Personal blog on early retirement, selling tradelines, and analytics projects. I write about what I learn as I am learning it.
Buyers ask me this every week: can I get a tradeline for free? The honest answer is yes — but the free version comes with tradeoffs that the paid version doesn’t. Understanding what you’re actually trading off helps you make the right call for your situation.
La puntuación de crédito es un número entre 300 y 850. Parece simple, pero la forma en que se calcula y, sobre todo, la forma en que se puede mover, no es tan obvia como parece. Vendo tradelines — líneas de crédito de usuario autorizado — en este sitio, y la mayoría de las preguntas que me llegan tienen que ver con cómo funciona exactamente este número y qué lo afecta de verdad.
Landlords ask me the same question I used to ask myself: is this tenant going to pay rent? An eviction on your record is their clearest signal to say no. I run a site that sells tradelines — tools that help people build credit — and I get messages regularly from people who think buying a tradeline will erase their eviction history. It won’t. But credit is also only part of the picture, and understanding which part is worth fixing is where most people get stuck.
Continue reading “How to Rent With an Eviction on Your Record”
People ask me this in the context of tradelines pretty often — they’re sitting somewhere in the 580–669 range, they know it’s not great, and they want to understand what they’re actually dealing with before deciding whether to do anything about it. So here’s the practical answer on what a fair credit score means, where it limits you, and what actually moves you out of it.
Continue reading “What Is a Fair Credit Score — and What Can You Do?”
There’s a specific question I get from people who’ve been dealing with an eviction on their record: they want to know if buying a tradeline will help. The answer depends on what’s actually rejecting them — because an eviction and a credit score problem are two different things, and they have different solutions. Here’s how to get an eviction off your record, and where credit fits into the picture.
Continue reading “How to Get an Eviction Off Your Record (What Actually Works)”