Tag Archives: seasoned tradelines

TopTradelines.com: Which Tradelines Should I Choose?

As you probably know if you’re reading this blog, tradelines are credit card accounts that appear on credit reports. In recent years, a lucrative industry has developed in which people buy and sell the right to be listed as an authorized user of a credit card account.

There are a number of intermediary companies that bring together buyers and sellers of tradelines. One very reputable company is TopTradelines.com. At Top Tradelines you can search the online tradelines database to find the tradeline that is best suited to your needs. Let’s examine tradelines in three price ranges.

Tradelines: Less Than $500

As the old saying goes, “you get what you pay for.” ATop Tradelines review reveals tradelines in its database for as low as $299. These tradelines often have relatively high credit limits but aren’t very old. So adding this type of account won’t improve your credit score a lot, maybe 20 or 30 points. However, that may be all of a boost you need to qualify for a car or home loan.Take a look at a tradeline in this price range that is currently listed in the database.

  • Creditor: Discover Bank
  • Credit Limit: $3,500
  • Age: 0.28 years
  • Price: $299

Tradelines $500-$1,000

If you’re able to spend more than $500 but not more than $1,000, you’ll get tradelines that are either old with low credit limits or young with high credit limits. These tradelines will give your score a more sizeable increase, about 50 to 70 points. Here’s a current listing.

  • Creditor: Citibank
  • Credit Limit: $2,400
  • Age: 7.55 years
  • Price: $899

Tradelines: More Than $1,000

If you need a substantial boost to your credit score in a short amount of time, you should seriously consider adding a tradeline in this price range. These tradelines are usually relatively old and have high credit limits. Take a look below at a current listing.

  • Creditor: Discover
  • Credit Limit: $16,700
  • Age: 4.59 years
  • Price: $1,299

TopTradelines.com Review: Wholesale Broker Packages

TopTradelines.com is a credit repair and financial services company that provides a range of services designed to bolster the credit of its clients. One of the ways in which it does this is by selling seasoned tradelines. A seasoned tradeline is a credit card account that was opened more than 2 years ago. The actual credit card account isn’t sold. Instead, what is sold is the right to be listed as an authorized user of the credit card account.

The reason people are willing to buy the right to be listed as an authorized user is that credit card companies report all authorized users of accounts to the credit bureaus. As a result, if there is an account added to your credit report that is more than 2 years old, with a clean repayment history and a low debt ratio, your credit score will likely increase.

How Does The Process Work?

The process is quite simple. TopTradelines.com brings together buyers and sellers of seasoned tradelines. It has a database of the tradelines it has acquired, listing the name of the credit card company, the age of the credit card account, and the credit limit. Buyers can then choose which accounts they want to purchase.

Another option exists for ambitious sales professionals who can find clients who looking to acquire seasoned tradelines. You can become an approved broker. After the representatives at Top Tradelines review and approve your application, you can purchase the tradelines at wholesale prices directly from TopTradelines.com. Then it is up to you to determine how much to mark up the price for your clients. All purchasing and monitoring of accounts is done through the user-friendly broker portal.

What Broker Packages Are Available?

Several wholesale broker packages are available. Take a look at the 7 packages that are currently listed on the website. The larger the package, the more discounted credits you can use to buy tradelines for your clients.

  • Package 1. The package costs $1,000. You get $1,050 in credits—a 5% free bonus.
  • Package 2. The package costs $2,500. You get $2,750 in credits—a 10% free bonus.
  • Package 3.The package costs $5,000. You get $5,750 in credits—a 15% free bonus.
  • Package 4.The package costs $10,000. You get $12,000 in credits—a 20% free bonus.
  • Package 5.The package costs $15,000. You get $19,500 in credits—a 30% free bonus.
  • Package 6. The package costs $20,000. You get $28,000 in credits—a 40% free bonus.
  • Package 7. The package costs $30,000. You get $45,000 in credits—a 50% free bonus.

TopTradelines.com Review: Discounted Client Packages

So what are tradelines? Quite simply, they are credit card accounts. If you have a number of healthy tradelines on your credit report,you probably have a high credit score. However, if you don’t have many tradelines or if you have tradelines that aren’t old and/or contain some late payments, your credit score likely doesn’t look so good.

Well, there’s a way to quickly improve your credit score. You can purchase tradelines from an intermediary company that connects buyers and sellers of seasoned tradelines.

How Can I Add Seasoned Tradelines To My Credit History?

By using a company like Top Tradelines, you will be connected with someone who is selling his or her healthy seasoned tradeline. Basically how it works is that the account holder will list you as an authorized user on one of her or his credit card accounts. By being listed as an authorized user, the complete credit history of that account will appear on your credit record. The end result is that in less than a month your credit report will contain the healthy repayment history, high credit limit, and low debt ratio of the account you purchased. It’s possible for your score to increase more than 100 points, though it depends on what kind of tradelines you buy.

What Packages Are Available?

You can acquire individual tradelines by searching through TopTradelines.com’s online inventory database. Or if you want greater value, you can purchase one of its packages. Below is a complete listing of the 7 packages that are currently available.

  • Iron Package. You get 3 tradelines with an average age of 2 years. You pay an average price of $333. It’s a good package for someone looking to build his or her credit history.
  • Steel Package. This is another 3 tradeline package. The average age of the tradelines is 3 years and the average credit limit is $3,000.
  • Bronze Package. This is a 4 tradeline package. The average age of the tradelines is 4 years and the average credit limit is $5,000.
  • Silver Package. This is another 4 tradeline package. The average age of the tradelines is 5 years and the average credit limit is $7,500.
  • Gold Package. This is a 5 tradeline package. The average age of the tradelines is 5 years and the average credit limit is $10,000.
  • Platinum Package. This is another 5 tradeline package. The average age of the tradelines is 4 years and the average credit limit is $15,000.
  • Diamond Package. This is Top Tradelines most expensive package, at almost $6000, but it offers 6 tradelines that have an average life of 7 years and average credit limit of $25,000. This is the package for you if you’re seeking the most credit possible. You credit score will soar after adding these tradelines.

TopTradelines.com Review: Real Results

Do you need to increase your credit score? Many financial consultants and credit counselors would advise you to take the slow path: make your payments on time, gradually reduce your credit card balances, and periodically request credit limit increases. Well, there’s a much faster way to improve your credit score.

Through TopTradelines.com, you can purchase something called seasoned tradelines. Simply defined, seasoned tradelines are credit card accounts. You aren’t purchasing the actual credit card account; instead, you are buying the right to be listed as an authorized user of an account that has a clean repayment history and a debt ratio below 10%.

The process is very simple. After registering on the site, you search through TopTradelines.com’s tradelines database to find the account that is best for you. For each account, you see information like the name of the creditor, the credit limit and the age of the account. The better these variables are, the more you will have to pay. You also have the option of purchasing tradeline packages, which reduces the cost of each tradeline.

The question is “Does it work”? A recent Top Tradelines review reveals several recent testimonials from real clients. Let’s take a quick look at two of them.

Testimonial #1

A woman from California purchased the platinum package for $4,500. Yes, it’s expensive, but she received 5 tradelines with an average age of 4 years and an average credit limit of $15,000. About three weeks after purchasing the package, the 5 accounts appeared on her credit reports at the three major credit bureaus. The results were remarkable. On her Experian credit report, for instance, her score went from 676 to 799. That’s an increase of 123 points. With a credit score of 799, she’s now eligible for a range of excellent credit cards as well as auto and home loans.

Testimonial#2

Another client took a less expensive route. He bought a Bank of America tradeline for $405. It was about 3.5 years old and had a $10,000 credit limit. Less than three weeks after his purchase the tradeline appeared on his credit reports.His score increased on average of 50 points on each of the three credit bureau reports. His Equifax score, for example, went from 660 to 721, an increase of 61 points. With a score like that, he can now get much better rates on credit cards and car loans.

TopTradelines.com Review: Seasoned Tradelines Inventory

TopTradelines.com is a financial services company that provides a range of services intended to improve the credit of its clients. One of the ways in which it does this is by selling seasoned tradelines. A seasoned tradeline is simply a credit card account that has been open and active for 2 or more years. Making good use of a piece of federal legislation called the Equal Credit Opportunity Act, which requires creditors to report authorized accounts to the credit bureaus, Top Tradelinesacts as an intermediary between those individuals willing to sell seasoned tradelines and those who want to buy.

How Do I Acquire Seasoned Tradelines?

The process is quite simple. Once the representatives at Top Tradelines review and approve your application, you can purchase one or more seasoned tradeline. Then the person who is offering the tradeline will add you as an authorized user of their account. In a little more than a month, that person’s credit card account appears on your credit card report.

It is up to you to decide which and how many seasoned tradelines that you acquire. On TopTradeliens.com you can browse its database of current seasoned tradelines. You in the listing your see the creditor’s name, credit limit, open date, age of the account, price, and next available reporting date. You also have the option of purchasing seasoned tradelines in large packages.

Who Are Some Of The Creditors And What Are The Credit Limits?

A recent Top Tradelines review reveals an impressive list of seasoned tradelines. The list includes creditors like Barclays, Capital One, Bank of America, Navy Federal, Wells Fargo, Discover, and Citibank. Credit limits range from $1,250 to $30,000. Each account contains a different combination of attributes. Some are old tradelines, like 7 years old, with relatively low credit limits while other tradelines have shorter histories with higher credit limits. The tradelines have the combine that most favorable attributes tend to be the most expensive.

TopTradelines.com: Three Funding Programs

TopTradelines.com is a financial services company with a sterling reputation. It provides a range of services, from credit repair to funding programs. The company carries a $10,000 Surety Bond to protect its clients, as required by law, and also offers a 100% money back guarantee for all of the services it provides.

Because it is widely known and trusted in the industry, Top Tradelines is the organization where most individuals and corporations turn for their financial needs. One service in particular that attracts a substantial number of clients is the funding program. What follows is a brief description of each of the three programs.

Personal Funding Program

If you meet the personal credit history requirements, toptradelines.com can help you obtain unsecured credit cards at a success rate much better than you would have if you were trying to get them on your own. It is realistic to expect that you can get between $25,000 and $100,000 in credit within 3 weeks if you meet all of the basic requirements. Only after you get the credit will toptradeliens.com charge you a 15% fee. The basic credit history requirements are as follows:

  • a 3-year clean credit history
  • at least 3 open revolving credit accounts
  • a revolving credit debt ration below 30%
  • a credit score above 700
  • no more than 6 credit inquiries in the past 60 days

Corporate Funding Program 1: Unsecured Corporate Credit Cards

Very similar to the personal funding program, the corporate funding program is a full-service program that assists corporations in applying for corporate credit cards. The fees and credit potential are the same as the personal funding program.

Corporate Funding Program 2: Cash Credit Program

For a flat fee of $795 you and your business will be enrolled in the dedicated coaching program. This program is designed to quickly increase your corporation’s commercial credit score, or Paydex score, to 80—the bare minimum to apply for corporate credit.

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.

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.