720 Credit Builder

WHAT IS A TRADE LINE?

All of our trade lines are reported to your credit file as open, revolving, Installment, auto, and unsecured accounts from major US banks or financial organizations.

 

 

WHAT DO YOUR TRADE LINES CONSIST OF?

All of our trade lines have anywhere from 2 to 9 years of positive payment history with 5% to 20% Remaining Balances, reported with frequent activity, credit limits of as high as $100,000 and low balances for the best scoring. 

 

HOW DO I DETERMINE THE CORRECT TRADE LINE TO USE?

During your initial consultation, our staff will offer you their best estimate on which of the trade lines will optimize your results. 

 

HOW LONG DOES IT TAKE BEFORE I WILL SEE RESULTS?

After we finish processing, it generally takes 30 to 45 days for the trade lines to report, rarely, it may take up to 90 days. 

 

IS THIS LEGAL?

Yes, it is completely legal. This technique has been used for years by mortgage brokers, bankruptcy lawyers and real estate agents to help their clients establish trade line accounts with history, to boost their credit score. Please Read the 1974 Equal Credit Opportunity Act, for the legal statutes and codes. 

 

HOW SAFE IS MY INFORMATION ONCE GIVEN TO YOUR COMPANY?

Your information is 100% safe. Your information is NOT shared and/or sold to any 3rd party distributor. All of our trade lines are in-house, owned by the principals. 

 

CAN YOU PROVIDE MORTGAGE TRADELINES?

Yes, we recently obtained the ability to provide mortgage tradelines up to $400,000. The pricing for these and all other tradelines are listed on our website. 

 

DO YOU OFFER ANY GUARANTEES?

Yes, we offer a 100% money back guarantee to report each Authorize User Tradeline status to each trade line you contract with us for within 60 days. Every client's credit file is different, so individual credit score increases will vary depending on how many negative accounts currently reporting on their credit file. Therefore, we can not guarantee the amount of increase you will receive. 

 

HOW LONG WILL THESE TRADE LINES REPORT TO MY CREDIT FILE?

Our positive trade lines will stay on your credit file. We keep our clients accounts "Open" for at least 60 Days. After this time they are closed, but still have the good history showing on your profile. If you need a trade line to report for an additional amount of time, just let us know. Each tradeline can be continuously reported as Open monthly after the original 6 months for a nominal price. 

 

ISN’T THIS JUST CREDIT REPAIR?

No, absolutely not. We specialize in credit enhancement. Our unique program allows you to take advantage of the spotless Primary Credit, thereby extending you a second chance to build your credit the right way. 

 

HOW MANY TRADE LINE ACCOUNTS ARE AVAILABLE?

We offer a wide range of trade lines, from a high balance of $5,000 to mortgage loans that are $400,000. Also, a client can order multiple lines to add to their credit profile, as many as they can afford. Of course, all trade lines are subject to availability.

 

 
ARE THERE ANY ADDITIONAL FEES?

There are no additional fees, once you make your initial purchase - the tradeline is yours. 

 

WHY WOULD A TRADE LINE NOT REPORT TO THE CREDIT BUREAU ON A REGULAR BASIS?

Each trade line is different, with their own guidelines and rules.. Please allow between 30 to 45 days for the trade lines to appear on your credit report. 

 

WILL YOU PULL MY CREDIT REPORT?

We will not pull your credit report. We advise all clients to pull their own credit report from Equifax, Trans Union or Experian and sign up for a credit monitoring service, so you are notified when your credit score goes up. 
THE CONTRACT AND PAYMENT AUTHORIZATION FORM ASKS FOR MY SSN (SOCIAL SECURITY NUMBER), CAN THIS BE REPORTED TO MY EIN (EMPLOYER IDENTIFICATION NUMBER)?
Yes, you can supply either for us to add your trade lines. If a client wishes to use his/her CPN (credit profile number) it is their choice. We will attempt to add tradelines to this number that was provided. 

 

HOW MUCH WILL MY CREDIT SCORE INCREASE FROM ADDING THESE TRADE LINES?

Credit score increases vary depending on how many trade lines are added, how many negatives are currently reported and all the other factors involved by the credit reporting agencies in creating your credit score. However, typically increases range from 20 - 50 points per line. 

 

WHAT TYPE OF PAYMENT DO YOU ACCEPT?

 

We currently accept Escrow, ACH and Bank Deposit.