Why should you do business with us !! We Answer The Phone !! When You Call !! All The Time !! We have been providing Trade Line services for over 15 Years and we have seen how things have changed and will continue to change and we have been adapting ever since We can show you client scores and credit reports with our Trade Lines on the credit files. the same ones that you will be buying for your credit report We have some great Client Testimonials about our fast service and that the lines post when we say they post We can take your payment a few different ways. You can pay by credit card or check by email and also make a payment with our business checking account at Bank Of America We Help You get to Where you want to Take Your FIco Score Visit Our Website Today and Find out what Quality Trade Lines can do for you www.qualitytradelines.com or call 323 776 6424 Testimonial
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So, you’ve decided this year is the year you’re finally going to buy a house. Congrats! But now you’re a little panicked because your credit score isn’t exactly going to make lenders swoon.You’re not alone. The national average credit score is 695, while only half of consumers fall in the desired 700-plus range. Although you certainly can get a mortgage with that score, you’ll need a 740 or higher to get the best rates. And that point is not lost on potential home buyers, 45% of whom wait for their credit scores to improve before applying for a mortgage.
While credit history isn’t built (or, for that matter, destroyed) overnight, there are still some things you can do right now to boost your credit score—fast. Here are some sneaky yet totally legit ways you can improve that all-important three-digit number in record time. Paying down your debt is the thing you can do that could have the biggest—and fastest—impact on your credit. Credit utilization (or the amount you can borrow versus the amount of debt you’re carrying) accounts for 30% of your credit score. And the more available credit you have, the better. “The easiest way to optimize your utilization is to use a credit card and pay your balance down to 1% of your credit limit right before your bank reports to the credit bureaus,” says Liran Amrany, founder and CEO of Debitize, a financial technology company that automates better money and credit habits. “You want to have positive utilization so it’s clear you are using the card, but otherwise want to be as low as possible,” Not sure when your creditor reports? You could call them up and ask, or you can check your credit report. According to Amrany, you want to pay before the date last reported You hopefully already know that you have to pay your bills on time to get a good score. If you’re already late on a payment, pay that puppy ASAP for a quick credit boost. “Because paying bills on time is the most important factor in a credit score, going from paying one or more bills late each month to paying all on time could show an improvement in one to two months,” says Kevin Gallegos, vice president of Phoenix operations for Freedom Financial Network. Bonus: If you’re less than 30 days late and you can make the payment today, do it! Creditors don’t typically report until after the 30-day mark. Add an authorized user account and piggyback onto their good credit history. “The full history of the other account shows up on your credit report immediately,” “And when this older, established credit account is added to your credit history, it results in an increase in the average age of accounts you’ve ‘managed’ (which also increases your credit score).” contact us today if you need to add some authorized trade lines to your credit report and boost your fico score today www.qualitytradelines.com or call 323 776 6424 By looking at the above picture you can see what makes up your fico or credit score
we are only going to focus on two colors Blue and Yellow The blue color which is 35% of your credit score is the payment history. what that means is how good have you been in paying your debt. the longer your payment history is the better your score will be. i you have 20 years of good payment history then creditors will be very happy to extend to your all types of credit. Just make sure that you don't get any late payments. Even one late payment can affect your credit score by 20-70 points The yellow color which is 15% of your credit score is the length of credit. what that means is how long you had your credit account. the longer you have an account the more aged it is and the more it impacts your credit score. you want to have as much age on your credit as you can so that creditors will see that you are credit worthy and would want to extend credit to you. So if you have a lot of years on some of your credit accounts and you don't want to use them just stop using and but don't close the accounts becasue that will hurt your credit score. If you don't have any aged accounts you and always piggy back on someone's good credit and their good credit will show on your credit report with the good payment history and the length of credit. If you don't have anyone that can let you borrow their good credit you can use a company like us www.qualitytradelines.com and we can add you to some of the 900 trade lines that we have and increase your credit score as well. A great example of a trade line that has long payment history and Length of credit is our : us bank $21500 trade line account it is 20 years old and has 20 years off perfect payment history as well. By adding a trade line with that high off a limit and that amount of years will give you a credit boost of 70-120 points You can visit www.qualitytradelines.com or give us a call at 323 776 6424 and see how we can affect 50% of your credit score |
QUALITY TRADE LINES
WE PROVIDE TRADE LINES & HELP YOU GET FUNDING WITH CREDIT CARDS AND LINES OF CREDIT Archives
June 2019
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