Hello, I am fairly new to the forum and I hope my question is set in proper thread. My question is regarding the waive of primary tradeline sellers of aged and non aged accounts. 1) Has anyone had any experience with this kind of transaction and are there any recommendations for a reputable seller . 2)For a person who has absolutely no credit except for 2 300.00 limit cards how long does it take for a score to generate 3) If I got a primary tradeline from with age does it have impact ?
Scores are real time. As soon as any type of account begins reporting, an updated score should be generated. It has an impact from the beginning. Sometimes a bit negatively as you shorten your average age. Most people see a nice jump if you have a perfectly positive tradeline turn 2 years old.
Be leary of these companies selling "primary" lines. They all seem to be scams and most of their practices if they can produce would be illegal. Besides, authorized user accounts work just as well as ever. The whole FICO 08' phenomenon can be aptly explained by clicking on "FICO 08' Explained" on our website or by simply googling "FICO 08' - ECOA." In short, stay away from these "primary" lines.
Wow thanks for the answers. I only have 2 credit cards and the limits are 300.00 each not even a month old, I thought i would have to pay for 6mnths or a year to be scored. Apexcrsrv , from what i have been getting from sites and online searches the authorized users dont help anymore, one site cant remember which one but actually said some Au scores were actually decreasing. So Au are still effective for getting a quick score bump?
What sites? MyFico message boards? Did you look at the sites I gave you. Do you think our record and reputation would be what it is if AU accounts didn't work? AU accounts are as effective as ever.
Apexcrsrv , I looked at your site, what is the best time to purchase the AU account so that it hits credit immediately is there a certain reporting date, or is it always 30-45days?
I'm a little late to the discussion but I just had some pretty good luck with CBS Credit. Their website is PrimaryCreditLines.com They don't create fraudulent payment histories, but instead help you open primary accounts with real finance companies to rebuild your credit by making small monthly payments. They also have programs to transfer responsibility on existing accounts in a legal way. Apex is right, stay away from 'seasoned primary tradelines,' but I would suggest going with something more effective than AU's if given the choice.
Most of these setup's are really gray. I'm not saying they're "all" illegal. However, with FICO 08' hitting the toilet as we predicted, AU's are just as good in most contexts.
I just wish people would understand theres no quick fix in credit repair.A little patience and some legal methods will help.The biggest help is time.So spend some time,study what you need to do,post your questions,listern to time proven advice.stay out of the credit card trap.Wait for the good cards just don't get any card because you have to have it.Chances are if it's to good to be true,it's not good.
I agree with the above however, sometimes people have time sensitive needs. When this occurs, adding lines can and do work. I know some people have ethical objections to this and I can respect those objections however, it is legal and effective. Still, I will concede that restoration and rebuilding on your own is the best way to go if you have sufficient time; i.e., one to two years and perhaps, the time to litigate.
If i was on a time line i wouldn't have a problem using your service.What i've read and heard your on the up and up.Oh by the way ror let me post.
Seems everyone can post but, me. That being said, we do make the occasional mistake and are not perfect but, we do rectify the situations when at fault. We're just getting bashed over there by people that were never clients. Just people with an ax to grind. Sad really. In any event, we appreciate your statements and support.
Thats what i said freedom of speech works both ways.You are not able to defend yourself.Some people who think they got screwed over actually screwed their self over.
Assuming Financial Obligations? Not sure if anyone here is privy to this yet, and I know it's been discussed before, but the assuming financial obligations thing is apparently back on the rise as an alternative to the illegal or fake primary tradelines. This company called Assumable Assets or Assumable Accounts actually doesn't even call them primary trade lines anymore, but assumed financial instruments. Anyway the jargon isn't the only thing that seems different, I sent them their setup fee as a test and actually have an account reporting on my credit report, making this literally the first time in like two years of trying that i've ever actually seen a primary tradeline account. Anyone else know of this process being used elsewhere?
(Benhansen) That company is a SCAM don't anybody buy from them. check out the ripooffreport thread. GO TO (RIP OFF REPORT DOT COM) Report: Aged Credit Investors, Dan Barga CEO I paid Aged Credit Investors Dan Barga's company $2400 to add 3 tradelines to my credit and no tradelines were ever added. He is now not taking my calls or responding to any of my emails.
I would seriously advise against bumping posts just to say something and get your post count up in order to spam the board.
aged credit investors so this daniel barga from aged credit investors is a scam? I just spoke with him maybe about 10 minutes ago and you said you spent 2400 on 3 tradelines and he just told me he has tradelines for $300 each.... and maybe its just me but I would not pay anyone that doesnt accept credit card. I refuse to send western union which is basically not that good, cashier check, nor money order. Any company that is not willing to accept a TRACEABLE secure payment I belive to be a scam. Paypal, credit card, something secured people..
