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Building Business Credit Home > Personal
Revolving Primary Tradelines |
Primary Personal
Revolving Tradelines
One
of the most important aspects of building
personal credit is having a history of paying
your accounts on time.
Unfortunately, obtaining credit lines that report
to your credit file can be very difficult,
especially credit lines with larger limits.
History of our personal revolving
tradeline program:
Since the announcement of the FICO 08 update to
the credit scoring model and lenders reluctance
to qualify loans based on authorized user
accounts, we have been doing research to find
ways to legitimately report positive credit on our clients.
After about 6 months of research and
development, we now have the
ability to report revolving credit lines to our
clients personal credit reports.
In order to report credit lines to the
credit bureaus we must follow certain
guidelines:
- We must pull at least 1 credit bureau
report in order to verify that our clients meet
minimum credit requirements
- We must report all history (good or bad)
to your credit reports. There are no exceptions
- We must provide you with a credit limit in
line with specific written guidelines
- We cannot back date or otherwise falsify any
reporting
- Your credit limit must be a real credit limit
and you must have actual ability to use the
credit limit
- You must be able to purchase actual products
and they must be delivered to you
Our personal revolving primary
tradelines have the following features:
- These tradelines report to the
following credit bureaus:
- Experian
-
Transunion
- Credit is available for reporting 30-60 days
after 1st payment is made
- Credit line is considered a primary revolving
credit line
- Can be closed anytime after full payment
- 72 hour setup in most cases
Initial Balance/ Minimum Payment
$400 / $16.67
$800 / $33.33
$1,750 / $72.92
$3,000 / $125.00
$5,000 / $208.33
Credit Score To Qualify
Up To 580
581 - 600
601 - 620
621 - 640
641 Plus
Revolving Limit You Qualify For
$1,000
$2,500
$5,000
$10,000
$25,000
Application Fees
$149.00
$149.00
$149.00
$149.00
$149.00
*Minimum payment is based on
initial balance over a 24 month period at 0%
interest, additional purchases and paying down
account will result in different minimum payment
*You are responsible for entire balance on your
account...EVEN IF YOU CLOSE ACCOUNT. Failure to
pay off your balance will result in collection
activities.
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