One AU on a blank file will give your a credit score 700 range; 2 AU’s will get you a 700 to 775 score range.
All AU lines post 7 to 15 days from the noted statement closed date and report on your file as an “open account”. After 30-45 days the line will show up as an closed account, but the line will remain on your file for 8 years. Lines are supposed to show on all 3 credit bureaus, however we only guarantee posting on at least 1.
WE ONLY ACCEPT CASHAPP, VEMO, BANK DEPOSIT, MONEYGRAM, WESTERN UNION, WALMART TO WALMART OR ZELLE FOR TRADELINE PAYMENTS.
What is a tradeline?
Adding an Tradeline (or sometimes called authorized user) is a GREAT hack to improve your credit score. It can increase your chances to get higher “funding,” qualifying for a house, an auto loan or whatever your credit goal is.
So, what exactly is an “Authorized User?”
An Authorized Users is someone who holds a credit line but is not the actual primary account holder.
Here’s an example:
Say you are married and you own a credit card with a $10,000 limit with a $500 balance. You add your wife with no credit history as an “Authorized User” with your credit card company so she can use your credit card etc. Now your past credit card history will show up on her credit as well just as it is on yours.
How can the authorized user improve my credit?
Well, in the above example, the wife didn’t have much credit at all but her goal is to try to qualify for loans or credit cards in the future on her own. Since she has no credit, adding the authorized user will actually benefit the wife. The $10,000 limit will actually show up on her credit report now. This process is also called “piggybacking.”
There is a misconception that adding authorized users to one’s file will automatically make the credit sky rocket with super powers and now you qualify for $150,000 in loans etc.
Don’t get me wrong, they do help or give a credit boost but you have to be somewhat realistic, they’re not magic! Of course, banks can tell if an account is an authorized user or if it is actually your account (primary account) so keep that in mind.
BUT it does increase your credit score and improve history in the above example because she didn’t have much credit history. Since the husband only owes $500, this low balance is a great low utilization. Banks will now see her credit report which will show the $10,000 credit card and be more prone to extending her credit now or approving her loan.
On the contrary, if the husband owed $10,000, than the credit card would be considered maxed out. If her goal was to try to get “funding,” even though the husband has not missed one payment, it would actually hurt her credit since the balance or utilization is so high. Banks see this as being “maxed out” so they most likely would not like to extend her credit or approve her for a loan.
Revolving and installment accounts are 30% of your credit score so depending on how many accounts you have, an authorized user can greatly improve your credit and increase your score.
Some important things to know before adding authorized users to your account
Be sure you know what the balance is or make sure that its under 30% of the credit card limit. No use in adding an authorized user to your file if its over 50% or maxed out.
Before adding Citi, Capital One, Discover authorized users please note these credit card companies now require that you send in ID and SSN copies sent in. So if you have a CPN file, they won’t be added.
If you are adding an Authorized User to get higher funding, add 1 to 2 AUs (authorized users) that are at least 2 years old and minimum of $8000 credit limit. Anything less would make that much of a impact. The bigger the limit, the better!
A SCN/CPN number is a nine-digit number that has the exact same genetic makeup of a Social Security Number. It is simply an available file number at the credit bureaus that can have financial information and payments reported. You have the right to establish this number only once, so do not abuse it. This explanation is not here to advise anyone to misrepresent your Social Security Number, as you are completely responsible for any debts you incur using your SCN/CPN. -Wikipedia
What Are Public Records?
A Public Records file is a file that we setup for you to make it look like you have been around for awhile and not someone who just “popped up” yesterday with a CPN number. Most creditors are very aware of CPN numbers. Now when they pull your credit they also go to the “Public Records Domain” to look for you. Without a public records file, the credit bureaus will flag you as a “ghost” and you will not be able to obtain credit anywhere.
Not intended for illegal use. For educational purposes only. By purchasing a CPN from us, you agree to comply with all State and Federal laws. You are legally responsible for any debt you incur by using a CPN. It is your responsibility to inform any bank or lender that you are using a CPN in place of your SSN. This program is not intended to be used as a method of defrauding banks, creditors, or any other organization that requires your social security number as identification. This program is not a method to avoid paying your existing or future debts. If you created the debt, you are responsible to repay that debt. However, we will not support, facilitate, nor condone any fraudulent activity. The information here is informational purposes only and for you to use at your own risk. We are not lawyers or any legal services. We have a non refund policy because of the work needed to give you the info.