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.
- Add each client as an approved user
- Submit your credit card statement to toptradelines.com
- Add and remove accounts (monthly)
- 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 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?
- 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.
- 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.
- 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.
- 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.
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.
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