People are obsessive with removing things from their credit. Look baby, it is what it is. If it is incorrect or not RIGHT IN ANYWAY it should come off. Here is the kicker though, You need some possible credit to help you. You need 3 to 6 lines of active, healthy, on time payment history credit to get the true boost you are looking for.
Most are going to say well ericka I can just buy tradelines. Some one elses tradelines. Well that doesn’t work anymore. Will you get a vantage score boost? Yes you will, but your FICO 9 will still be in shambles.
You need a PRIMARY tradelines to help you account look strong when applying for new credit cards or lines of credit to help give you a lasting boost.
- hutton chase
- ox publishing
- my jewlers club
- gettington (similar to fingerhut)
- Secured Loan from Local bank
- Secured Credit Card from Local Bank
- Truth is most folks will have (car, credit card, student loans)
If you can show 1 through 6 with great payment history and utilitzation for the next 6 months you may have a 100 to 300 point bounce. Some folks do not realize when adding seasoned tradelines each trade line depending on several factors will give you a 30 points to 50 point bounce. If you have a really thin file or young with no kind of credit you may get a 100 to point per tradeline you buy. which is why season tradelines are so popular.
Here is the thing you may pay $250 to $2000 dollars per tradeline. If you have $2000 to $5000 dollars to put on tradelines you have the resources to improve your credit without them.