Boost your Credit Score
Tradeline City raises your credit score on all 3 credit bureaus with affordable, high quality tradelines
Lower Monthly Payments
The higher your credit score, the lower your interest rates will be meaning that your payments will be lower each month. If you have a good great score, your chances of qualifying for the best interest rates are much higher. This will save you thousands of dollars.
Better Chances For Loan And Credit Card Approvals
Apply for credit with more confidence. A great score will help you present the best possible version of credit. However having an excellent credit score doesn’t guarantee approval, because lenders still consider other factors like your income and debt.
More Negotiating Power
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score.
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how tradelines work
There’s a term in the credit world called “tradelines.”
Tradelines are an account listed on your credit report. For example, a credit card, car note, student loans, or a mortgage are all consdider tradelines.
Benefit Of Credit Piggy/backing
Broad regulations and legal loopholes allow for you to benefit from being an authorized user on another person’s tradeline (also known as “credit piggybacking”).
The issuing bank reports the positive credit history including the age of the account, the limit of the tradeline and the positive payment history to all 3 major Credit Bureaus (Experian, TransUnion and/or Equifax).
In other words, once you are added as an authorized user to an account, the history of that account appears on “your” credit report and will be treated as if it was “your” credit history.
FICO® Credit Score Factors
The payment history, age, and limit have a direct impact on the FICO credit score model which impacts your utilization ratio, average credit age, and payment history. FICO® digests this newly added credit and recalculates your score with drastic improvements.
Boost Your Credit Score With Tradelines
Ideally, you should have at least 3 open positive tradelines on your credit report. Meaning the account should be OPEN, the payment history is perfect, and the utilization is under 25%.
We do this by adding you as an authorized user to a seasoned tradeline, allowing you to “piggyback” off of the account in good standing.