Frequently Asked Questions
What are tradelines?
Tradelines are best described as aged lines of positive credit that you purchase and attach to your own credit (be that personal or business credit). It boosts your credit score enormously high with one easy step and you get better funding to launch your startup or expand your business. It's a rich person's secret, except now available to everyone at affordable prices!
What is the difference between credit repair and tradelines?
Credit repair goes hand in hand with purchasing tradelines. Most people have negative or derogatory items on their credit reports that are dragging their score down and deterring them from receiving credit and funding in the form of loans and credit cards. As part of our FREE consultation, our credit specialists will review your 3-credit-agecy reports (Experian, Transunion, Equifax) with you and devise an individualized credit repair plan and timeline. Once we clean up your credit, you're now ready for tradelines! Tradelines add instant positive credit to your reports, boosting scores and increasing your chances of funding. We will guide you in purchasing our superior personal tradelines that boost credit for 2 months at a time as well as advise you on some great third-party installment tradeline services to boost credit permanently over time.
Are tradelines legal?
Yes, tradelines are 100% legal and safe. HB Tradelines & Credit buys business and personal debt, pays it off, leaving us with the ownership of a positive and aged credit line that we can now legally sell to our customers (be they individuals, entrepreneurs or businesses) for drastic credit boosts that provide generous funding.
How do tradelines benefit you?
When you purchase one of our verified reliable tradelines, we transfer the ownership of that positive credit line to your SSN or EIN, raising your credit score or paydex score, respectively. With high scores, you're now eligible for immediate and generous loan funding without hassles. Personal tradelines stay on your person credit file for 2-3 months so you have 2-3 months to submit all loan applications. Business tradelines are permanent and remain on your business credit report indefinitely. Use that capital to fund a startup or investment you've been wanting to venture out in. Reach financial freedom through financial advantage.
How soon will I see credit increases from credit sweeps/repair?
Our methods for repairing credit usually yield 100-225+ point increases within 2 months, with first result visible within the first 2 weeks! Our credit specialists use the law to their advantage when removing derogatory items off your report. We also have streamlined processes that allow our correspondences to the credit agencies to be expedited and amplified. Even though we do all the work for you, we prepare you and guide through the process so you're always informed on what's happening with your credit. We never just leave you in the dark!
What can be removed from your credit reports?
Typically, anything can be removed from your credit report as long as the procedures you use abide by Federal Law. The 3 credit reporting agencies (Experian, Transunion, Equifax) more often than not, fail to comply with federal law when they are reporting items on your credit. You don't have to wait 2-10 years for items to fall off your credit report. Our specialists can successfully remove charge-offs, collections, student loans, bankruptcies, late payments, hard inquiries, repossessions and other items that are lowering your credit score and impeding your access to a great life.
What is the difference between Authorized User tradelines and Primary Installment tradelines?
Authorized user (AU) tradelines are revolving tradelines. AU tradelines allows you to pay to become an authorized user on someone else’s credit card. This account will then appear on your credit report showing your authorized user status to an open revolving tradeline, thus boosting your credit score. As an authorized user, you don't have any responsibility for the primary person's card card balance, nor do you have access to their money or information. Personal AU tradelines report on your credit fie (Experian, Transunion, Equifax) for 2-3 months, while business tradelines are permanent. We sell both personal AU tradelines and business tradelines. Installment tradelines are credit lines in which you borrow a lump some from a lender and pay back the lender in fix installments each month. Every time you make a payment toward your loan amount, it is reported to your credit as positive credit, boosting your credit. The more of these installment tradelines you borrow, the higher and faster your credit score. We guide you through the process of obtaining many installment tradelines without actually borrowing the money from a lender (a legal loophole).