credit services

Seasoned Authorized User Trade-Line


HOW IT WORKS

We use a simple system to help you improve your credit score and credit history. Your name will be added to a seasoned Authorized User credit card account that has a high limit and low balance, for a period of 60 days. All selected credit cards are guaranteed to have a perfect history of timely payments and no negative remarks.

Once your name has been added, you will receive the benefit of being associated with the selected credit card account. Credit cards in our program are used for the sole purpose of adding clients as Authorized Users, so you are never at risk based on someone else’s spending habits.

Additionally, you will not be able to use the credit card(s) to which your name has been added. You will not have the authority to make any changes to the account, and you will never have the responsibility of making payments to the account.


Understanding Authorized User Accounts

Credit card companies provide the ability to add authorized users so that family members of friends could have access to the primary account holder’s credit line. One side benefit of being added as an Authorized User is that the primary account holder’s history appears on the Authorized User’s credit report. This means that the history associated with the selected credit card, on which you will be assigned as an Authorized User, appears on your credit report.

When the credit card appears on your credit report, it shows the account creation date based on when the account was originally opened, and not when your name was added. That means you also get the benefit of a higher average account age on your report, which can help raise your score. If you were to attempt to raise your score using this method without this process, it could take you years to see the same benefits we can provide in a matter of days or weeks.


Benefits to You

Aside from the increased average age of your credit accounts, which accounts for as much as 15 percent of your overall credit score, you also improve your payment history and utilization ratio which both impact as much as 60% of your credit score.

The benefit of being added as an authorized user  to a credit account that has an excellent history is a convenience that is worth the investment .Being added as an Authorized User can immediately raise your credit score as soon as the account is reported to your credit history.

With this simple process, you will see a boost in your credit score in less than 60 days, GUARANTEED.

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One of the most common questions we get about trade-lines is, “Is this legal?”. To give you the short answer, yes it is legal. But don’t just take our word for it. There has been extensive research into the legality of “piggybacking”. Multiple law firms, the Federal Reserve Bank, the Federal Trade Commission, and various Attorneys General have all looked into the practice in fine detail, and each have determined that the act of paying someone to add another person to their existing credit card account as an Authorized User is perfectly legal. While the banks and credit reporting agencies may dislike the practice, credit piggybacking is actually protected by Regulation B of the Equal Credit Opportunity Act. To learn more about these legal opinions, you can read the article below.


SEE LEGAL PROOF 

Piggybacking: What's the Deal?

Piggybacking, a technique often used to build credit by paying to become an authorized user of a stranger’s credit card account, has been under fire since it first gained widespread popularity in 2007. In practice, the loophole in the credit scoring system works great, which is perhaps why it’s ruffled the feathers of so many people that find it unfair and sleazy.
— http://www.creditnet.com/blog/piggybacking-whats-deal

Joshua Heckathorn | September 13th, 2009 | READ MORE


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Credit score changes vary depending on a number of circumstances. The current state of your credit report will play a large factor, as well as the services you choose to purchase.
While there is no definitive answer regarding the amount of your score will increase, this method works with these three understandings:

1. Adding more credit cards to your credit report will result in larger initial boosts to your score.
2. The fewer credit cards that are listed as currently open on your account, the higher the boost can be as credit cards are added to your report.
3. Credit cards with higher limits and longer account histories will result in larger boosts to your credit score.

Tradelines come in many varieties. Accounts can be either “seasoned” or “new.” Seasoned tradelines are those with a substantial account history, while new accounts have been recently opened. Comparatively, seasoned accounts have a more positive effect on your score while new credit lines can temporarily lower your credit score until the account matures.

The secondary characteristic of each account involves how the user is listed on the account. Primary users refer to those who are personally managing the account. In contrast, an authorized user is often considered secondary to the primary user. While being an authorized user can be beneficial to your score, it may have less impact that being a primary user.

For those reasons, we don’t provide customers with the opportunity to add Seasoned Primary Trade lines.

We help clients by adding Seasoned Authorize User Tradelines. These deliver astonishing boosts to one’s FICO Credit Score, without any of the negative connotations associated with some other options. With Seasoned Authorized User Tradelines, a rise in your credit score is guaranteed.

Our service guarantees that the agreed upon credit card(s) will appear on a minimum of two of your three major credit reports within 60 days from the first expected monthly reporting date. In the majority of cases, the credit card(s) will appear on your credit report within 30 days. In some cases, they will appear within one to two weeks. If the credit card(s) fail to appear, you will receive a full refund.

Primary cardholder contracts require you be listed as an authorized user on the credit card account for no less than 60 days. Based on those agreements, we will guarantee the credit card(s) will remain on your credit report for a period of no less than 60 days. In the event unforeseen circumstances cause the credit card(s) to fall off of your credit report prior to the 60 mark, we will either issue you a pro-rated refund of any service fees based on the number of days the credit card was present on your report, or we will re-add you to the credit card for one additional reporting cycle for no additional cost. If customers are looking for additional credit score boost after the 60-day lease is complete, your lease can be renewed under the same terms of your original agreement.

Once your lease has expired, your status as an Authorized User will be removed from the credit card(s). However, most credit card companies tend to leave the account history on your credit report for a period of six months to several years.

The long-lasting benefits of these accounts give you the ability to access more favorable financing and employment options. It will also make it easier to continue improving your credit score over time, though you may be able to continue making improvements while paying lower interest rates than you were previously.

It is important to note that the credit card company may remove the information from your report as soon as you are removed as an authorized user. In that regard, it is often best to avoid procrastinating if you were hoping to qualify for a new line of credit on your own. If your intention is to continue improving your credit score, then the loss of the credit card(s) from your credit report will have a less notable effect on your plans.

Now that you have a higher score, you should take a moment to enjoy the feeling. Then, apply for the loan you had your eye on, or apply to the job you wanted. You can even renegotiate the premium of your homeowner’s or auto insurance, or go forward with starting your own business.

But to make an effort to take care of your new credit score. Don’t acquire debt for the sake of spending money. Now is not the time for a meaningless shopping spree on your newly available credit line. While it can be easy to succumb to temptation or fall into old patterns of using credit irresponsibly, by maintaining self-control and making logical decisions, you can become the master of your financial future.

Instead of risking your new credit score, be smart about your actions. Plan ahead for your expenses, and stick to your plan. Treat your new credit score kindly, and you can make the choices that can take your credit score to even newer heights.Remember, good credit customers pay off their ENTIRE balance in full every month. By putting this into practice, you will be repaid with more favorable rates and better financial options for the rest of your life.

Once you finalize a loan with a bank or credit union, the financial institution is contractually bound to honor the terms of that agreement. That means your rate cannot be changed simply because you are no longer an Authorized User on an account as long as the loan processing has been closed. However, if the trade-lines fall off of your credit report before the loan has closed, the terms may be changed based on the standard policies of the financial institution to which you applied.

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STANDARD Trade Line Plan

Who The Standard Trade Line Plan Is For

One Seasoned Authorized User Account added to your credit for a 60 day time period.This plan is for a person with little to no credit history or credit scores in need of a moderate credit score increase ranging within 25 points . An individual with a well established credit history and is in need of a moderate credit score increase of 1 - 25 points would also benefit from this plan. 

This plan includes:

  • 1 Seasoned Authorized User Account
  • Up to 5k credit limit
  • Up to 5 year credit history

Payment Option 1

$759 Total (save $40)

Payment Option 2

$799 Total

$399.50 1st payment due today

$399.50 2nd payment due in 2 weeks

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PREMIUM Trade Line

Who The Premium Trade Line Plan Is For:

Two Seasoned Authorized User Accounts added to your credit for a 60 day time period. This plan is for a person with little to no credit history or no credit scores and you’re in need of a larger credit score increase ranging within 50 points in just two months. Also, an individual with a well established credit history in need of a larger credit score increase within a 50 point range would benefit from this plan. 

This plan includes:

Account #1

  • Up to a 5k credit limit

  • Up to a 2 year credit history

Account #2

  • Up to a 5k credit limit

  • Up to a 2 year credit history

Payment Option 1

$1498 Total (save $50)

Payment Option 2

$1448 Total

$724 1st payment due today

$724 2nd payment due in 30 days 

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PREMIUM PLUS Trade Line Plan

Who The Premium Plus Trade Line Plan Is For:

Two Seasoned Authorized User Accounts added to your credit for a 60 day time period. This plan is for a person with little to no credit history or no scores and is in need of a larger credit score increase ranging within 50 points in just two months. Also, an individual with a well established credit history in need of a credit score increase ranging within 50 points would benefit from this plan. 

This plan includes:

Credit Line #1

  • Up to a 10k credit limit
  • Up to a 5 year credit history

Credit Line #2

  • Up to a 5k credit limit
  • Up to a 5 year credit history

Payment Option 1

$1649 Total (save $100)

Payment Option 2

$1749 Total 

$874.50 1st payment due today

$874.50 2nd payment due in 30 days

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MAXIMUM Trade Line Plan

Who The Premium Plus Trade Line Plan Is For:

Two Seasoned Authorized User Accounts added to your credit for a 60 day time period. This plan is for a person with little to no credit history or no scores and is in need of a larger credit score increase ranging within 100 points in just two months. Also, an individual with a well established credit history in need of a credit score increase ranging within 75 points would benefit from this plan. 

This plan includes:

Credit Line #1

  • Up to a 20k credit limit
  • Up to a 5 year credit history

Credit Line #2

  • Up to a 10k credit limit
  • Up to a 5 year credit history

Payment Option 1

$1829 Total (save $150)

Payment Option 2

$1979 Total 

$989.50 1st payment due today

$989.50 2nd payment due in 30 days