What’s for sale?

Authorized User Tradeline for CitiBank card with $25,000 limit, 5 years and 0 months of on-time payments. Typically reports to credit bureaus around the 20th day of the month. You will be added as an Authorized User for 2 billing cycles. If you want more than 2 billing cycles, please purchase additional items. Each item gives you 2 billing cycles. So purchasing 2 items will get 4 billing cycles reported. I’m currently offering 25% off on 2 items (4 billing cycles), 30% off 3 items (6 billing cycles), and 35% off 4 items (8 billing cycles)

Why buy this tradeline?

· To add a flawless payment history to your existing payment history. All card listings will have a perfect payment history for the entire length of the credit card’s existence. This accounts for 35% of your FICO score according to Experian. The older the card, the longer the payment history that you’ll inherit. (See factor #1 below)

· To lower your overall credit utilization. This accounts for 30% of your FICO score according to Experian. For example, if all of your existing credit cards have a total credit limit of $10k, and you currently owe $8k, your credit utilization is 80%. If you become an Authorized User on a card with a $30k limit with a zero balance, now you have a total credit limit of $10k+$30k which equals $40k, with still $8k owed. This brings your credit utilization down to just 20% from the original 80%. Ideally, this should be less than 30%, but the lower the better. (See factor #2 below)

· To lengthen your overall credit history. If the tradeline you’re considering purchasing is older than your oldest credit account, then your report will inherit this account as your oldest account. According to Experian, this accounts for 15% of your FICO score. (See factor #3 below)

What 5 Factors Affect Your Credit Score?

While scoring models differ slightly, most use the same core categories to calculate your score. According to Experian, one of the three major credit bureaus, here’s a general breakdown of how credit scores are determined:

1. Payment History – 35%

· Your track record for paying bills on time. Late payments, collections, and bankruptcies can hurt this part of your score the most.

2. Amounts Owed – 30%

· Also known as credit utilization, this looks at how much of your available credit you're using. Keeping your balances low, especially on credit cards, can help.

3. Length of Credit History – 15%

· How long you've had credit accounts open. A longer credit history can help, especially if you’ve handled your accounts responsibly.

4. Credit Mix – 10%

· Having a mix of credit types, like credit cards, auto loans, and a mortgage, can show lenders you're experienced managing different forms of credit.

5. New Credit – 10%

· This includes recent credit inquiries and newly opened accounts. Too many applications in a short period might raise red flags.

Credit Repair - CitiBank TL - 25,000 Limit - Aged 5 Years 0 Months

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