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Reputable Tradelines For Mortgage Clients
Good evening ✨
I am looking for a reputable company selling trade lines, so that I can recommend them to a current client of mine.
Thank you all so much for any pointers!
Best Regards,
-Janna
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17 Replies
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I highly do not recommend that you buy credit tradelines. They are expensive, plus it is not forever. They will add your client for six months or so and then take them off. The way they do it is to add them on as an authorized user, and even doing this, it is no guarantee that it will work. Many lenders do not count authorized user credit tradelines as tradelines. Plus, the authorized user will have a different last name and a different address, which in many cases does not reflect in boosting credit scores. My suggestion is to have a relative or family member with the same last name and address to add them on as an authorized user or get a secured credit card with at least a $500 credit limit secured card. Get self.inc as well as the various credit rebuilder accounts you can get at many banks and credit unions. To me it does not make sense to spend $1,000 for only six months, and they take it down after that date unless you give them more money. Let me know if you have any other questions.
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Hi Guston,
Thank you very much for pointing out the other angle to look at it from✨
The client’s parents have one credit card which she has been added to as authorized user but she needs more actions
But herand her husband have decided against using tradelines & will rebuild organically
Thank you for the specific suggestions that you have posted here & and the open door for further questions✨
All the best to you,
-Janna
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Janna, we have a great team to help your clients. There’s no need to buy expensive credit trade lines that is only good temporarily fora thousand dollars. There’s no minimum credit trade lines requirement for mortgage loans. You can always use non-traditional credit tradelines. Call, text, or email me if you have any questions. Thank you 😊
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Thank you so much Guston!
You are spoiling me☺️✨!
I will most certainly reach out to you with further questions
Thank you for the open door offering your time and knowledge✨!
All the very best to you,
-Janna
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Janna, you may want to check out NETCREDIT for an unsecured personal loan and One Main Financial for either a secured or unsecured loan. If they are business owners, we have business funding that may help them boost their credit scores.
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Thank you Guston✨!
This is a suggestion that I will bookmark for future clients who would qualify for this.
Thank you, such good info✨
All the best to you,
-Janna
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Fast quick tip, Janna
Have your client get three secured credit cards and have his or her spouse get three secured credit cards and add each other as authorized users
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Thank you so much Guston!
Such a good suggestion✨!!
I have not thought about couples adding each other, such a good thing to keep in mind✨
Thank you very much!
All the best to you,
-Janna
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I can’t directly recommend a specific company from personal experience, but I can point you toward some well-regarded options in the tradeline industry based on what’s out there. The key is to look for companies with a solid reputation, transparency, and a track record of delivering what they promise—especially since you’re recommending this to a client and want to ensure it’s legit.
One option that often comes up is Tradeline Supply Company, LLC. They’ve been around since 2017 and are known for offering a wide selection of authorized user tradelines at competitive prices. They emphasize an automated online process, which makes it straightforward for buyers, and they’re pretty open about their offerings—listing tradeline details like age and credit limits upfront. People seem to appreciate their customer service too, though they don’t guarantee specific credit score boosts (which is honest, since that’s not fully in their control).
Another name you might consider is Superior Tradelines. They’ve got a longer history—over a decade in some estimates—and focus on personalized guidance, which could be helpful if your client needs tailored advice. They’re often praised for reliability, though their pricing might be a bit higher due to that hands-on approach.
GFS Group is also worth a look. They’re known for high-quality tradelines with strong credit limits and histories, and they cater to professionals like brokers who resell to clients—might align well with your situation. Their platform is fast and secure, which is a plus for peace of mind.
A few pointers: Check for companies that report to at least two major credit bureaus (Equifax, Experian, TransUnion) consistently, as that’s crucial for the tradeline to impact a credit report. Look at customer reviews—Google, Reddit, or even forums like BiggerPockets can give you unfiltered feedback. Also, steer clear of any outfit that promises instant miracles or seems shady about their process; the legit ones are upfront that results vary and tradelines are just one piece of the credit puzzle.
Since this is for a client, maybe dig into what their specific goals are—quick score boost for a loan, long-term credit building, etc.—and match that to a company’s strengths. If you want to chat more about your client’s needs, I’d be happy to refine this further!
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Hi George!
Thank you so very much for your detailed response with lots of suggestions, food for thought, and the open door for further questions✨!
I am very grateful for this platform and you all, who take time out to share knowledge. It is very appreciated✨!
All the best to you,
-Janna
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Janna, remember that when you buy credit tradelines, it is only posted temporarily. It often comes off after three months, six months, or nine months, and you need to pay again. Remember to tell your client that. It is not cheap either. Costs vary from $500 to $5,000 depending on the credit limit. All this is is the credit tradeline company adding the client as an authorized user.
When it comes to recommending reputable tradeline companies for mortgage clients, it’s essential to consider those with a strong track record and positive customer reviews. Here are a few companies that are often mentioned in discussions about tradelines:
- Tradeline Supply Company, LLC: Known for their transparent pricing and a wide range of options, they offer a variety of tradelines and have good customer service.
- Coast Tradelines: They provide a selection of seasoned tradelines and emphasize transparency and customer education about the process.
- MyTradeline: This company has received positive reviews for their customer service and the effectiveness of their tradelines in improving credit scores.
- Sky Blue Credit: While primarily a credit repair service, they also offer tradeline services and have a strong reputation for helping clients with credit improvement.
- Tradelines for Sale: They offer a variety of options and have been noted for their straightforward approach and customer support.
Before making any recommendations, it’s important to advise your client to do thorough research and ensure they understand how tradelines work, as well as the potential risks and benefits. In theory, this is a form of mortgage fraud because it is not the client’s credit tradelines but authorized user credit tradelines purchased to deceive creditors.
Best of luck, and if you need further assistance, feel free to ask!
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Hi Lisa!
Thank you so much for your detailed response✨!!
My buyers would only need them for a month, and I have explained to them in detail what exactly trade lines are, and how they work.
Her parents only have one credit card – which she will be added to, but she will need two.
Thank you so much again for the recommendations, and your message in its entirety✨.
Have a wonderful remainder of your day!
All the best to you,
-Janna
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Try Experian Boost and adding nontraditional credit through rapid rescore.
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Hi Rugger!
Thank you so much for your suggestions✨!
Thank you for reminding me of rapid rescore 😊!
All the best to you,
-Janna
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Capital One has a secured credit card that, with a $50 deposit, they will give you a $250 credit limit credit card. Then if you are on time, they will keep on increasing it. Discover has a secured credit card that reports to all three credit bureaus.
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Hi Julio,
Thank you so much for the specific information of those two credit cards✨!
It is all very helpful to know in general
Not just concerning my current client with credit needs but for future clients too✨!
All the best to you,
-Janna
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That is great idea building it the right way. Experian Boost will help post nontraditional credit tradelines on the credit bureaus. Try self.inc. It is a credit builder account for a minimum of $25 dollars per month which reports as an installment loan and after four months, self.inc will get you a secured credit card for the amount you have on deposit. Try calling Ali Recovery Credit Repair. She has a lot of credit rebuilder program.