Tradelines

FREQUENTLY ASKED QUESTIONS ABOUT AUTHORIZED USER ACCOUNTS

1. How long do the Authorized User Tradelines take to post?
   1. All AU accounts post within 5-10 days from the statement date.
2. What if the tradelines don’t post to my credit report on the date promised?
   1. We will make sure they post on the very next cycle.
3. How long will the tradelines stay on my report?
   1. Authorized User tradelines stay on your report 30-60 days.
4. How much will my score go up by adding these lines?
   1. We cannot know how much your score will be raised, our average clients experience between 50 points to 100 points increase in credit scores from adding Authorized User accounts
5. Will adding tradelines cause my credit report to be “flagged” for fraud?
   1. No, people are added as Authorized Users to accounts all the time, this is completely legal.
6. How will I know when the tradelines are posted to my credit report?
   1. You are required to subscribe to a CREDIT MONITORING SERVICE like creditchecktotal.com which is offered by Experian. It’s only a $1 trial to get started, but you get all of your reports and scores, and see all changes when they happen.

   Removing bad credit information is not enough!

7. No derogatory information on your credit (late payments, collections, repossessions, etc)
8. Good borrowing history (2+ years of on-time payments)

As you know, CRUSA already offers 2 types of credit repair programs: Essentials and Essentials Plus. However, even if you clean up all of the negative information, your score will not improve to above 700+ unless you can show the ability to repay your other debts on time.

To get over this hurdle, you want to get Aged Tradelines.

Experian states on its website that a tradeline “…defines the consumer’s account status and activity. Tradeline info comprises names of businesses where the applicant has financial records, dates accounts were opened, credit limits, types of accounts, balances owed and payment histories.”

By ordering tradelines through Stellar Capital Funding, you can show great payment history for multiple years.
We offer two types of tradelines: Authorized User and Primary User.

Primary User & Authorized User Tradelines

• Primary User Tradelines
A Primary Account Holder is an the person whose name appears first on a credit card. He or she is responsible for paying all monthly bills and fees.
 
• Authorized User Tradelines
An Authorized User is any person granted authority to use the credit card account of a cardholder. The Authorized User is not responsible for the debt obligation.

How do you know which tradeline accounts you need for YOUR unique situation?
You will likely need multiple tradelines to reach the highest credit scores possible (near 800+)