By default, our tradelines will remain on your credit report for two reporting cycles, which is roughly two months. If you need them to stay longer, we offer unlimited extensions in one-cycle increments
Understanding Credit Age Length of credit history, or credit "age," is a fundamental factor in determining your credit score, comprising roughly 15% of the overall score. This category includes: The duration each account
Tradelines are straightforward. You mainly need to consider two variables: age and credit limit. While price and posting dates are also important, let's focus on age and credit limit for now.Importance of Age
Overview of the Fair Credit Reporting Act (FCRA)The Fair Credit Reporting Act (FCRA) was enacted to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This federal
Dave Ramsey’s stance on credit usage is one of his most debated opinions. He advises against using credit, claiming that credit scores are not a true indicator of financial health. Ramsey often describes
Purchasing tradelines can provide a quick boost to your credit score, but building and maintaining good credit requires more than this. Understanding the importance of a healthy credit mix is crucial (see "Understanding
The average age of your credit accounts is a crucial factor in your credit score. Closing older accounts or frequently opening new tradelines can lower the average age, negatively impacting your score (see
Last-minute tradeline purchases might seem like a quick solution to boost your credit score, but they often do more harm than good. These purchases can disrupt your credit mix (see "Understanding Credit Mix:
Relying on a single tradeline is not enough to build a robust credit profile. A healthy credit mix, including different types of credit, is crucial (see "Understanding Credit Mix: A Crucial Element in
High credit utilization ratios can significantly lower your credit score. Relying on purchased tradelines to mitigate this can be a short-term solution (see "Avoid Last-Minute Tradeline Purchases"). Instead, focus on reducing your debt
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