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Personal Credit Tradelines
What is seasoned trade liness
Trade lines are major revolving credit card accounts that are reported on your behalf as PAID AS AGREED. Any account reported on your credit file is considered a trade line. Seasoned trade lines are accounts that have been established for a long period of time with a perfect payment history.
Examples of Trade Lines:
* Mortgages
* Car Loans
* Credit Cards (the key to high credit scores)
* Computers
* Furniture Payments, etc.
How long will the line stay on my report?
It is important to note that authorized user tradelines are a temporary solution. While the average time a tradeline will stay on your credit report is between 6 and 12 months, we recommend that you be ready to apply for your immediate credit goals right away. In the very unlikely case that the line falls off of your credit within the first 30 days, we will replace it at no charge, but it is in your best interest to be ready to use your credit right away when the tradeline posts.
How long will the line stay on my report?
Once we receive your payment, our standard processing time is between 6 and 8 weeks for the tradeline to show on your credit report. Once the tradeline has reported, you will immediately see your associated credit score increase. If you have a specific deadline and need to ensure that your line reports more quickly, we offer an expedited service for a 25% upcharge that will guarantee that the line is put onto your credit within 30 days
How to Build Credit Fast
Building credit isn’t normally a particularly fast process. In fact, it can take years to build up a healthy credit score. However, with a method called “credit piggybacking,” Wadsworth Capital Group is able to help our clients build credit fast.
Piggybacking involves adding you as an authorized user on tradelines with a healthy credit standing. That means you get a boost in your credit, also called an enhancement, just by being associated with established, healthy credit tradelines.
By using healthy tradelines you can build credit faster than doing so the old-fashioned way alone. Of course, even when using tradelines for credit repair, it’s important to actively work toward improving your credit with responsible fiscal decisions. Feel free to contact us for help!
How much does tradelines cost?
up to $5,000 Limited with 1-2 years - $850
up to $7,000 Limited with 1-2 years - $950
up to $10k limit with 3-5 years - $1250
up to $20k limit with 5+ years $1550
up to $40k limit with 5+ years $1800
Any limit with 10+ years $2000 depending on the limit
