Personal blog on early retirement, tradelines, and analytics projects. I write about what I learn as I am learning it.
You’re looking at your credit report and one of the accounts says “consumer disputes reinvestigation in progress.” It showed up after you filed a dispute, and now you want to know what it actually means — how long it stays, what happens when it clears, and what you should be doing in the meantime.
Continue reading “Consumer Disputes Reinvestigation in Progress”
Buyers ask me this one a lot — usually right after they’ve spent twenty minutes Googling tradeline companies and aren’t sure if the whole thing is legitimate. The short answer: yes, you can pay to be added as an authorized user on someone else’s credit card. That’s actually the entire business model I run at kindoflost.com.
But there’s a longer answer worth reading before you spend money, because not all AU tradelines are the same, and a few details can make the difference between a purchase that moves your score and one that doesn’t.
People find this post after Googling some version of “can I make money with my credit cards” — which is also how I found my way into selling tradelines a few years back. (I remember to this day the many times I typed variations of “monetize good credit” into Google with zero useful results.) The short answer is yes, if you have the right cards, you can earn money by renting them out as authorized user tradelines.
Here’s what that actually looks like in practice.
Continue reading “Sell Credit Cards as Tradelines: How It Actually Works”
Every time someone talks about a “5 minute credit score trick,” they usually mean one of two things: paying down a balance quickly, or adding an authorized user tradeline. The “5 minute” part is actually accurate — the setup itself takes minutes. The results don’t. That distinction matters, and I want to be upfront about it before getting into what actually works.
Continue reading “5 Minute Credit Score Trick: What It Actually Does”
A lot of people find their way to tradelines after hitting a wall. Their score is stuck, they can’t get approved for the apartment or the car loan, and someone online told them that adding tradelines to your credit is the fast lane. Sometimes that’s true. Sometimes people buy the wrong thing and get disappointed. Let me walk through how it actually works.
Continue reading “Adding tradelines to your credit: what actually works”