Tag Archives: authorized user tradelines

What Is It Like To Be An Approved Supplier At Toptradelines.Com?

There’s an exciting new industry where it’s possible to help others while also making a little money yourself. When you become an approved supplier at toptradelines.com, you can use your excellent credit history to help improve the credit of others. Basically, the way it works is that you will create approved user accounts on one or more of your credit cards. For every user account you add, you will receive a predetermined fee.

Am I Eligible to Participate?

First and foremost, you must have excellent credit. Every credit card account that you enter into the program must be at least 2 years old and have a flawless repayment history. That means that there haven’t been any 30-, 60-, or 90-day late payments. In addition, the current outstanding balance on the card must be less than 10% of the credit limit. This is often referred to as the debt ratio. These requirements must be maintained the entire time the card is part of the program.

What Are My Responsibilities?

Once one of your accounts has been chosen, you have some basic tasks that you need to perform.

  1. Add each client as an approved user
  2. Submit your credit card statement to toptradelines.com
  3. Add and remove accounts (monthly)
  4. Update toptradelines.com on any changes (monthly)

What are my risks?

You have virtually no risk. Toptradelines.com carefully controls the flow of information and only requests information from you that is absolutely necessary for the process. You will never need to provide your social security number, nor will you need to give your full account number. Also, you never directly contact the client. The only information that the client will have about you is your billing address, which appears on the client’s credit report. If this is a concern, you can switch to a PO Box.

How Much Can I Earn?

You can realistically earn anywhere between several hundred and several thousand dollars per month. It all depends on how attractive your credit card accounts are, how many accounts you have, and how many authorized users you’re willing to add.

TopTradelines.com: A Win-Win

TopTradelines.com is a financial services company that serves as an intermediary between individuals seeking to improve their credit history and those who would like to make a little money by helping them. The process is straightforward and perfectly legal. In essence, people who have clean and long credit card histories can earn a fee for authorizing people to be users on those accounts. People are willing to pay a fee for this service because the authorized credit account, also called a tradeline, will appear on their credit reports. Because it’s an account with a long and clean history, the credit score of person who acquired the tradeline willincrease almost immediately.

How Can I Be Sure That It’s Both Legal and Effective?

According to Regulation B of the Equal Credit Opportunity Act, a piece of legislation passed in 1974, creditors are required to report authorized user accounts of spouses to the major credit bureaus. Because lenders and creditors don’t distinguish between different types of authorized user accounts, all of the accounts are reported. There was some debate recently about whether the FICO score should be adjusted to not include authorized user accounts. However, because lenders complained that doing so would violate Regulation B, it was decided that the new FICO 08 score formula will include authorized user accounts.

How Does the Process Work?

  1. TopTradelines.com has a database of authorized suppliers’ seasoned tradelines, accounts more than 2 years old. These individuals are ready to add authorized users to their tradelinesupon request.
  2. An individual eager to improve his or her credit score contacts toptradelines.com and is subsequently offered a seasoned tradeline. For the service, the client pays a fee.
  3. Toptradelines.com then contacts an authorized supplier to arrange the order. The authorized supplier has to add the client as an authorized user within 7 days.
  4. Once the seasoned tradeline appears on the client’s credit report, which usually occurs within a month, toptradelines.com pays a pre-determined flat fee to the authorized supplier.

It’s a process the benefits both the supplier through the fee he or she receives and the client because of the boost to his or her credit score.

What Are Seasoned Tradelines?

In the simplest terms, “tradelines” are credit accounts. If a tradeline is “seasoned”, the credit account has been in existence for more than 2 years. If you have many seasoned accounts on your credit reports and those accounts have clean repayment histories and high credit limits, then you likely have a high FICO score. Having a robust FICO is essential for securing credit at favorable rates of interest. However, if you don’t have a number of seasoned accounts, or if those accountshave poor repayment histories,your credit score will be negatively impacted.

Fortunately, there is a way to add seasoned tradelines to your credit history. The process is simple, safe, legal, and widely used by people who are looking to boost their FICO scores. It will cost you some money, but the long-term gain is well worth it.

How Can I Add Seasoned Tradelines To My Credit History?

By using an intermediary like toptradelines.com, you will be connected with someone who has healthy seasoned tradelines. That individual will list you as an authorized user on one of his credit card accounts. By being listed as an authorized user, the complete credit history for that account will appear on your credit report. So within a little more than a month of being listed as an authorized user of an account, you will have account’s clean repayment history and credit limit posted to your credit reports. In most cases the immediate result is a score increase, and sometimes the increase is quite dramatic.

Will The New FICO 08 FormulaInclude Authorized User Accounts?

After considerable debate, the decision has been made by the creators and managers of the FICO formula to include the authorized user accounts in the new FICO 08 formula. This is great news for people who use the technique of using seasoned tradelines to increase their credit scores. This decision to include authorized user accounts was ultimately made because so many lenders complained that it would be a violation of Regulation B of the Equal Credit Opportunity Act of 1974.

Make a Difference in Your Own Life with TopTradelines.com

Are you just like me in that you have had your fair share of financial hardships throughout your life that have caused you to have a low credit score? We all know that there is not much we can do with our lives if we have a low credit score, regardless of the reason. Well, I wanted toimprove my life, so I decided to find a consultant to help me raise my credit score. Wow, there are a myriad of websites out there but few can compare in quality to www.toptradelines.com. I was actually able to speak to the staff there. They offered me so many brilliant ideas and opportunities to improve my credit score. I followed their lead and took their educated advice and today I am on my way to a much happier and financially secure me. If you want to increase your credit score and make noticeable changes to your finances then wait no longer. Visit www.toptradelines.com today and watch the new you begin unfolding right before your very eyes.

A Small Financial Company Offering Big Results

Buying a car, buying a house, making investments, and purchasing just about anything that we want are things we all wish we could do. But we all know we can’t do any of them if we have a poor credit score and no money. I have worked my whole life and for some very unselfish acts on my part find myself with a very low credit score today and limitations on what I can do with my life. I had enough of wishing and wanting to start making things happen. I went out on the web in search of my consulting angel and it wasn’t long before I found mine. I visited www.toptradelines.com and was amazed to find all the help that is out there for good people like me. I talked with them, followed their advice, and worked closely with them. Just 30 days have passed but I already see an increase in my credit score. Thank you TopTradelines.com for helping to make some of my dreams start to come true. You guys are the best!

Hope is Such a Wonderful Thing

Quite honestly,TopTradelines.com and their highly professional staff are the people who have given me hope in a world so filled with financial challenges and hardships. I had such a low credit score that I finally decided to put my focus on bringing up my score and bettering myself. After spending a great deal of time searching the Internet, I reached out to TopTradelines. To my relief, I was given the direction and advice that has changed my life forever. The representatives now were able to educate me on how to increase my score by making particular financial adjustments in my life. I am sure glad I found them. Two months after visiting www.toptradelines.com and talking with their consultants, I am looking at life in a whole new light. Thanks to my new friends and advisers at TopTradelines.com my life is moving up right along with my credit score, and I wouldn’t have it any other way.

TopTradelines.com: A Company for the People

Most of us need to improve our credit scores and nowadays there are so many websites out there that claim to be able to assist us in our task. After scouring the web, I found that www.toptradelines.com offers the best services to help me improve my credit score. With highly experienced and professional consultants that are knowledgeable in a wide-range of financial areas, TopTradelines were capable of providing me with the answers and solutions that I was looking for. Their consultants were friendlyand patient as they gave much of their time to me explaining the services available. After talking with them I did not hesitate to get on the phone with close family members and friends and share my newfound happiness. If you are looking to raise your credit score and are not certain how to do that, just visit www.toptradelines.com today and let them show you the way.

How to Prepare Yourself to Buy Your First House

I am extremely eager to buy a house, but I know I need to have an acceptable credit score in order to obtain a mortgage. In talking with my boss he suggested that I reach out to the folks at TopTradelines to discuss all my financial needs. Well, I took his advice and much to my surprise the helpful representatives at TopTradelines were able to educate me on feasible ways of increasing my credit score. The highly trained staff answered my questions and offered helpful advice that has assisted me greatly. My boss was right: these guys know exactly what they are doing. If you have concerns about your credit score, don’t waste any time. Visit www.toptradelines.com and learn how you too can increase your credit score today.

The Perfect Financial Consultant Here in Miami Florida

I live right here in Miami, Florida and when I realized that I needed to enlist the services of a tradelines company, especially for the purposes of raising my credit score, I was delighted to learn that the best of the best is located right here in Miami. I can’t begin to tell you how helpful the staff at TopTradelines was. There wasn’t a question I asked or a concern I had that they weren’t able to answer. I spoke with several different representatives there, and all of them impressed me with their knowledge and patience. Finances are difficult to understand and manage and we all want to improve our financial standing, so I’m glad that I found www.toptradelines.com online and contacted them directly. I recommend the professional staff at TopTradelines to anyone looking for financial and credit score assistance.

Economic Times Don’t Have to Control Your Life

Economic times are certainly pretty hard right now for so many of us and one thing we probably all need help with is raising our credit scores. There is not much that you can accomplish if you don’t have a good credit score,and, like so many others, I need to raise my score. Boy, what a pure delight it was when, after so many long hours of researching on the net,I discovered www.toptradelines.com. I was elated to directly speak with the well-qualified and highly knowledgeable staff at TopTradelines. The suggestions they made regarding my finances and the assistance they offered me were especially helpful. Today I must admit I am a much happier gal, with a much higher credit score, and I’m looking to do wonderful things now all because of one smart visit to www.toptradelines.com.