aid, they are an enhancement.
FREQUENTLY ASKED QUESTIONS
A tradeline is a credit line / account on your credit report. For example, on your credit report any of your credit cards are deemed tradelines. The tradeline is your car note. It’s a tradeline for your mortgage. A student loan is a tradeline. Seasoned authorized user tradelines with perfect payment history, low use (less otherwise noted) and perfect payment history are our types of businesses. This is done by adding you as an authorized user on an account with amazing payment history. Once you are added their outstanding history will report on your credit history helping boost your credit score so that you have a good standing “piggybacking” from their account. This is possible since creditors provide an authorized user with the entire credit office history of any tradeline. This is a huge way of raising your credit score to help you achieve things you never thought you could.
The Age Progression Tradeline Package is a truly unique and powerful customer service. It is a hand selected package of tradelines designed to reduce the weaknesses in your credit score, which will enhance your credit score. The oldest trading company is the lower credit limit, and the newer trading companies are higher. This shows that over time your credit has been improved: like fine wine: tradelines are selected from the same cardholder as Age Progress Tradelines can be two card holders, to ensure that the addresses are kept at a minimal level. This will also make your credit report easy to post.
Yes, we have a wonderful program of credit sweeps. You should consider our Credit Sweep program when you have negative elements in your credit report.
1) we use the power of the law to challenge negative items which lower your score. This is how it works:
2) We work with modern strategies in order to accommodate the industry that is changing.
3) Within the first 45 days or below, deletions may begin. The best results can be achieved for most customers in the first 90 days.
4) This is a highly accelerated process.
Yes, we have phenomenal inquiry removal service. Do you have IRRITATING CREDIT INQUIRIES? If you have too many, you will get DENIED more frequently which will hold you back from the things you want to get in your life. We remove certain pesky credit inquiries that are ruining your credit score so YOU CAN START GETTING APPROVALS AGAIN! 10% of your score is determined based on your credit inquiries so if your number of inquiries is decreased, then bam! Your credit score will increase automatically. We can remove up to 100 credit inquiries across all three credit bureaus. Typical results are 20 – 40 days.
Oh, yeah. Fraud alerts, credit freezes and other kinds of locks block new information. If you don’t remove the fraud alerts/locks, then the tradeline will not post properly. The customer is responsible for calling every credit office and removing the alarm against fraud. Each office will be removed by a simple telephone call. You can always return the fraud alert when you wish to report the trade line.
Typically, tradelines report 10 – 15 days AFTER the statement date given when placed your order at least 5 DAYS BEFORE the statement date. Orders and payments must be made AT LEAST 5 days before the statement date for your tradeline to post that month. Each tradeline has a different statement date. Our list is default sorted by statement date so you can see what is closing and posting the soonest. [We are known to make magic happen.] If you have a question about your order, please just ask us!
We guarantee our tradeline(s) will stay on your report for a minimum of two posting cycles which is at least 60 days. Certain tradelines like Discover, Capital One and Chase, can remain on up to 90 days. Note that industry average is only a 30-day posting, so you are getting an amazing deal here. If you would like to extend a tradeline lease for a fee, please let us know by within 35 days of your purchase. Note that after your lease has expired, the account will remain on your credit report. It will just change to a terminated authorized user status. It’s great that the account remains on your file indefinitely thus making your credit report more solid. You have the option to extend your tradeline for an additional 30 days for half price. Please get with us before your lease ends so we can keep you on longer!
Every client is different, but we recommend following the tips above in order to get the best possible boost to your credit score. If you have negative items on your credit report, this can offset the boost that you could get. You may need to have a credit sweep, which we provide in order to get the maximum boost possible from tradeline(s). Tradelines are not a band-aid, they are an enhancement. P.S. Higher limits and older aged tradelines correlate to bigger credit score increases. Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age). If you have nothing on your credit file, i.e. a thin file, you must select something at least 6 months old to generate a credit score and avoid a thin file error. The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one. Age Progression Tradeline Packages are the most powerful and cost-effective way to go. All our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.
An increased credit score will allow you to secure better interest and approval rates on credit cards, car loans, and mortgages. It also impacts your car insurance rate, the ability to rent an apartment, put utilities in your name without a down payment, or personally guarantee your own business. Also, certain professions/employers require a certain credit rating for employment. Having a higher credit score means better loan terms, hands down.
When your authorized user lease has expired, the information will remain on your credit file, however it will show as a closed account. This is fine because the more positive accounts on your credit file, the stronger your file will be. The most impact you will get out of the tradeline will be while you are in an active status on the tradeline. Your score may or may not dip slightly when your lease has expired. What we have seen historically is a dip when the authorized user is removed, but not to as low as it was before the tradeline was added. Every file is different. Don’t delay, act as soon as your tradeline(s) have posted to your credit file.
No. The tradeline you purchase will appear in your credit file, however you will not get the card. The goal of tradelines is for you to reap the benefit of a credit score increase/file solidification, then reach for your financial goals. What you are purchasing with tradelines is the information to be essentially copied and pasted in your credit file thus giving you an increase to your credit score in a very quick amount of time.
Credit Check Total is best for posting tradelines to your file and seeing results sooner, in real time. We also like Equifax.com, IdentityIQ, and Privacy Guard. Paid 3 bureau monitoring services are always preferred over the free ones like Credit Karma. P.S. Keep in mind we do NOT accept Credit Karma or any free service to report a non-posting issue (industry standard).
The reader’s digest version is yes, the act of being added as an authorized user to someone’s credit card is legal and is protected by the provisions in the Equal Credit Opportunity Act of 1974 – Regulation B. Although it is legal, it’s usually considered a disliked practice by society and other vendors.
No, but we can point you to the right direction to getting your own primary tradelines so that you can solidify your credit score even more.
Half price of the original price for one month’s additional posting (an extra 30 days). Full price of tradeline for 2 additional postings (an extra 60 days.) You must notify us within 35 days of placing your order to make a request to extend your lease. Please get with us so we extend the contract and stop the cardholder from removing you!
Some lines do not post automatically so we need to merge the tradeline address onto your credit report and by doing this it will make the tradeline report to your credit file. This will result in a credit inquiry to your file. It is the only way to get most tradelines to post. Do not be alarmed, this is just an address merge to your credit file. If you do not want this, there are only four options of tradelines you can pick from that do not require a hard pull, and they require specific supporting documents for the bank. Please email us so we can guide you through it.
You may cancel your order with 5 days of placing it. If you do not cancel within 5 days, the following information is in effect. All lines appear within 60 days, most post within 30, and some post within 10 days after the statement date. The tradeline(s) will stay on your report for a minimum of two posting cycles (at least 60 days). If you would like to extend a tradeline, please let us know by within 35 days of your purchase to renew or extend your lease. If the line does not appear within the 60 day period listed above, we will issue a replacement. If the REPLACEMENT line does not post within its time period then we will issue a store credit. You as the client and/or broker are responsible for the accuracy of the information you submit to us. Being one digit off on an SSN or date of birth, or spelling a name incorrectly will cause a tradeline not to post properly. We DO NOT replace lines when you submit inaccurate information so please double check your info. If you submit incorrect or inaccurate information, you would need to re-purchase the line again if the order was already processed.
It is the client’s responsibility to open their own credit monitoring service. It is not our job to open your credit monitoring service. We highly recommend Credit Check Total because it provides quicker updates, more accurate information, and sends alerts in real time that the free services do not send. Note that we do not accept Credit Karma or any free credit monitoring site as proof of non-posting. This is an industry standard. More information on our trusted credit monitoring sites as proof of non-posting are listed below.
Tradelines are NOT PERMANENT. After the 15th business day after the statement closing date, if the line has not posted, please submit a Support Ticket to inform us. We will investigate. If you don’t submit a ticket, then we DON’T KNOW ABOUT IT. In order to investigate tradelines that have not posted, we will need you to accurately fill out all information on your order form. You must provide a valid login ID and password from one of our trusted credit monitoring sites (we will only accept Creditchecktotal.com/Experian.com/Transunion.com/Equifax.com/Myfico.com). After 20 business days, if you have not emailed us we will assume that the line has posted and the transaction has successfully completed. The authorized user tradeline that you have purchased will expire 60 days after the first statement date following your initial purchase.
You have the option, for a fee, to extend the tradeline for 30-180 days for the first 35 days following your initial purchase. After 35 business days, if we have not received an extension request we will ask our cardholder to remove you from the card. Once this happens there will be absolutely no refunds or exchanges available. Removed tradelines will show up as “terminated authorized user relationship” on your report. At this point, your credit score may drop but it may stay higher than where it originally started from. We guarantee the tradeline posting on at least 1 of the 3 credit bureaus. If a line only posts to one bureau we will attempt to merge it on a 2nd bureau. Most of the time tradelines will post to at least 2 of the 3 bureaus but every once in a while, we get a stubborn bank and that is out of our control. Also, note that some banks do not report to all three credit bureaus as each bank sets their own rules surrounding their reporting data. Also please understand that from time to time cards will either get shut down or do not post. We ask that you be patient going into this and understand that the process could or may have a delay of a few days or even a couple of weeks. Our Support Team will assist you in making sure that your lines post accordingly.
In the event of a tradeline getting shut down, or a line becoming unavailable or sold out, we will select an equivalent or better tradeline and move you to it. This may be without notice. Changes happen so frequently that we are unable to notify every client of every change. We send out information on every single tradeline order so you will always know where you stand regarding the tradeline.
Some lines do not post automatically so we need to merge the tradeline address onto your credit report and by doing this it will make the tradeline report to your credit file. This will result in a credit inquiry to your file. It is the only way to get most tradelines to post. Do not be alarmed, this is just an address merge to your credit file.
A note about Fraud Alerts: If you have a Fraud Alert on credit report, you MUST remove it in order for your tradeline to report properly. ANY AND ALL FRAUD ALERTS MUST BE REMOVED BY YOU. If you do not, you will run into posting issues that we will not accommodate for. In order to remove a Fraud Alert, you must call each credit bureau and remove it. You are welcome to put the fraud alert back on your file once your tradeline posting incomplete.
We Accept Cash Transfers From US Bank, Wells Fargo, Western Union, MoneyGram, Cash, APP, And Zelle (zellepay.com) We DO NOT accept credit cards or PAYPAL. It is a violation of Paypal’s user agreement for any credit-related company to use their platform for their services.