Frequently Asked Questions

It comes as no surprise that our clients have many questions about credit repair- there aren’t many reliable sources of information out there and the whole process can get quite confusing. We hope that the following Q&A we’ve put together will help you understand a bit more about all 3 of our services and who our company is as a whole.

What is an Inquiry Removal?

Essentially, we have the ability to remove all inquiries on your credit report as long as they are not associated with an active loan. For example, if you had 6 inquiries on your credit report, but one of them was from an auto loan that you are currently making payments on, we would be able to remove 5 inquiries from your report.

Are Inquiries On My Credit Report Bad?

While having one or two inquiries on your report won’t do too much harm, having several on your report can be detremental to your credit score and your approval odds. Even if your score is great, having an excessive amount of inquiries looks quite risky to a lender. In fact, FICO has stated that an individual with 6 or more inquiries is 8 times as likely to file for bankruptcy than a person without any inquiries. Removing inquiries will do wonders for your credit score and your overall credit worthiness.

How Long Does Your Inquiry Removal Take?

Typically our clients will see full results in only 15-30 days!

What Bureaus Can You Remove Inquiries From?

We remove inquiries from all 3 Credit Bureaus! This package is all-inclusive so we work on every inquiry you have, regardless of the reason, bank, or bureau.

What Is A Credit Sweep?

Using the Fair Credit Reporting Act, our Credit Sweep services challenge and dispute all of the negative items on your credit report. If any of the items are outdated, incorrect, or have insufficient documentation, they must be removed. Nearly 80% of all credit reports have errors on them as a result of our flawed, outdated, and inefficient credit system we have today. This makes it quite easy for us to dispute items and get them removed!

What Items Can You Remove?

While some items are trickier than others, we can potentially remove any negative items on your report. This includes late payments, delinquencies, re-po’s, foreclosures, evictions, and even bankruptcies!

How Long Does A Sweep Take?

Our clients see their first round of results within 30-45 days, and are typically able to see 50-90% of their items removed in under 90 days! The timeframe may vary, as everyone’s credit report is different and some items take a bit more work to remove than others.

What Is Your Refund Policy?

We guarantee that every credit report we work on in our Credit Sweep program makes progress! If we are unable to get you results, then we refuse to accept your money and will issue a full refund.

What Is A Tradeline?

Generally, a tradeline is simply a line of credit that shows on your credit report. In the context of us and the service we provide, a tradeline is a credit card, who’s owner has agreed to add clients to for the purpose of boosting their credit score! All of the tradelines you see on our website are owned by our approved cardholders and are ready to go to work on your credit.

How Do You Accept Payments?

Currently, we accept payments through E-Checks. Similar to a physical check, this payment option uses your account and routing number to transfer funds.

What Can A Tradeline Do For My Credit?

By becoming an authorized user on a tradeline, you are essentially copying and pasting the positive history and high limits from the card you purchase, onto your credit report.

For example, if you purchased a tradeline with 10 years of credit age and a $15,000 limit, those numbers would show up directly onto your credit report, likely causing a massive score increase.

How Long Will It Take For A Tradeline To Show Up On My Credit Report?

Most tradelines will post within 2-3 weeks of your purchase, but this timeframe can vary depending on when you purchase your tradeline, and when the tradeline is set to report. It is possible to get a tradeline on your report in as little as a week! Bottom line, we guarantee that the tradeline you purchase will post to your account within 30 days of the reporting date (we list the reporting date on every card, for your convenience). If the tradeline does not post within this 30 day time-frame, you will be issued a full refund.

To calculate when a tradeline will post to your account, simply look at the reporting date listed, and assume it will show sometime between 14-30 days after that date. This reporting date is basically just the day when the bank takes all of the information from the previous month and submits it to the credit bureaus, so they can update everybody’s credit reports with new information. This information includes items such as the payments you made, your utilization, new credit cards, and, of course, Authorized Users. The banks do this on the same day each month, and the reporting date can be different for each individual credit card.

Another important thing to note is that we require our clients to purchase tradelines at least 3 days prior to it’s reporting date. This is to ensure that the tradeline makes it onto your report on the upcoming period. If you wait to purchase a tradeline until only a day or two before it reports, you will run the risk of not making it on the upcoming reporting period!

What Happens Once I’m Removed From A Tradeline?

As we mentioned in previous questions, we sell our tradelines in increments of two reporting periods, which equates to about 60 days. After two reporting periods have passed, you will be removed from the account to make room for new users. This doesn’t mean, however, that the account will be immediately removed from your credit report. In fact, many of our tradelines have remained on client’s accounts for several months after they are removed.

Even after the tradeline has ‘fallen off’ your list of active accounts, the tradeline will usually remain on your report as a closed account which is great for your credit, as it builds up and adds to your payment and credit history.

In regards to your credit score, you may see a dip after the account drops from your report, but often times your score will remain much higher than before. If you use your tradelines effectively, you should be able to reduce this drop significantly. For example, if you use your higher credit score (while the tradeline is on your account) to apply for new credit cards, take out a low-interest loan, and raise the limits on your other credit cards, you will certainly raise your credit score long-term. The idea is to use the credit boost as a means of building a solid foundation for years to come!

How Long Will A Tradeline Remain On My Credit Report?

We guarantee that you will remain an Authorized User for at least two reporting periods, which equals between 50 and 60 days. After the second reporting period, we will remove you from the card in order to add new users. While you will be removed from the account, this doesn’t necessarily mean that the tradeline will fall off of your credit report immediately- credit bureaus will usually leave the information on your account for several months, and will also usually leave some of the credit history on file permanently as a closed account. Any of these scenarios should have a positive effect on your credit score, as having the closed tradeline on file will add to your payment history and overall credit age. While we often see tradelines remain on a client’s account for months after removal, we encourage you to not count on this, as it is entirely out of our hands. This means that you should plan on only having the tradeline for two reporting periods, and to take care of business during this time frame.

If you need the tradeline on your account for longer than 2 reporting periods, we allow clients to purchase extensions for an additional fee. To do this, just contact us anytime within 20 days of your original purchase.

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