Is someone that is “authorized” to be placed on a credit account. When you become an Authorized User on someone’s Credit Card account, you agree to adopt the future and past credit history of the account.

A primary tradeline is an account that is created by you, under your name. A good example of a primary tradeline would be an auto loan you are making payments on each month. The auto installment loan in “your” name is the primary line. Most primary tradeline sellers are not legit. Those that are legit are most likely buying debt that once belonged to someone else, charging a crazy upfront cost, and is now handing the gift to you so that you can continue to payments. If you need a list of solid primary lines that can be easily approved for, send us an email and we would be more than happy to provide it to you.

Most lines report for 60 active days, unless stated otherwise. Some bundles and certain tradelines will report for 30 days active. If you are happy with the line you are currently on, you can submit a request to extend at least 1 week before the next billing cycle.

After a tradeline is “terminated’ or “closed”, it will still have a large, positive effect on your credit history and scores. Most tradelines will stay on your reports forever, or at the very least for many years. Johnson Expert Credit 7 Tax Services cannot guarantee the exact amount of time they will show on your credit reports.

While it is 100% legal, it can be deemed dishonest by creditors and lenders. One-third of Americans are already using other people’s credit to improve their scores. While they typically do so by becoming authorized users on friends’ and family members’ accounts, is that really different than using a third party’s credit history? Many would argue “no.” Bottom line, it comes down to what “YOU” the buyer believes is moral. Before I started this company I would always Payday lenders thrive and remain legal. These predatory payday companies that attracts people in bad situations by offering them a small loan with a ridiculous fee. Before you know it, you become caught in a cycle where you never have enough to pay off the loan.

I Not a lot of people under stand or even know what “buying” authorized tradelines are so there will always be the opinions of those who are uncertain. The only reason we continue to overcome the challenges of running a high risk business like this, is because we believe that it works with proven results. We’ve witnessed hundreds and thousands of GOOD people with bad credit turn their lives around. There are so many more pros than cons. The rewards outweigh the benefits bottom line.

Everybody’s credit profile is unique. Some people have a great score, but high utilization. Others have many negative items and inquiries. Then there are those that barely have anything,not even a score. To see a great difference in your scores will be depend on the History and the limits of the card. Obviously a 1993 Capital one 21K will have a stronger impact than a 2012 $500 limit capital one. Now if we add them to your credit profile and compare the reports with 50 other people. More than likely, people will have different boost in points. Due to many factors in one’s credit profile it is hard to determine an exact number, but if you would like to have a credit specialist take a look and educate you with what they believe would be the most beneficial, shoot us an email today!

You adopt the full credit history, even if it is 10+ years of history, so see if Grandma and Grandpa have a Credit Card they can add you to.

The Credit Card will NOT have past late payments. Our cardholders must maintain balances below 10%. We provide advice for those who are unsure of what they want. WE ARE INCOMPARABLE when it comes to our RATES and Quality of Service.

We are AFFORDABLE. There is nothing worst than being in the hole and having to spend thousands of dollars

Address-tied tradelines; requires the buyer to update their address to match the card’s statement address in order for the tradeline to properly report. These credit cards only request the name and dob of the authorized user being added so updating the address is the key to get the lines to show. If the address is not updated, the tradeline may not report at all.

SSN-tied tradelines- The buyer provides their name,dob, and ssn when making a purchase. This information is requested from these credit companies when adding authorized users. The authorized user does not need to make any changes to their credit reports. The tradeline will post within the given time frame.

Most tradelines usually post to three (experian,equifax,and transunion) major bureaus no later than 14 calendar days after the specified reporting date. There are times that the tradelines report to only two bureaus. That is normal.