DISCOVER
ELITE TRADELINES
A simple, safe effective way to boost your credit score. What can you accomplish with a strong personal credit profile and a high credit score? Pretty much anything you want!!! Count me in!
How can YOU achieve a higher score quickly? The short answer is by using high quality authorized user tradelines.
What are authorized user tradelines?
First, understand that tradelines are credit accounts whether positive or negative, currently reporting on your credit report: credit cards, mortgages, auto loans, student loans, store cards, etc. are all considered credit tradelines. A seasoned tradeline is at least two years old and in good standing. An authorized user basically means you have someone else’s card in your name with all the rights and privileges, but without the legal responsibility. Through a method known as “credit piggybacking,” we add you as an Authorized User (AU) to one or more high limit, low balance, seasoned credit cards, which drastically improves your credit score rapidly! While you do not receive the physical card or ability to use the credit line, you will receive the amazing benefit of having that particular credit card on your credit report. This increase in the limit to balance (utilization) ratio, payment history, and overall average age of the revolving accounts on your credit report gives you the biggest possible score boost in 60 days or less.
What’s in it for me? Here are some benefits of using Elite Authorized User Tradelines?
✔ Elite Tradelines cover 90% of the factors affecting your credit scores
✔ Helps increase credit scores
✔ Enhances payment history
✔ Adds credit strength and stability
✔ Decreases your overall debt utilization ratio
✔ Lengthens and ages your credit history
✔ Most importantly, makes you credit worthy so you can get the best rates when buying a car, getting insurance, buying a house, renting an apartment and much more.
HERE ARE 5 WAYS ELITE TRADELINES CAN BE USED TO HELP IMPROVE YOUR CREDIT SITUATION:
Situation #1:
Your credit score is low because you have missed payments
on existing credit accounts. Now you are showing 30 days late, 60 days late, etc. To improve your credit score if it is affected by missed payments you need to get at least two tradelines for each credit account in which you missed a payment to offset the negative, in order to see a boost in your credit score.
Situation #2:
Your credit is too new
to get you qualified to purchase a car, a house, etc. This is likely due to the age of your current accounts. You can solve this issue by getting seasoned (2+yrs) tradelines.
Situation #3:
High utilization or maxed out credit
is causing your credit score to be low. Since your credit accounts are maxed out the solution is to get high limit tradelines [with no or low balances] to raise your total available credit limits so that your utilization rate falls and your credit score rises.
Situation #4:
You don’t have enough credit accounts (too few)
to meet lender requirements. If your lender requires you to have multiple accounts or for your accounts to be older, then you will have to get tradelines that are at least two years old (the older the better) to qualify for a loan.
Situation #5:
Your credit has been affected by a bankruptcy
and you need to rebuild your credit profile. You can solve this issue (if bankruptcy has been discharged) by getting 2 seasoned tradelines and by adding at least one new account with a large credit limit. (we have the perfect tradelines for this situation)
What makes Elite AU Tradelines elite? Elite Authorize User Tradelines are superior in every way to give you the credit you need to propel your financial future. Our authorize user tradelines cover
90% of the factors affecting your score. See details below.
✔ Superb Payment Histories:
our accounts have excellent payment histories and are open and active to provide positive current reporting. Payment history accounts for 35%
of your FICO score.
✔ Superb Utilization Ratios:
Balance-to-Limit utilization ratios are kept at a minimum level (less than 10% of credit limit is used) to re-enforce your responsible use of credit. Credit utilization accounts for 30%
of your FICO score.
✔ Superb Seasoned Accounts:
positive accounts with long credit histories of up to 20 years shows a longer time with established credit. The age of your credit accounts for 15%
of your FICO score.
✔ Superb Accounts Inventory:
there are a variety of accounts offered to expand the types of credit you have in use. This category accounts for10%of your FICO score.
✔ Range of Credit Limits:
we have tradeline account limits of $2.5k to $40k to choose from. Having a variety of limits shows you can manage accounts with higher & higher credit limits and helps you get approved for same size or higher limits on your own.
✔ Long Active Reporting Periods:
we provide long reporting periods so the account shows up as open, active and stays on your credit report for 3 months, with the option to extend service for 3 additional months.
✔ All Bureau Reporting:
accounts report to all 3 major consumer credit reporting agencies [Equifax, Transunion, Experian] on a monthly basis until removed.
✔ Highly Rated Companies:
all accounts offered in inventory are with Fortune 500 blue-chip financial institutions.
✔ Transparent Transaction:
the credit account holder for the cards you select personally submits your information and places you on their credit account as an Authorize User.
✔ The Process:
our simple process is as easy as 1-2-3. Select your tradelines and complete your order
… make your payment... We register you as an Authorized User. You’re done!
How It Works
✔ Send us an email stating which tradelines you want along with your name and phone number
✔ We email you an application /authorization form to complete
✔ Select the tradeline accounts on the form you want and return completed form with your payment
✔ Your order is completed within 72 hours from your confirmed payment
✔ An email is sent to you to confirm submission of your order and placement on the account [s]
✔ Monitor your credit reports to document posting of the tradeline accounts
Who We Are
For the past 25 years we have helped thousands of business owners to improve their financial capacity and credibility. Now we are helping individual consumers do the same. A powerful combination for entrepreneurs is to have great business credit and excellent personal credit. Possessing this powerful credit duo provides two financial assets that can be leveraged to acquire business resources, such as loans, lines of credit, private investors, strategic alliances, contracts, as well as favorable terms on insurance, leasing, and merchant services. As a business owner, you will need all of these to build a successful, profitable and thriving enterprise. However, having excellent personal credit
is not just for business owners. If you want to grow your personal wealth and have access to great financial resources, the first place to start is with improving your personal credit.
Through Elite Tradeline, we have made it possible for you to use OUR
personal credit history and strength to improve your own. Our goal is to help you build strong personal credit profiles in your own name in order to get favorable rates on credit cards, auto loans, home loans, leases and lines of credit. We are a small private family business, which means all the cards we use are owned by our group, and they have been vetted to meet the highest standards. Our cardholders are retired corporate executives, entrepreneurs, and business people who understand the value of having great credit. You will get prompt reliable service by someone who has invested years building a flawless credit history. We guarantee that you will make it on your chosen tradelines or you get your money back. We also leave you on your chosen lines for a minimum of 90 days, with the option of extending the reporting period by 3 months. Most of our competitors will move you on and off in 30 days. We offer tradelines from Capital One, Chase, USAA, Credit Unions and more, ranging in age up to 20 years, and credit limits up to $42k.
In order to facilitate a smooth transaction
✔ You must not have a lock of any kind on your credit with the 3 Credit bureaus. Tradelines will fail if
you have a credit lock or freeze of any kind. If you have one you are removing, please discuss it with
us before we attempt to add you to the tradelines.
✔ We do not work with CPN, SCN, etc. – you must have a valid verified Social Security number.
✔ You also must not have any bad debts with the particular card issuer you choose to use. For example,
if you owe Discover money, we can still use a Chase card for instance, but not Discover cards.
✔ Some tradeline add-ons fail for reasons that are beyond our control. This happens in less than 10% of the
cases. Occasionally only one bureau fails to report – in that case we refund 1/3 of your payment for
a particular card, for each agency that it fails to show on. So if it fails to show on all 3, you get a full
refund, for that tradeline.
✔ You should not purchase seasoned tradelines if you have an ongoing (open) dispute with a credit
bureau, wait until the dispute has been resolved.
When do we actually add the Authorized User to an account?
We prefer to add users at least 5 days before the reporting date of each card. Usually, the tradelines will then show on your credit reports within a week after the closing date. However, we cannot guarantee that, so please allow up to 45 days after the shown closing date for tradelines to show up on your reports. After posting they will report monthly activity for 4 months. After that, the tradelines will appear on your credit report indefinitely, without being updated with new monthly reporting, so their effectiveness slowly diminishes as they ‘age off of your credit report.
We do not pull your credit reports, but leave you with that responsibility, for increased privacy. However, we do need to see a copy of your credit report before and after posting. We suggest using CreditKarma.com or CreditCheckTotal.com tri-merge reports to document before and after posting.
It is your responsibility to let us know if a card has not shown up for you. Save a copy of your tri-merge credit report as a PDF, that is dated at least 45+ days from the initial closing date before which you were added.
When you rent a tradeline from Elite Tradeline, your name, social security number, and date of birth will be added as an authorized user to the tradeline you are getting. When you rent our tradelines, the payment history, credit limit, outstanding balance, and the age of the credit card you are added to, will be included on your credit report while you are an authorized user.
Tradeline InventoryBe sure to use a Referral Code to lock-in huge savings on your order!!! The price adjustment will be taken on your complete invoice and shown during checkout.
SKU Account Type Limit Age Cost Spots Av. Closing Date
AU01 National Bank VISA $10,000 11.2 yrs $975 1 15th
AU02 National Bank VISA $9,500 14.4 $975 1 5th
AU03 Care Credit Brand $5,000 8.10 $895 1 5th
AU04 Credit Union VISA $6,000 8.3 $895 1 25th
AU05 Capital One MC $3,000 8.5 $895 0 25th
AU06 Elan Financial VISA $4,800 9.0 $895 0 1st
AU07 Discover Brand $15,500 8.7 $975 0 25th
AU08 Citi/Best Buy VISA $2,500 5.3 $895 0 25th
AU09 American Exp Brand $15,000 7.1 $975 1 10th
AU10 Navy Federal VISA $25,000 8.1 $1095 0 15th
AU11 USAA VISA $42,500 15.9 $1275 0 15th
AU12 Citi MC $21,000 7.5 $1095 0 10th
AU13 Chase VISA $7,000 4.0 $895 1 15th
AU14 U.S. Bank VISA $12,500 6.6 $975 0 1st
AU15 Barclays VISA $35,000 8.8 $1275 0 1st
AU16 Discover Brand $14,300 2.0 $975 0 5th
AU17 CITI VISA $4,700 2.0 $895 1 20th
AU18 Fidelity VISA $18,000 1.6 $1095 1 22nd
What You Need To Do Next
✔Let
us know what tradeline(s) you want so we can verify availability
✔Pull
a copy of your tri-merge credit report to show proof of current status
✔Complete
and submit one page application and authorization form
✔Provide identification with legal name and full address
✔Provide your valid social security card or an SSA letter with name and number shown
✔Make
your payment (we accept cash, check, debit or PayPal payments)
✔Setup account with credit monitoring service to track tradelines posting to your report
Once the tradelines you are renting show up on your credit report it will remain on your reports for 3 months until active reporting stops; or unless you extend the service to get additional months of reporting.
Please Keep In Mind
Please remember that we cannot predict, offer, or guarantee any particular credit score or increase with this process – there are too many factors that affect your personal credit report, and too many scoring models. You are renting these tradelines to show up on your credit report – that we do guarantee.
If you are unsure if tradelines are right for you, please do your research first. We don’t want to sell anyone a product they don’t need. Google is very helpful on this subject. We’ve seen scores go up dramatically enough to know they work – and quickly – in the right situations. Of course, the more negative items you have on your report, the more there is to overcome. For this reason we encourage you to work with a credit repair company (we have an excellent one you can use) who can help you remove the negative items, and we add the positive accounts. For those with a thin credit report and not many positive accounts, tradelines can make a huge difference.
Referral Partner / Affiliate Program
Do you want to earn extra money in a simple way by referring clients to us? We will pay you a $50.00 referral fee for each new customer who places an order with us. In order to track your referrals you must register with us as an affiliate before making the referral. You will receive a unique Referral Code to give to all your leads. Your referrals must identify you as the referring party when the order is placed. The customer will receive a $100.00 discount on their order if they submit your Referral Code when placing the order. Without the code they do not get a discount and you do not get a fee.
All smart business people can join this referral program and you can refer as many people as you want. This affiliate program can be a significant opportunity for additional passive income for credit repair companies, real estate agents, brokers, attorneys, accountants, tax preparers, insurance agents, lenders, car salesman, financial advisors, leasing agents, consultants, and business advisors. In other words, anyone who is a trusted advisor in the financial industry, credit industry, business funding, real estate, mortgages, tax advisors, consultants, and networkers. The opportunity can be leveraged even further if you have a popular blog, YouTube channel, website, group meetings, radio presence, and social media followers.
To sign up for our Referral Partner Affiliate Program just send us an email with “Referral Partner” in the subject line [before you refer someone]. Include your full name, mobile phone number and email address with your information letting us know you would like to get signed up. We will contact you to complete the simple process.