Credit Score Boost Assistance

Not everyone may benefit from adding a tradelines. Current utilization rate, average account history and current payment history plays a big role in the health of your overall credit. Everyone’s report is as unique as they are. In essence, your credit report is your financial DNA. This is why we ask to speak to everyone who purchases from us and give them a free, personalized consultation to make sure tradelines (and which tradelines) are right for them.

We only offer Authorized user Tradelines.

We do not offer primary tradelines.

If you do not have any credit established, you have what is called a thin file. Tradelines may help you start building your credit history.

All of our tradelines are sold for a minimum of 2 cycles, which is approximately 45-60 days.

The main benefit of purchasing tradelines is time. As an example, let’s say you have cleaned the negatives off your report, or you have a nearly blank file for whatever reason (never used credit, are very young, etc), then the traditional process would be to get a secured card, or some type of credit building loan, and pay on these for 6 months to a year before you are able to even think of applying for an unsecured card, get an auto loan, etc. Tradelines will give you the same, and usually much better, results in as little as 30-60 days.

Any positive data you put on your report will have an impact. How much depends on what you already have on your reports. We recommend that people try to get themselves into the best possible position to take maximum advantage of the tradeline(s).

Traditional credit repair takes anywhere from one month to several years. NEW U CONCEPTS does not offer traditional credit repair services, at this time.

We do not add tradelines for businesses. Unlike personal credit, business credit reports data to Dun & Bradstreet instead of Experian, TransUnion and Equifax. Therefore, adding tradelines to businesses is not practical or possible. To learn more how to build your business credit profile please visit www.dnb.com However, if you are a personal guarantor you will be required to have strong credit yourself and may need tradelines to improve your personal credit profile.

Yes, we do our due diligence to make sure that all customers who purchase from us are who they say they are and are representing their true data. This is to prevent people whose intentions are to commit fraud. We utilize a multi-layer verification system that allows us to identify any potential red flags in your application and the identity information that you furnish to us. Clients verification is our top priority.

We verify and protect our clients and cardholders. This means that our lines are at lower risk of shut down. We consider customer service and education more important than profit. We view the failure of our education system to inform the populace about the very important and vital subject of credit, so we don’t mind answering any and all questions regarding your situation and the general state of the credit industry. We have contracts and guarantees in place to protect you as a consumer and inform you fully before you sign with us. We do not advise purchasing tradelines if it is not in your best interest, ever.