• Method 1 Rental Trade-lines………………………………………………………6-15 Method 2. 3rd Party Furnisher Via Accounts

Method 2. 3rd Party Furnisher Via Accounts

This is by far the easiest primary trade-line process to complete. The best thing about this process is it is very low cost. These accounts can be free or have a yearly membership fee. Each one will be different. Make sure you read the terms and conditions before applying.

These will be new accounts with no history. But, will show up on your credit report as Open paid as agreed. And even if you do not use them, they will report monthly to your credit report. Not all of them report to all 3 credit bureaus. Check with each one before choosing your accounts.

These are basically super easy to get accounts anyone will get approved for that report to your credit. These are great if you are building credit or a CPN number on a budget. It is invaluable to have as many accounts as possible on file to start out. The higher your total of credit limits is a large factor when calculating your credit score.

Make sure even if you do decide to buy something from these accounts that you stay below 10% of the actual credit limit. This is also another very important factor the credit bureaus use to calculate the credit score on your consumer report. You will want to have as much credit as possible with the least utilization that should be your end goal with this process.

You can choose to apply for only 1 of these or all of them. The more the better for your credit score. Please note on month 1 you may see a decline in your credit score from opening accounts. As the first 30 days pass you will see your credit score start to rise 20-30 points per month using these accounts alone.

It is very important that you use the same information on every single application. If you are using a CPN make sure it’s the same information used in the tri-merge process. If you are using your credit file make sure you use the information you have previously used to apply for credit. If you enter a different address, phone number, name, date of birth or employer that information will also be added to your credit report along with the trade-line.

Step 1. From the list below choose the account that best fits your needs and budget.

Step 2. Remember to use the same information you have previously used in order to not add an additional address, phone number or employer to your credit report.

Step 3. Wait for the account to post to your report.

Horizon Gold Card -- horizoncardservices.com $500 Credit Limit • Online store purchases only • Guaranteed Approval • Reports to TRANSUNION ONLY • $25 monthly fee to report

OX Publishing -- oxpublishing.com $2500 Credit Limit

• Online store only • Guaranteed Approval • $100 min order to activate account • Reports to EQUIFAX ONLY • 60 days until the first reporting • $20 per month to report

Hutton Chase -- huttonchase.com a. $1500 Credit Line

• Online Store • No application denied • $180 min order to activate account • Reports to EQUIFAX ONLY • 60 days until 1st reporting • $25 per month to report

Group One Freedom Card -- https://grouponefreedomcard.com/ • $500 credit line • Online Retail only • Guaranteed approval • Membership fee $25 • Reports to TRANSUNION, and EQUIFAX • Reports 1st and 15th each month

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My Jewelers Club

https://www.myjewelersclub.com/credit-application/cart-notice $5000 Credit Limit

• Online only • Guaranteed Approval • Membership fee of $99 • Min order of $100 • Reports to EXPERIAN, TRANSUNION, and EQUIFAX • Reports on the 1st business day of each month

New Coast Direct -- https://www.newcoastdirect.com/how-it-works

$5000 Credit Limit • Online only • Guaranteed Approval • Membership fee of $99 • Min order of $100 • Reports to EXPERIAN, TRANSUNION, and EQUIFAX • Reports on the 9th, business day of each month

It is important to remember. These are brand new trade-lines. Once they start reporting to your credit report all you have to do is watch your score go up. As said above about all primarytradelines. They stay on your credit report for 7 years. Even if you cancel your membership the account will still report to your credit file on a monthly basis.

This method can be used in conjunction with other primary trade-line methods in this course to create a very strong credit file. The larger your mix, limit and type of account the faster your scores will start to go up.

Make sure you read the full terms and conditions for the above sites. We are in no way affiliated with them. This is just a method we have used countless times and find to still be working right.