TRADELINES FROM Pure Business Capital

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First, what is a tradeline? A tradeline is the industry term for any credit account that appears on your credit report. We evaluate your credit reports to see if tradelines will help; if so, we get your data, submit it to the lender (e.g. Chase, Bank of America, Discover, etc) and the lender reports the data to the credit bureaus. When this data posts, your credit will update utilization ratios, age and payment history for each tradeline posted. What makes tradelines so effective? Glad you asked. First, have a look at how the 3 credit bureaus evaluate your score.

Tradelines provide positive data on three evaluation factors: Payment History, Amount owed, and Length of History. These factors comprise as much as 60% of your credit score. When we post an authorized user tradeline, you are benefiting from the age of the tradeline, the availability of the limit (always utilized under 10%), and the perfect payment history.

With 11+ years in the industry, our corporate ownership boasts experience no other company or owners can provide and our Team has proven to be one of the most trusted tradeline providers with 5 star reviews across the board anywhere online. Here are some tips to help you while you shop for tradelines. Any company that is offering tradelines for sale should be screened carefully for their online reputation. Maybe the company or person offering lines has a price that completely undercuts everyone else you’ve looked into, or maybe they offer the tradeline(s) for a very long period of time, a year even.

When it comes to anything money related, or life in general–if something sounds too good to be true, it usually is, but with any tradeline company, there are some basic minimums you should expect to be met.

• 1.      Do they have a contract?
• 2.      Do they have a website/online reviews?
• 3.      Do they have a customer verification process?
• 4.      Do they make it very clear what, exactly, it is they guarantee?
• 5.      Do they offer a refund? What is their refund policy?

Any company that takes your money without having you sign a contract is obviously not a serious business. There are legalities, even in this wild west of finance, that need to be navigated. No contract means they are amateurs, and amateurs have a tendency to disappear and take your money, which leads to the second point. Do they have a website? Can you leave reviews? Anyone who will take your money and not be afraid of a bad internet review is unlikely to be a legitimate tradeline source. It may not seem like much, but negative reviews will sink a company (or person’s reputation) quickly, as it becomes clear they are not there to help customers, but are looking only enrich themselves.

Do they verify your identity? Any company that sells tradelines that does not verify your identity means they are in business with people who are scammers themselves. Financial fraud is rampant in all parts of the financial industry, and any business or person who doesn’t verify you is, by definition, potentially in business with some shady folks.

Does the person(s) selling tradelines let you know exactly what you’re purchasing? Saying you’ll get a certain amount of points on your report by adding lines, or achieve a certain score, should raise red flags, because nobody but the Fair Isaac Corporation (FICO) knows how this data truly affects scores, and their algorithms are not public. Tradelines can give outstanding results, but they are very similar to investing in the stock market, and what’s the one thing all advisors say?…”Past results are no guarantee of future returns.” With tradelines, you’re purchasing a tool that will allow you to better your utilization, account age, and add positive payment history to achieve your financial goals, but you should have a very, very clear idea of what it is you are purchasing. How long do the lines stay on, what kind of utilization do the lines have, what is the cost, how many bureaus are guaranteed, etc.

If you’re perusing the net in search of tradelines for sale, how do you find the best price? There’s good news and bad news here. There are tradelines that people sell very cheaply, the bad news is that they are probably scammers, or don’t know what they’re doing and you won’t get lines posted. Any legitimate company with tradelines for sale will be able to post them correctly, the semi-bad news, they are more expensive, but you get what you pay for.

The truth is that when you are looking at buying tradelines, more often than not you will need to educate yourself on the factors that impact the price of an underling tradeline package. This is because legitimate companies have customer service reps, developers, cardholder partners, and this means that their products will be more expensive, but buying from them is how you know you are getting authentic seasoned tradelines.

There are whole markets designed around the mimicry of high-quality, expensive products: Louis Vuitton, Oakley's, Prada, etc. where you’re paying pennies for a forgery, which usually means you’re buying junk. If you want to buy tradelines, like anything, you should shop around, but always remember the axiom, if it sounds too good to be true, it probably is. More importantly, any tradeline company selling seasoned tradelines should give you a free consultation and ask you qualifying questions after they review your credit and understand your financial needs. After all, you may not need to buy a tradeline(s), but instead direct those funds towards paying off your existing revolving debt and leveraging your budget properly to payoff existing collections. Our free consultation will give you a better roadmap on what is likely to be a proper fit for a seasoned tradeline package.