- Who can benefit from tradelines?
- What kind of tradelines do we have?
- Why Don’t You Sell Primary Tradelines?
- What if I have zero credit?
- What do we guarantee?
- Do you work with CPNs?
- How long does it last?
- Can I buy lines for only One Cycle?
- Can I buy lines for more than Two Cycles?
- What’s the main benefit?
- If I have negative marks on my credit will a tradeline help me boost my score?
- How long does credit repair usually take?
- How many tradelines do I need to boost my score?
- Is utilizing tradelines ethical?
- What is the difference between authorized user tradeline and primary tradeline?
- What happens after I am removed from the card?
- Do you add tradelines for businesses?
- Do you verify my information?
- How do you securely store client information?
- Why choose Boost Credit 101 as a tradeline provider?
Who can benefit from tradelines?
Not everyone may benefit from adding a tradelines. Current utilization rate, average account history and current payment history plays a big role in the health of your overall credit. Everyone’s report is as unique as they are. In essence, your credit report is your financial DNA. This is why we ask to speak to everyone who purchases from us and give them a free, personalized consultation to make sure tradelines (and which tradelines) are right for them.
What kind of tradelines do we have?
We have Authorized user Tradelines only at Boost Credit 101
Do You Offer Primary Tradelines?
We do not offer primary tradelines.
What if I have zero credit?
If you do not have any credit established, you have what is called a thin file. Tradelines may help you start building your credit history.
What is your refund policy?
We offer a 100% money-back refund policy per the terms and conditions of our contract. Our contractual guarantee is that we will post our tradeline(s) within 60 days. Usually it takes no longer than a month, at maximum, and is average somewhere around two weeks. Within that guarantee are others: we guarantee the line(s) will post to 2 out of 3 bureaus, but we cannot say which 2, and most of the time they post to 3 out of 3. We also guarantee that all of our lines will stay on for the paid for amount of cycles, be it 2, 3, or 4; also that all tradelines have perfect payment history and are below 10% utilization. If, for whatever reason, a line does not post to 2 out of 3 bureaus, we will always offer you either a replacement or a full refund of your money. We do not guarantee any specific credit score increase.
Do you work with CPNs?
We do not work with CPNs. All of our clients are subject to verification via a third party background social security check and identity verification.
How long does it last?
All of our tradelines are sold for a minimum of 2 cycles, which is approximately 45-60 days. We also have unique packages with tradelines sold for 3-4 cycles. These tradelines are for people with goals that take longer than the standard 2 cycles. If you want to compare our lines to other companies, this is usually the question that gives an apples to apples comparison, as we leave our lines on 2x as long as most of our competitors.
Can I buy lines for only One Cycle?
No. We sell all of our tradelines for a minimum of 2-cycle increments in order to protect our cardholder and provide the buyer with the extended benefit of extra cycle.
Can I buy lines for more than Two Cycles?
Yes, we can extend an order if circumstances call for it, for another two cycles. We do need advance notice of this, about three weeks before the line will drop off. We also sell packages with specific tradelines which will automatically be added for 3 to 4 cycles.
What’s the main benefit?
The main benefit of purchasing tradelines is time. As an example, let’s say you have cleaned the negatives off your report, or you have a nearly blank file for whatever reason (never used credit, are very young, etc), then the traditional process would be to get a secured card, or some type of credit building loan, and pay on these for 6 months to a year before you are able to even think of applying for an unsecured card, get an auto loan, etc. Tradelines will give you the same, and usually much better, results in as little as 30-60 days.
If I have negative marks on my credit will a tradeline help me boost my score?
Any positive data you put on your report will have an impact. How much depends on what you already have on your reports. We recommend that people try to get themselves into the best possible position to take maximum advantage of the tradeline(s).
How long does credit repair usually take?
Traditional credit repair takes anywhere from one month to several years. Boost Credit 101 does not offer traditional credit repair services.
What is the difference between authorized user tradeline and primary tradeline?
Primary tradelines are in the first position, which means you own them. Purchasing these is getting involved with financial fraud. Authorized User tradelines are in the secondary position, as you are not the primary cardholder, and are the only legal way to add data to your reports that does not belong to you.
Do you add tradelines for businesses?
We do not add tradelines for businesses. Unlike personal credit, business credit reports data to Dun & Bradstreet instead of Experian, TransUnion and Equifax. Therefore, adding tradelines to businesses is not practical or possible. To learn more how to build your business credit profile please visit www.dnb.com However, if you are a personal guarantor you will be required to have strong credit yourself and may need tradelines to improve your personal credit profile.
Do you verify my information?
Yes, we do our due diligence to make sure that all customers who purchase from us are who they say they are and are representing their true data. This is to prevent people whose intentions are to commit fraud. We utilize a multi-layer verification system that allows us to identify any potential red flags in your application and the identity information that you furnish to us. Clients verification is our top priority.
How do you securely store client information?
We have encrypted servers where we store customers data. After 90 days, we purge customer data from the site.
Why choose Boost Credit 101 as a tradeline provider?
We are the only company who verifies and protects our clients and cardholders to the degree we do. This means that our lines are at lower risk of shut down. We’ve been in business over five years so we are able to offer battle-tested advice. We consider customer service and education more important than profit. We view the failure of our education system to inform the populace about the very important and vital subject of credit, so we don’t mind answering any and all questions regarding your situation and the general state of the credit industry. We have contracts and guarantees in place to protect you as a consumer and inform you fully before you sign with us. We do not advise purchasing tradelines if it is not in your best interest, ever.
