What is a Tradeline, how does it work?

What is a Tradeline, how does it work?

What is an Age Progressional Tradeline Packages?

What is an Age Progressional Tradeline Packages?

Are Tradelines legal?

Are Tradelines legal?

What is our return/refund policy and disclaimer?

What is our return/refund policy and disclaimer?

Contact us today at support@creditsavvi.com or Call us @ (888) 502-3111 Monday - Friday | 9am - 9pm Eastern Time

Contact us today at support@creditsavvi.com or Call us @ (888) 502-3111 Monday - Friday | 9am - 9pm Eastern Time

Copyright © 2020 CreditSavvi. All Rights Reserved. | 5 Concourse Pkwy, Atlanta, GA 30328

Copyright © 2020 CreditSavvi. All Rights Reserved. | 5 Concourse Pkwy, Atlanta, GA 30328

TIPS 

TIPS 

What our customers think...

What our customers think...

9/12/19

I love James, He is always ready and willing to answer questions & hears me out with my issues if any but he is a pleasure to work with. I hope he never leaves cuz im going to be hurt. lol 

Julie A gave CreditSavvi a 5 star Review

9/12/19

I love James, He is always ready and willing to answer questions & hears me out with my issues if any but he is a pleasure to work with. I hope he never leaves cuz im going to be hurt. lol 

Julie A gave CreditSavvi a 5 star Review

8/05/19

Talk to four other people before I spoke to Sarah. This Process took 41 minutes, I will say... the most easiest and simplest 41 minute conversation I’ve ever had with a sales person. Very polite very easy-going and didn’t beat around the bush. Told me facts and the right answers that I wanted to hear. I will use the service again and I will recommend this service to anyone and everyone. 10 stars

David T gave CreditSavvi a 5 star Review

8/05/19

Talk to four other people before I spoke to Sarah. This Process took 41 minutes, I will say... the most easiest and simplest 41 minute conversation I’ve ever had with a sales person. Very polite very easy-going and didn’t beat around the bush. Told me facts and the right answers that I wanted to hear. I will use the service again and I will recommend this service to anyone and everyone. 10 stars

David T gave CreditSavvi a 5 star Review

7/28/19

CreditSavvi was everything James explains it to be. It helped me get the car I wanted and I will be purchasing my first house next month. I would highly recommend CreditSavvi for whatever your trying to accomplish in life, they have a customer for life and I will definitely be recommending family and friends. Thanks Mike and Val...

Eric G gave CreditSavvi a 5 star Review

7/28/19

CreditSavvi was everything James explains it to be. It helped me get the car I wanted and I will be purchasing my first house next month. I would highly recommend CreditSavvi for whatever your trying to accomplish in life, they have a customer for life and I will definitely be recommending family and friends. Thanks Mike and Val...

Eric G gave CreditSavvi a 5 star Review

9/15/19

I have been researching companies for tradelines for quite sometime now, I find that this company stands on its reputation, I believe that they take time to review your credit and gives great advice to you so that you purchase exactly what you need. Would I recommend their service? Most definitely, I to need a tradeline to better my score, and I trust this company to put me on right path. I have friends and family who are also interested in tradelines and this company is my choice to recommend.

Latanya Banks gave CreditSavvi a 5 star Review on

9/15/19

I have been researching companies for tradelines for quite sometime now, I find that this company stands on its reputation, I believe that they take time to review your credit and gives great advice to you so that you purchase exactly what you need. Would I recommend their service? Most definitely, I to need a tradeline to better my score, and I trust this company to put me on right path. I have friends and family who are also interested in tradelines and this company is my choice to recommend.

Latanya Banks gave CreditSavvi a 5 star Review on

FAQ'S

FAQ'S

A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report.

Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline. The type of tradelines that we provide is Seasoned Authorized User tradelines, with low utilization (under 30% unless otherwise noted) and perfect payment history.

We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. 

A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report.

Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline. The type of tradelines that we provide is Seasoned Authorized User tradelines, with low utilization (under 30% unless otherwise noted) and perfect payment history.

We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. 

It’s a truly unique and powerful custom service called the “Age Progressional Tradeline Package.” It’s a hand selected pack of tradelines prescribed for you.

The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This helps for an easier posting to your credit report.

It’s a truly unique and powerful custom service called the “Age Progressional Tradeline Package.” It’s a hand selected pack of tradelines prescribed for you.

The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This helps for an easier posting to your credit report.

The reader’s digest version is yes, the act of being added as an authorized user to someone’s credit card is legal and is protected by the provisions in the Equal Credit Opportunity Act of 1974 – Regulation B. Although it is legal, it’s usually considered a disliked practice by society and other vendors but highly effective.

The reader’s digest version is yes, the act of being added as an authorized user to someone’s credit card is legal and is protected by the provisions in the Equal Credit Opportunity Act of 1974 – Regulation B. Although it is legal, it’s usually considered a disliked practice by society and other vendors but highly effective.

Frequently Asked Questions

Frequently Asked Questions

FOR SELECTING TRADELINES

FOR SELECTING TRADELINES

The amount by which a credit score can increase is different for everyone. We stick to a few rules of thumb when determining the benefits that you will receive:

1. Higher limits and older aged tradelines correlate to bigger credit score increases.

2. More older accounts make your file more solid.

3. If you have nothing on your credit file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.

4. The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one. Please contact us directly if you want to do this.

5. All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have a perfect payment history.

6. If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement. 

The amount by which a credit score can increase is different for everyone. We stick to a few rules of thumb when determining the benefits that you will receive:

1. Higher limits and older aged tradelines correlate to bigger credit score increases.

2. More older accounts make your file more solid.

3. If you have nothing on your credit file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.

4. The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one. Please contact us directly if you want to do this.

5. All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have a perfect payment history.

6. If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement. 

Do I need to remove Fraud Alerts from my file before adding tradelines?

Do I need to remove Fraud Alerts from my file before adding tradelines?

Yes. Fraud alerts, credit freezes and other types of locks, block new information from showing up on your report. If you don’t remove the fraud alerts/locks then the tradeline will not post properly. It is the client’s responsibility to call each credit bureau and remove the fraud alert. It is a simple phone call to each bureau to remove it. You can always add the fraud alert back as soon as the tradeline reports if you wish.

Yes. Fraud alerts, credit freezes and other types of locks, block new information from showing up on your report. If you don’t remove the fraud alerts/locks then the tradeline will not post properly. It is the client’s responsibility to call each credit bureau and remove the fraud alert. It is a simple phone call to each bureau to remove it. You can always add the fraud alert back as soon as the tradeline reports if you wish.

How long does it take for a tradeline to appear on my credit report?

How long does it take for a tradeline to appear on my credit report?

Typically tradelines report 10 – 15 days AFTER the statement date given you placed your order at least 3 DAYS BEFORE the statement date. Orders must be made AT LEAST 3 days before the statement date in order for your tradeline to post that month. Each tradeline has a different statement date. Our list is default sorted by statement date so you can see what is closing and posting the soonest. [We are known to make magic happen.] If you have a question about your order, please just ask us!

Typically tradelines report 10 – 15 days AFTER the statement date given you placed your order at least 3 DAYS BEFORE the statement date. Orders must be made AT LEAST 3 days before the statement date in order for your tradeline to post that month. Each tradeline has a different statement date. Our list is default sorted by statement date so you can see what is closing and posting the soonest. [We are known to make magic happen.] If you have a question about your order, please just ask us!

How long will a tradeline stay on my file?

How long will a tradeline stay on my file?

We guarantee our tradeline(s) will stay on your report for a minimum of two posting cycles which is at least 60 days. Certain tradelines like Discover, Capital One and Chase, can remain on up to 90 days. Note that industry average is only a 30 day posting, so you are getting an amazing deal here. If you would like to extend a tradeline lease for a fee, please let us know by within 35 days of your purchase. Note that after your lease has expired, the account will remain on your credit report. It will just change to a terminated authorized user status. Its great that the account remains on your file indefinitely thus making your credit report more solid.

You have the option to extend your tradeline for an additional 30 days for half price. Please get with us before your lease ends so we can keep you on longer!

We guarantee our tradeline(s) will stay on your report for a minimum of two posting cycles which is at least 60 days. Certain tradelines like Discover, Capital One and Chase, can remain on up to 90 days. Note that industry average is only a 30 day posting, so you are getting an amazing deal here. If you would like to extend a tradeline lease for a fee, please let us know by within 35 days of your purchase. Note that after your lease has expired, the account will remain on your credit report. It will just change to a terminated authorized user status. Its great that the account remains on your file indefinitely thus making your credit report more solid.

You have the option to extend your tradeline for an additional 30 days for half price. Please get with us before your lease ends so we can keep you on longer!

How much will my score increase?

How much will my score increase?

Every client is different, but we recommend to follow the tips above in order to get the best possible boost to your credit score. If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement.

P.S. Higher limits and older aged tradelines correlate to bigger credit score increases.

Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).

If you have nothing on your credit file, i.e. a thin file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.

The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.

Age Progressional Tradeline Packages are the most powerful and cost effective way to go.

All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.

Every client is different, but we recommend to follow the tips above in order to get the best possible boost to your credit score. If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement.

P.S. Higher limits and older aged tradelines correlate to bigger credit score increases.

Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).

If you have nothing on your credit file, i.e. a thin file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.

The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.

Age Progressional Tradeline Packages are the most powerful and cost effective way to go.

All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.

What can I do with my increased credit score?

What can I do with my increased credit score?

An increased credit score will allow you to secure better interest and approval rates on credit cards, car loans, and mortgages. It also impacts your car insurance rate, the ability to rent an apartment, put utilities in your name without a down payment, or personally guarantee your own business. Also certain professions/employers require a certain credit rating for employment. Having a higher credit score means better loan terms, hands down.

An increased credit score will allow you to secure better interest and approval rates on credit cards, car loans, and mortgages. It also impacts your car insurance rate, the ability to rent an apartment, put utilities in your name without a down payment, or personally guarantee your own business. Also certain professions/employers require a certain credit rating for employment. Having a higher credit score means better loan terms, hands down.

What happens when I am removed from the tradeline? Will my score change?

What happens when I am removed from the tradeline? Will my score change?

When your authorized user lease has expired, the information will remain on your credit file, however it will show as a closed account. This is fine because the more positive accounts on your credit file, the stronger your file will be. The most impact you will get out of the tradeline will be while you are in an active status on the tradeline. Your score may or may not dip slightly when your lease has expired. What we have seen historically is a dip when the authorized user is removed, but not to as low as it was before the tradeline was added. Every file is different. Don’t delay, take action as soon as your tradeline(s) have posted to your credit file.

When your authorized user lease has expired, the information will remain on your credit file, however it will show as a closed account. This is fine because the more positive accounts on your credit file, the stronger your file will be. The most impact you will get out of the tradeline will be while you are in an active status on the tradeline. Your score may or may not dip slightly when your lease has expired. What we have seen historically is a dip when the authorized user is removed, but not to as low as it was before the tradeline was added. Every file is different. Don’t delay, take action as soon as your tradeline(s) have posted to your credit file.

Do I receive the card?

Do I receive the card?

No. The tradeline you purchase will appear in your credit file, however you will not get the card. The goal of tradelines is for you to reap the benefit of a credit score increase/file solidification, then reach for your financial goals. What you are purchasing with tradelines is the information to be essentially copied and pasted in your credit file thus giving you an increase to your credit score in a very quick amount of time.

No. The tradeline you purchase will appear in your credit file, however you will not get the card. The goal of tradelines is for you to reap the benefit of a credit score increase/file solidification, then reach for your financial goals. What you are purchasing with tradelines is the information to be essentially copied and pasted in your credit file thus giving you an increase to your credit score in a very quick amount of time.

What are your payment methods?

What are your payment methods?

Bank of America

Chase Quick Pay

Wells Fargo Surepay

Western Union

Zelle (zellepay.com)

We DO NOT accept credit cards or PAYPAL. It is a violation of Paypal’s user agreement for any credit related company to use their platform for their services.

Bank of America

Chase Quick Pay

Wells Fargo Surepay

Western Union

Zelle (zellepay.com)

We DO NOT accept credit cards or PAYPAL. It is a violation of Paypal’s user agreement for any credit related company to use their platform for their services.

Do you work on business credit?

Do you work on business credit?

No. However you will need your personal credit as a business owner and entrepreneur. It behooves you to build a maintain a good credit score! We help you do that.

No. However you will need your personal credit as a business owner and entrepreneur. It behooves you to build a maintain a good credit score! We help you do that.

What credit monitoring site do we prefer?

What credit monitoring site do we prefer?

Credit Check Total is best for posting tradelines to your file and seeing results sooner, in real time. We also like Equifax.com, MyFico, and Privacy Guard. Paid 3 bureau monitoring services are always preferred over the free ones like Credit Karma.

P.S. Keep in mind we do NOT accept Credit Karma or any free service to report a non-posting issue (industry standard).

Credit Check Total is best for posting tradelines to your file and seeing results sooner, in real time. We also like Equifax.com, MyFico, and Privacy Guard. Paid 3 bureau monitoring services are always preferred over the free ones like Credit Karma.

P.S. Keep in mind we do NOT accept Credit Karma or any free service to report a non-posting issue (industry standard).

Do you have primaries?

Do you have primaries?

No but we can point you to the right direction to getting your own primary, so that you can solidify your credit score even more. Please see our blog post on PRIMARY TRADELINES or ask any members of our team for our free primary e-book.

No but we can point you to the right direction to getting your own primary, so that you can solidify your credit score even more. Please see our blog post on PRIMARY TRADELINES or ask any members of our team for our free primary e-book.

How much does it cost to extend my tradeline lease?

How much does it cost to extend my tradeline lease?

Half price of the original price for one month’s additional posting (an extra 30 days). Full price of tradeline for 2 additional postings (an extra 60 days.) You must notify us within 35 days of placing your order to make a request to extend your lease. Please get with us so we extend the contract and stop the cardholder from removing you!

Half price of the original price for one month’s additional posting (an extra 30 days). Full price of tradeline for 2 additional postings (an extra 60 days.) You must notify us within 35 days of placing your order to make a request to extend your lease. Please get with us so we extend the contract and stop the cardholder from removing you!

What is a soft pull?

What is a soft pull?

Some lines do not post automatically so we need to merge the tradeline address onto your credit report and by doing this it will make the tradeline report to your credit file. This will result in a credit inquiry to your file. It is the only way to get most tradelines to post. Do not be alarmed, this is just an address merge to your credit file. If you do not want this, there are only four options of tradelines you can pick from that do not require a hard pull, and they require specific supporting documents for the bank. Please email us so we can guide you through it.

Some lines do not post automatically so we need to merge the tradeline address onto your credit report and by doing this it will make the tradeline report to your credit file. This will result in a credit inquiry to your file. It is the only way to get most tradelines to post. Do not be alarmed, this is just an address merge to your credit file. If you do not want this, there are only four options of tradelines you can pick from that do not require a hard pull, and they require specific supporting documents for the bank. Please email us so we can guide you through it.