Personal blog on early retirement and analytics projects. I write about what I learn as I am learning it.
Aged primary tradelines for sale show up alongside authorized user tradelines in a lot of the same places, and buyers sometimes ask me whether I offer them or where to find them. The honest answer: I don’t sell them, and I’d think carefully before buying them anywhere.
Continue reading “Aged Primary Tradelines for Sale: What to Know”
Auto tradelines come up enough in buyer conversations that I want to address them directly. The phrase gets used to describe a few different things, and depending on which one a seller is pitching, you’re either looking at something worthless, something fraudulent, or something that doesn’t exist in the form being advertised.
Continue reading “Auto Tradelines for Sale: Why Most Are Fake”
Buyers ask me this constantly: which tradeline is the best one to buy? And almost every time, the follow-up question is about issuers. Chase or Capital One? Amex or Discover? The honest answer is that picking by brand name is one of the most reliable ways to overpay for underwhelming results. The best tradelines to boost credit score have almost nothing to do with whose logo is on the front of the card.
What actually matters is three numbers: the credit limit, the age of the account, and the utilization rate at statement close. Everything else is noise.
Let me be direct about something before we go any further: “primary tradelines for sale” is almost always a red flag phrase. If you’ve been searching for this and landed on a site actually selling what they claim are primary tradelines, read carefully before you hand over any money.
Continue reading “Primary Tradelines for Sale: What You’re Actually Buying”
If you’re trying to figure out how to get tradelines for your business, the first thing worth knowing is that business credit and personal credit are two different animals — and a lot of the advice floating around blurs them together. I sold authorized user tradelines on the personal side, so I’ll be honest about where they help a business and where they don’t. For the consumer version of all this, my post on primary tradelines is a good companion, and I get into the numbers in how much will a tradeline boost my credit.
