credit cards Archives - Page 2 of 25

Three Billing Cycles for Tradelines: Why I Switched

I’ve been selling authorized user tradelines for a few years now, and one thing I’ve been turning over in my head is the standard two-cycle product that most of the industry sells. Two billing cycles. Add the buyer, wait for two statement closes, remove them. That’s been the norm since before I got into this.

I’ve decided to move away from that. Going forward, every tradeline I sell — whether directly through this site or through the brokers I work with — runs for three billing cycles. Here’s why, and what it means if you’re thinking about either buying or selling tradelines.

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Scaling My Tradeline Business: How I Think About Growth

(How I think about growing beyond my own credit cards)

Anyone who runs a tradeline business for long enough hits the same wall. The work is straightforward, the demand is real, and the income is decent — but every time you think about growing, you run into the same problem: you can only have so many cards, and every card you add for this purpose concentrates more risk on your own credit file. There’s no way around it as long as the business is entirely dependent on your own accounts.

Remark Code Removed: What It Means (Good or Bad?)

A buyer emailed me not long ago asking about something she’d seen on her credit report: “remark code removed.” She’d been deep in a credit dispute and had no idea whether this was good news, bad news, or just noise. I’ve gotten some version of this question enough times that I figured it was worth laying out clearly.

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Primary Tradelines for Sale: What You’re Actually Buying

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.

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Tarjetas de Crédito con Mal Crédito

Las tarjetas de crédito con mal crédito son una herramienta real para reconstruir el historial. No son perfectas — tienen límites bajos, tarifas altas y tasas de interés que hacen daño si no pagas el saldo completo cada mes — pero sí funcionan si las usas con cabeza. Lo que poca gente sabe es que existe una segunda estrategia que puede acelerar el proceso considerablemente: agregar una tradeline a tu reporte de crédito.

Trabajo vendiendo tradelines en kindoflost.com, así que tengo una perspectiva directa de cómo funciona el lado del vendedor. Pero lo que me parece más interesante es cómo las dos estrategias — tarjetas propias más tradelines ajenas — se complementan cuando el objetivo es calificar para algo importante: un préstamo de auto, un apartamento, una hipoteca.