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14 THOUGHTS ON “VIDEOS”
Tony says:
October 26, 2017 at 9:31 pm
If i owe the bank for overdrafts, would it deviate my gain from an AU. I listend to one of your
videos and you guys stated if yu owe on collections or charge o!s then it might not post to my
credit report >>> (AU).
Reply
Robert says:
November 24, 2017 at 12:31 pm
Potentially, yes. However, there’s more to it. Is the overdraft reported as a collection
account on your credit report? If so, yes, it will probably o!set the bene"t you would
receive from tradelines. However, how long ago was it? Is it paid? Is it actively reporting
(every month)? By the way, collections and charge o!s to prevent authorized user
tradelines from reporting to you credit report. Instead, collections and charge of reduce
the credit score increase you would ordinarily receive from tradelins had the collection or
charge o! not been reporting. You should give us a call at 800-431-4741 or go to
https://superiortradelines.com/start/ so we can help you determine the answer.
Reply
Robert says:
January 5, 2018 at 10:00 pm
Well, let’s "gure out why and "gure out what we can do about that. Have you called us or
signed up? I’d recommend it. We help "gure out these things for free.
Reply
Hi I have a 480 credit score and I’m currently working with LexingtonLaw to remove negative
things o! my record and I was just added to my mom credit line which is a 15,000 credit line and
she has a 830 credit score .. will this hurt me ?? Or help ?
Reply
Robert says:
June 26, 2018 at 12:42 pm
Most likely help you. Does it have any late payments? Is the balance below 30%
(preferably below 10%)?
Reply
Leon says:
August 2, 2018 at 11:15 am
I have FICO scores of Experian (664), Transunion (693), Equifax (680) with one open collection.
Would AU tradelines bene"t me? I would like to buy an owner-occupied/investment property
within the next 6 months.
Reply
Robert says:
October 18, 2018 at 2:36 pm
It’s possible, for sure. However, it depends on the collection. Is it recent? How much is the
balance? It may not a!ect you at all, it may a!ect your score or it could completely take
you out of the running for a loan, despite increased credit scores by buying a tradeline.
Also, have you talked to a lender about the credit requirements? Let’s talk!
https://superiortradelines.com/start
Reply
Will says:
September 21, 2018 at 2:00 pm
Robert says:
October 18, 2018 at 12:38 pm
I owe for some tra#c tickets, like 4,000 and I’m just getting home from a fourteen-year prison
sentence and would like to get my life back on track as a productive citizen will this help me in
that "eld!!??
Reply
Robert says:
October 27, 2018 at 12:51 pm
Hey Adam, congrats on getting on track! So, tra#c tickets are crazy. They’re unlike regular
debt held by a creditor. Anything government is forever. You cannot “settle” them, you
cannot “dispute” them, etc. So, unfortunately, you’ll either have to pay them or prove that
you weren’t responsible for them (i.e., someone got a parking ticket with your car while
you were in jail, etc.). I would try to contact the government "rst and see if there’s
anything they can do, such as waive fees, since you were literally unable to pay them on
time. Always start with the easiest step. Then, move on to the tougher things, such as
paying them.
As far as tradelines are concerned, tradelines will not "x the tra#c tickets, but it could
boost your credit score. So, yes, it could help. But, it also depends on what you’re trying to
accomplish in terms of credit. So, what are you trying to accomplish in terms of credit? Let
me know and I’ll answer you further. Thanks!
Reply
I recently "led chapter 7 bankruptcy. I "led in May and was discharged in June of 18”. I have a
secured visa through my credit union. My current score is 564. Can a trade line help increase my
score?
Reply
Robert says:
January 18, 2019 at 2:23 pm
Jeannean,
In situations like yours, the answer I give is not the full picture. So, keep both of the
following sentences in mind. First, you stand to gain signi"cant points when you add
tradelines after a bankruptcy. Second, this might not matter; typically, future lenders may
not care about your credit scores (good or bad) and may deny a loan purely on the basis
that you have a bankruptcy within the last ["ll in the blank amount of time]. So, yes, your
scores will go up <--- direct answer to your question. However, I wouldn't recommend
tradelines because most lenders will deny your loan, anyway. So, in order for us to sell
tradelines to you, we'd need to check two things: 1) What is in your credit report (any
negatives left over, etc)? 2) Do you have a lender who promised to lend you money,
regardless of bankruptcy, so long as your credit scores are su#cient? Hope that helps!!
Reply
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