Best Tradeline Companies

Written by Robert Ferry on November 3, 2021
Best Tradeline Companies

Building one's credit is very vital in this era where digital money and wallet are evolving, from purchasing desired goods and services up to paying credits on time and earning rewards for being financially responsible. Nowadays, taking care of your credit score would help you to have a good reputation in your future endeavors. But, what if you still want to improve more of your credit score, or you are otherwise in the situation wherein you are stuck with bad credit score? This is where Tradelines come in very handy and helpful. 

Tradelines are records of each financial activity you make in your account. Acquiring a secured credit card is considered a tradeline as well as having a housing or auto loan. Tradeline can even be another credit line or loan that you have acquired. So without even realizing it, you have a tradeline working in your account. And let's say you have plans to apply for a new loan, and you eventually get approved, then you have another tradeline. In order to have a good tradeline, you have to be a responsible payer. Practicing a good credit routine would help you in having a good and positive credit history. 

Contrastingly, if you have poor tradeline status in your account, it would significantly affect your credit score. The things that will help you counteract that are paying your balances on time, swiping your secured credit card wisely, and monitoring your loan contract terms. It is challenging to have a poor credit history since it would affect other aspects of your financial responsibility. If you have a bad credit history, you would have difficulties in getting a new loan and upgrading your credit limit. 

The good news is that there is a way to make your credit history as good as ever, even if you had a bad record in your account. The slow way of fixing your credit score is to pay your dues on time and improve the quality of your tradeline. However, if you are in need of a faster way to restore your credit and show a high credit score, you might want to consider buying and riding along the tradelines of other people.

In this case, you may have an immediate relative such as your sister, brother, mother, or even father who has a good tradeline, and you can ask them to ride in their tradeline. They can add your name to their account as an additional authorized user but for just a specific span of time. However, if you do not know some of your relatives who have an excellent tradeline credit history, you may need to buy it from other people.

You may buy their tradeline for a short span of time whenever you will need their good credit history in case you need it. Buying tradelines from tradeline companies would be an advantage in cases where you need to upgrade your credit limit. 

Defining a Tradeline Company

If you are in immediate need of a top tradeline and you are desperate to buy one, then finding a tradeline company is what you need. It may sound odd to buy other people's tradeline accounts because you can always have your own, but some people do this when they are in the immediate search for a high credit score in order to show it to whatever loan or purchases they are going to do. 

A Tradeline company sells the account of other people and add you as an authorized user. What if you have relatives or friends' accounts that you can use? This is not a good option, so it is better to buy someone else's account, and that is the role of tradeline companies, to sell and to make agreements. In this way, even if you have a low credit score, you will have the chance to build it up temporarily while using someone else's account. The next thing that we will further discuss is the quality of a top tradeline company and how we can differentiate it from the rest.

How to Define a Good Tradelines Company

In every financial service that we will buy, we have to ensure that it is safe and guaranteed so that we can be sure that our money is not going to be wasted. Here, we will further talk about the qualities of great tradeline companies that we must look into.

1. The integrity of the Tradeline Company

In choosing the best tradeline company available in the market, we want the one who has transparency and honesty when it comes to their operations. They will right away be transparent about their prices and will not have hidden charges. It is beneficial if the Company will list their prices on their website in order for the public to view and be informed early. 

Being honest about the positive and negative reviews of clients is even vital for transparency. Such reviews can expose the strengths as well as the weaknesses of each Company is considered an excellent way to inform people.

2. Affordability of tradeline companies

A company can provide a quality service without being too expensive with their rates. Most people appreciate if prices are affordable but even provide a good service that they can enjoy. 

One of the reasons why people are buying tradelines is because they have had bad credit before, so some of them may not be able to afford too expensive prices. Good tradeline companies even value the sake of a user, so they will ensure that they are giving affordable prices without sacrificing the quality of the service they are giving. 

3. The pace of Posting in Credit History for tradelines

Most tradeline companies will says that they will be able to post your tradelines in 60 days. While it is the most common time span, there are companies that can post your tradelines in a span of one to two weeks. 

The reason that you are availing of the service of the tradeline company is to be able to use the credit history immediately, so you do not have to wait for long in order to enjoy their services. It is essential that a tradeline company will post your credit history in less than 30 days. 

4. Security of Information for tradeline companies

When choosing the best tradeline company, it is necessary that the Company will value every information that you will give them. Since you will be asked to submit government-issued IDs and other documents, you have to make sure that they will be secured because there are many breaches of information happening nowadays. 

On the other hand, you also have to make sure that the affair of getting your information will follow appropriate procedures because if the task is too quick to accomplish, then you have to wonder if they really followed the right steps of information verification.

5. Reputation of tradeline companies

The first question that you should ask yourself when choosing a tradeline company: Is this an established tradeline company and has much experience in the industry? We all want to be involved in companies that have a good reputation in the financial industry. It will be cost-efficient if you know that you will qualify for the best service with the money that you will pay them.

The things that you have to look into are the tenure of service that the Company is operating, the real reviews of people who had experience in this Company and even the rate of success.

6. Customer Service and Response Rate

When choosing a tradeline company, we want to be involved with those who have good customer service. In cases when we have queries regarding our tradeline, we want to be answered accordingly and with good customer service. Most companies give importance to this aspect since it is important for clients to be treated well.

If one client has concerts, the Company must address the issues right away to be able to resolve them immediately. Most clients value that their concerns are given importance. 

Now that we have heard the qualities of a good tradeline. The next question that will be tackled is, what are the best tradeline companies in the market and the features it serves for each of its clients. 

Best Tradeline Companies

In the market, looking for the best tradeline is a challenge since each Company has its own distinct benefits that can fit one's needs. We know that the presence of fraud is emerging, so it is vital to be very vigilant when choosing the right tradeline for yourself. Here, we will talk about the five best tradeline in the market, their pros, and cons, and even the review and rating associated with each Company. 

Boostcredit101 Tradelines

BoostCredit101 is a company located in Colorado that will make sure to post your tradeline after 60 days of paying them. The good thing about purchasing in this tradeline company is that they report to two major credit bureaus so that you can be sure that it will be reflected in your account. Another thing is that they have a high Google rating and their customers response is exceptional.

Pros

  • Good service encryption and data deletion policy
  • Provides a wide range of transparency and sort data based on the limit, price, and statement day
  • Reports to three major credit bureaus
  • Educational blogs and professional advice

Cons

  • Complicated online process of buying tradeline
  • Slow posting speed of tradelines

Superior Tradelines

Superior Tradelines is a company located in Florida in 2010. It is a company that allows you to buy someone else's tradelines in order to provide you with a high credit score.

Pros

  • The Company's website is very educational and informative for its clients
  • Good and approachable customer service
  • Provide refund policy 

Cons

  • Complicated company procedures for the approval process
  • Expensive cost of buying a tradeline

CreditPro Tradelines

CreditPro has maintained its integrity since they have been operating for years now. It was established way back in 2007 and since then has been trusted by lots of clients due to its tenure of operation. 

Pros

  • Offers affordable prices for clients
  • Quick and easy application process 
  • Refund policy in case of any disputes

Cons

  • No guarantee increase of credit score
  • Lack of transparency in their transactions

Additional Best Tradeline Companies

Improve My Credit Fitness Tradelines 

Improve My Credit Fitness is one of the companies that offer authorized user tradelines. They have an inventory of people with the highest credit scores who are willing to accept others to become part of their authorized user tradelines of their credit accounts.            

Pros

  • They offer a free consultation before you sign up
  • Less than 60 days of reflection of credit report
  • They have a refund policy if tradeline does not appear in 60 days

Cons

  • Expensive tradeline package deals
  • Limited information on their website

Tradeline Supply

Company Tradeline Supply is a company that offers a 100% tradeline buying service in order to keep their cost cheaper as compared to other tradelines in the market. They have fully automated systems that are attractive for a user. As an integral part of their service, they offer financial education. They are considered as one of the leading companies when it comes to the tradeline industry. 

Pros

  • Offers very affordable and low prices
  • They report to at least two major credit bureaus
  • Excellent service for customers 

Cons

  • The credit report can take up to 6 weeks to reflect
  • No guarantee about credit score status in tradeline

Credit Tradelines Usage Legal or Not?

Now that we have heard about the best tradeline companies in the market let us answer the question about the legality of using credit tradelines. Most people buy tradelines in order to repair their credit scores so that if they are planning to purchase or apply for loans, there will be a guarantee that they will be approved right away. 

It is legal to purchase tradelines, and it has been considered an effective way to boost one's credit score. Though it may seem a bit weird to hear about buying one's account in order to use it temporarily, it is a legitimate way to boost one's credit history. There are no federal laws prohibiting people from purchasing tradelines in the market. However, if you will enter the market of buying tradelines, it is very important to do your research and study further the things needed before you purchase tradelines. 

The first thing that you need to take into consideration is the authorization of the Company to operate. When entering this platform of building a credit score, most banks will conduct a background check in order to know if one person is eligible to apply for a certain loan or not. Being a rider in another person's account is complicated since you are not the person building the credit history. In addition, when buying a tradeline, you have to give some of your personal information, which may deem dangerous because your data might be used against fraud. 

Authorized User Tradelines

If you are listed as an authorized user of another person's account and the relationship that you have with that person is not specified, the loan provider will wonder why you are able to use someone else's account, and this may even cause refusal of applied loans. In this case, it may cause some inconvenience on your part since you've already purchased tradelines in a company. That is why it's very important to look for a tradeline that will be able to guide and accommodate your concerns if ever these situations happen. Having a tradeline company that has a reputable name and has been running operations for a long time is really an advantage and will give you the assurance that you need. The presence of scams is alarming these days since it is quite growing, so if you are with a trusted tradeline firm, you do not have to worry about these things. 

Finding the best tradeline is very important so that you are assured that your money is in safe hands and you can enjoy the best service available in the market. If we will contemplate, there are lots of advantages of buying tradelines as compared to the disadvantages it has.

Advantages of Purchasing a Good Tradeline Company

You are probably asking yourself what is really the use of buying tradelines? Well, the answer is very simple, and we have indicated that in the earlier passage, but we have to go in specific as to how these tradelines can really help a person who wants to have a good credit history for a certain period of time. Below, we will see the benefits of buying tradelines and how they can help one's credit history. 

 Increases your Chance of Getting Approved for a Loan

If you have a good credit history, there will be a bigger chance for you to qualify for the loans that you are applying for. If the loan provider sees that you are a responsible payer, then they will give you the approval to get a loan because they will not worry if you will be able to pay on time or not. Most people who have good credit history are given the loan again, so if you ever intend to buy a tradeline, it will be beneficial in applying for loans. If you have a tradeline, it will also boost your confidence in getting approved for a loan since you already know that this tradeline will allow you to have a good credit history for a period of time. 

Less Interests for a Loan

The first thing that you have to understand is that less interest is not for everyone. Most loan providers give less interest to those with good credit history to give them some incentives in return because they also earn from the interest for each loan. 

If you have purchased a tradeline that boosts your credit history, you can guarantee that you will get a lower interest rate which can also allow you to save some pennies in your pocket. 

Higher Chance of Landing a Job

In applying for a job, most employers will conduct a background check in order to fully know you as a potential employee in the Company. Nowadays, employers are being diverse in their background checks, and they add your financial capabilities to see if you are responsible. Having a good credit history with the help of a tradeline will boost your chance of being accepted in a certain company that you have applied to.

In addition, the employer may also view you as a responsible individual who will not abuse the budget of the Company if ever you will be accepted. Your financial responsibility will also reflect in your work ethic, so it is also important to have a good credit history. 

Increases your Chance of Renting a House

If you are thinking of renting a house or an apartment, getting a tradeline is beneficial because it will boost your chance of getting approved. The landlords value those tenants who can be able to pay on time without delays because it is their source of income.

Landowners or landlords will use your credit history as a reference of how well you are paying your debts and liabilities on time. If you have a poor credit score, it is a big turn-off for them since it is their source of income. Thus, buying a tradeline can be beneficial in this situation. If you have a good credit score, then you will have a high probability of being approved, and you can enjoy renting a place without stress. 

Convenient Auto Insurance Rates

If ever you are wondering if credit score has an impact on your auto insurance rates, the answer is a big yes! It really has an impact because your credit history will be a basis for the contract of insurance rates. The Insurance Information Institute or III mentioned that people who file more claims are those with poor credit scores. 

Car insurance providers charge higher to those with poor credit history, so buying a tradeline in this aspect will really help you have that good credit history that you need. Bad credit is being used as a reference to charging you higher than those with good credit history, so it is beneficial to buy tradelines to avoid paying higher fees. 

Steps in Purchasing Tradelines

Purchasing a tradeline is not as tedious as when you are choosing the best Company for it. The process of purchasing a trade line is different depending on the type of tradeline and what Company you will purchase it with. Here are the steps in purchasing tradelines:

Select a Top Tradeline according to your preference

The first thing that you need to do is to search for tradelines that match your preferences and needs. If the account is established, it means you need to pay more for it. 

Most people think that having many tradelines is better than having few tradelines, but then it is not always the key to having good credit scores. It is better to acquire a few tradelines with good quality and credit history. Plus, it will also save you some amount of money if you are mindful of the tradelines that you are going to purchase. 

Carefully read and sign the contract for the best tradeline

You have to carefully read the agreement and acquaint yourself with the terms and conditions written in the contract so that you will not be surprised if something happens. Always remember that purchasing tradelines does not mean it will be with you forever; you will just rent it for a specific time, so you have to bear in mind the terms and conditions in the contract.

In the contract, the rights of a borrower are listed there, so it is beneficial to familiarize yourself with that. Before signing the contract, make sure that you understand the terms and conditions. You can also ask questions to the Company if there are things that seem quite confusing for you. 

Accomplish the payment process for the best tradeline

After signing the contract, it is now time to proceed with the payment options. There are many available payment platforms such as online or deposit in the bank. The payment methods have also become very convenient nowadays since you can just pay over the phone or through the use of your digital gadgets. 

Make sure to always keep the receipts of your transactions so that you will have a reference when you need to go back to them.

Submit the necessary documents for the best tradeline

The tradeline companies will ask for your documents to make the transactions valid. You need to provide the necessary documents to provide the authenticity of your identification. Some companies will ask for your social security cards and identification cards. 

Some tradeline companies have advanced digital systems that will allow you to upload your documents in their system for convenience. Before submitting any document, make sure that the system of the Company is secured and authentic. 

Monitor your credit report for the best tradeline

The final step is to check if your credit score has been reflected in your credit history. The posting time depends on the Company you have joined because every Company has a different posting time and schedule. 

You do not need to worry because some companies will update you if the credit score are reflected in your credit history. You might want to follow up with them to ensure that your credit history will be updated. 

Frequently Asked Questions (FAQs) about Tradelines

Let us see the common questions that people usually ask in order to know more about tradeline companies. Here are some frequently asked questions and answers.

Conclusion

Tradelines are beneficial to keep your credit reports in good condition in case you need to apply for a loan or to buy something that you need and desire. Right now, even if you have a poor credit history, you will be given a chance to borrow someone else's credits as long as you are willing to pay for the specified amount that each tradeline has. Tradeline companies are tools for people to borrow one's credit score. They are considered as a bridge between the tradeline buyer and seller to come up with an agreement, and in return, they get their commission for every contract closed. 

We have defined a good tradeline company, and it is very important for a company to have integrity, affordable prices, fast posting of credit, security of information, good reputation, and good customer service and response rate. 

We, at Credit Optimal, have enumerated the five best tradeline companies, such as one of the top tradelines, Boostcredit10, a company located in Colorado that will make sure to post your tradeline after 60 days of paying them. Another is Superior Tradelines, a company located in Florida in 2010 and even CreditPro that has maintained its integrity since they have been operating for years now. In the list, we have to Improve My Credit Fitness as one of the companies that offer authorized user tradelines and even Tradeline Supply, a company that offers 100% tradeline buying service in order to keep their cost cheaper as compared to other tradelines in the market. We have learned that tradelines are very legal to purchase, and it has been considered an effective way to boost one's credit score.

There are advantages to buy tradelines, and the first is to increase one's chance of getting approved for a loan, followed by getting less interest for a loan and a higher chance of landing a job. Tradeline increases the chance of renting a house and having cheaper and convenient auto insurance rates. After knowing the advantages, it's important to know the steps in purchasing tradelines. The first step is to select the tradeline according to your preference, followed by carefully reading and signing the contract. The third step is to accomplish the payment process, followed by submitting the necessary documents. The final step is to monitor the credit report.

Overall, it is very important to be knowledgeable in choosing the tradeline that you will buy the tradelines with. Choosing the right tradeline will define the failure and success of every transaction that you will do. It is very vital to be informed about different tradeline companies and choose what works best with you. 

Article written by Robert Ferry

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