Tradelines to Build Credit – 50+ Score Increase
This secured card reports to all 3 credit bureaus, reports within 30 days.
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• Credit Strong- Credit Builder Account
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• Grow Credit- This allows you to build your credit and offer different plans
• First Progress- FAST 7 Day 3 Credit Bureau Reporting, reports 7 Days After
Funding Your Account.
CPN and SSN / No Credit History Required, Your Credit Card Used and Accepted
Nationwide.
• Leaseville- FAST 7 Day 3 Credit Bureau Reporting, reports 7 Days After
Funding Your Account, CPN and SSN / No Credit History Required, Your Credit
Card Used and Accepted Nationwide. Simply add the item(s) to your cart, register
your account and continue to checkout. At the end of checkout, fill out the online
application and get a decision instantly.
• You can qualify for a spending limit up to $4,000.
• Once you're approved, proceed to review, and sign your lease agreement. •
After you Sign and the initial payment clears, you're all set.
• REMEMBER THIS IS YOUR CREDIT REPORTER!!! Prompt payments will enable •
more credit approvals.
• Crown Jewelers- This company reports to all 3 credit bureaus.
• Extra- Build your credit1, Keep your bank account2, No interest or surprises, An
amazing reward, No credit Check, Annual Fee of $149-200, reports to all 3 credit
bureaus.
Tradelines to Build Credit – 50+ Score Increase
BoomPay- Boom enables you to split your rent into smaller installments or build
credit with the rent payments you already make. Boom has partnered with the
three major credit bureaus to report your rent payments and give you a major
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credit-building advantage.
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CPN FRIENDLY BANKS……
• US BANK
• CITI BANK
• CAPITAL ONE 360
• WELLS FARGO
• CHIME DO NOT GET A CHECKING ACCOUNT AT THE SAME BANK YOU HAVE AN
ACCOUNT WITH FOR YOUR PERSONAL SOCIAL SECURITY NUMBER. I HIGHLY
RECOMMEND GETTING AN ACCOUNT OR A PREPAID CARD USING YOUR CPN
NUMBER SO YOU CAN PAY OFF THE BALANCES FOR ALL OF THE ACCOUNTS YOU
HAVE WITH YOUR CPN.
REFERNCE SITE: https://digitalhoney.money/how-to-get-a-free-tradeline/
The Difference Between Primary Tradelines and Authorized Users
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Getting a tradeline of your own is a great choice. But for some, it
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may not be possible. For those who have a negative
tradeline/credit history, being an authorized user can be a great
way to start improving their credit. An authorized user is specific
to credit cards. Here, someone adds you to their credit card as an
additional cardholder. When they do, that account will usually
appear on your credit report with the notation that it is an
authorized user tradeline. If the account is paid on time and
balances are kept low, it can help your credit scores. Make sure
that the person responsible for the account you are an authorized
user on will pay on time. If they fall behind on payments or run up
a large balance, it could negatively affect your credit scores.
Primary tradelines are those where you are noted as the primary
account holder. This tells the credit bureaus and creditors you are
responsible for paying off the debt incurred. They are a great way
to build credit.
How Tradelines Work
The term tradelines describe the different accounts you see on
your credit report. There are two types of tradelines: revolving and
installment. Installment tradelines are loans such as a mortgage,
student loans, etc. Revolving tradelines generally refer to credit
cards. If you want to improve your credit score, getting a free
tradeline with positive information can be immensely helpful.
Tradelines provide lots of data to credit bureaus. They report
everything from the type of account-to-account status. This
information will appear on your credit report and can affect your
credit scores. Tradelines can help boost your credit scores if you:
How Tradelines Work
Pay at least the minimum amount due
Make payments on time
Avoid maxing out a credit line If you already have a lot of
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tradelines, but don’t have a good credit score you may want to
look at:
Lowering your credit utilization ratio
Paying off a few tradelines
Diversifying with different account type
Increasing revolving account payments
Whether your report lists inaccurate late payment For those
with not enough tradelines or those looking to add some
tradelines with a positive history, you may want to consider
these options.
How Much Does It Cost to Buy a Tradeline?
While you can get a tradeline and overtime use it to build your
credit score, some people want faster results. Those who want to
speed up their DIY credit repair and see their credit score to go up
faster may buy a seasoned tradeline. Here, you pay someone
(usually through a broker) to add you to their account. Tradelines
typically range from $200-$1,500. The cost of the tradeline
depends on factors such as the length and type. Sometimes a
tradeline company may have some cheap tradelines for sale, but
they will probably be less valuable. Outside of the cost of buying
tradelines, there is another major issue to consider. While buying
and selling tradelines isn’t illegal, FICO does not condone the
practice. While the tradeline you purchased will probably show up
on your credit report, FICO tries to ensure the account is removed
from any credit score calculations. It is better to focus on becoming
an authorized user for a family member or someone you know, and
slowly build your authorized user tradelines up yourself.
Tradelines to Build Credit – 50+ Score Increase
Tradelines You can Obtain Yourself for Your CPN and or Personal Credit (for free)
(Please
Use Note, if you’re
the Acrobat Reader app adding this Tradelines to a CPN you can make your deposit
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using a current debit card or bank account but moving forward DO NOT USE YOUR
PERSONAL DEBIT CARD OR BANK ACCUNT TO MAKE PAYMENTS FOR ANY ACCOUNTS
YOU HAVE USING YOUR CPN. I HIGHLY RECOMMEND GETTING A CHECKING
ACCOUNT USING YOUR CPN TO PAYMENT OFF YOUR CPN ACCOUNTS. IF YOU HAVE
A CPN (CREDIT PROFILE/PRIVACY NUMBER) I DO NOT RECOMMEND ADDING THE
SAME TRADLINES ON YOUR CPN AND YOUR PERSONAL SOCIAL.
IF YOU’RE BUILDING YOUR PERSONAL CREDIT AND YOU HAVE A CPN I SUGGEST
DIVIDING THE TRADELINES RATHER THAN USING THE SAME TRADELINES. IF YOU
DON’T HAVE A CPN, THEN JUST BUILD YOUR PERSONAL CREDIT WITH ANY OF THESE
TRADELINES BELOW.
• Self Lender- Is a great way to start building your CPN or your Personal Credit. If You
have a selflender account for your personal credit, I do not recommend getting it for
a CPN. This company can report to your credit report many ways which will help build
your profile. This will start to generate a score within 30 days.
• Credit Sesame- This company allows you to monitor your credit report, it provides
you your Transunion report for free, but you can upgrade to get the report for all 3
credit reports.
They offer something called sesame cash which allows you to get a secured card with
them, make deposits on it to add money. I recommend using the card for things like
groceries, gas, and small items. Pay the bill on-time and this will start to trigger a
score for your credit reports within 30 days.
• Merrick Bank- A $200 security deposit is required.
