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hey, everybody

are there any free tradelines that you can add yourself to your credit files?

Posted: Mon Jul 02, 2007 12:04 pm Subject:

Make sure that the debts you are paying now are reported accurately in your credit report. It’s often seen that the creditors or the collection agencies whom you are making the payments are not reporting the items in time to the CRAs. It’s up to you to see that your good payment record makes its way into your report to counteract the bad info.

How about opening a secured card with your bank and making payments in time. This will help more in increasing the scores.

Alexis Ann

Primary tradelines are really expensive, but I know that my cousin got some free tradelines with her purchase at CBS Credit, so I would say you can't really get all of them free, but if you make a strong case or have referrals you can send a lot of places will think of you as a VIP client and you might be able to swing a deal. By the way CBS Credit's website is ************.com or ********.net

Links removed per TOS - ND

Posted: Mon Oct 20, 2008 8:13 am Subject:

What does free tradliens mean and how does one do this?

Posted: Tue Oct 21, 2008 8:48 am Subject: credit

I never understood the 'tradeline thing' either. Where do you actually get them? Does someone with GOOD credit put you on their CR's? Sounds like ( from a comment above..) you PAY to have improved credit...like alot of other things, I suppose. I thought someone, on this forum, said that lenders don't look at tradelines anymore.

Posted: Wed Oct 22, 2008 2:18 pm Subject:

Unless they are talking about purchasing accounts via companies that do "piggybacking".

Posted: Wed Oct 22, 2008 8:14 pm Subject: debt

I don't know. I never really knew the difference between 'tradelines' and 'piggybacking'. I know there's ONE of them who lenders don't look at anymore, concerning your credit.

Posted: Thu Oct 23, 2008 4:26 am Subject:

Any account on your credit reports is a tradeline. You may be referring to AU accounts which give you the history of the primary account holder. FICO 08 was supposed to stop factoring in AU accounts but based on a recent article, that was not implemented:

http://www.debtconsolidationcare.com/credit-repair/fico-au-account.htm l

Posted: Sat Oct 25, 2008 5:45 am Subject: debt

I've briefly read a few things about tradelines. In the 'fine print', alot of the companies, that offer this, want an 'arm and a leg' for you to use them. That's ALMOST like getting into MORE debt to get an 'improvement' on your credit ( just putting my '2 cents' in).

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