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Attention CIC Warriors! Please read this!


Try4Gr8Credit
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Did you know that it's possible to improve your credit score by 100 points or even more without doing anything more than making a single payment? If you are like most people, you probably want to know how this works. You may even wonder if it's illegal since it's so easy. Though some may claim it's not ethical, it certainly isn't illegal. In fact, knowledgeable consumers and businesses have been using these methods since the 1970's with phenomenal results!

Many people can use a quick boost in their credit scores when they are in the market for a home, auto, personal or business loan. If you are one of these people, you really only have a couple of options: You can either get a few primary tradelines on your own and wait for a couple of years or so for them to have a very good impact on your reports or you can call a company that specializes in providing primary personal tradelines. Many people don't have 2 years to let their primary tradeline accounts age on their own, so using an experienced company is almost universally the best answer. So what do you need to know about primary personal tradelines? What should you look for in a company offering these services?

There are several things to keep in mind about primary personal tradelines. Probably the most important is paying attention to the type of account being offered. Companies offering tradelines usually offer either Primary Tradelines or Authorized User Tradelines. If your goals include purchasing a home, a vehicle or getting a loan for a business, you will certainly want to stay away from Authorized User Tradelines. The reason for this is because, upon a manual credit review, these accounts will stick out like sore thumbs and will be devalued when considering you for approval. All Aged Primary Tradelines are at least 2 years old, but usually older, and has an excellent credit history. Can you imagine what you'll do with the hundreds or thousands of dollars in interest alone that having several of these accounts on your credit report will save you?

The concept of adding aged primary personal tradelines is really quite simple. You essentially make a payment to a company that has a repository of businesses that will provide credit accounts to you with the credit limit you request and the payment history length you request. Each of these tradelines will show an established excellent credit history with no late payments on the account. You will be able to prove the existence of these accounts if the need ever arises when you're using a reputable primary tradelines provider. Once reported, these primary personal tradelines show up on your credit report in a couple of weeks to a month. This is one of the strategies businesses and knowledgeable consumers have been using for years to get themselves, their clients, and themselves much better rates and more affordable payments.

The credit limit amount of the tradelines will be one of the most important factors in getting you larger credit lines in the future. Since all of the major aspects of credit scoring are optimized using this method, adding two primary tradelines will increase your score 90 or more points. If you were to need a bigger boost, you would just purchase more primary tradelines. Most larger tradeline companies have the ability to offer as many as five separate primary tradelines for an individual credit file. Purchasing several primary tradelines at a time like this usually saves some money in more affordable and can give your score a boost of as much as 250+ points! With a beginning score of 500, you could end up far past the 720 that most lenders require to get the best rates and terms.

Of course this service is not free. Depending upon the service you use to add primary tradelines to your credit file, you can expect to pay up to $1,500 per tradeline. Performing due diligence when choosing a primary tradelines provider is very important. Many reputable tradeline providers like The Doleman Financial Group offer to perform the service for a deposit of 50% with the balance being due when you actually see the primary tradelines on your credit reports. Reputable providers of primary tradelines also offer several methods of payment and do not accept risky payment types like Western Union.

Aged personal primary tradelines are perhaps the easiest mainstream method of improving your credit score over a fairly short period of time. So why wait? Get out there and improve your credit today! Don't miss out.

WHAT DO YOU GUYS THINK ABOUT THIS? WHAT IS THE DEAL?

IS THIS LEGAL? HOW ARE THEY DOING THIS? SOMEBODY TELL ME!

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They are selling a positive tradeline by putting your name on an established account. The accounts are with registered businesses, and they will apparently include pre-dated statements of some kind since it says this

You will be able to prove the existence of these accounts if the need ever arises when you're using a reputable primary tradelines provider.

Let's say I create a company to sell people tradelines. I get a legal business offering X services/consultation/whatever on credit and get a Data Furnisher's agreement with the CRAs. I can easily create a whole history on paper showing I provided you with X service/consulting/whatever for 5 years and you paid me per the contract, and start reporting to the CRAs. Who's to say it never happened?

Probably illegal on many levels, but it's not something that would be apparent to someone viewing a CR.

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Most companies are a scam, this is legit though..You have to go through a company that buys debt and sells you the old debt posted good.

I do have a source you pay 250 for the debt and he posts it as a good trade line you now own...

BE CAREFULL

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So it must be pretty easy to get a Data Furnishers Agreement with the CRA. Don't they check out how legit the businesses are, or I guess they can't or too lazy. Now how long do you think it will be before this hustle is over?

Their main requirement seems to be a minimum number of reported accounts (ie 500). I am not sure what all else is on the app.

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It was this very "business" that led the CRAs/FICO to talk about changing credit scoring. For a time they stated that they were no longer going to count accts that were AUs. Now, they only count an AU if you are a relative (spouse of acct holder, child, etc.)

By boosting FICOs through AUs, many unqualifed folks got mortgages.....and the subprime mess was exaccerbated.

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