Welcome to Restoring My Credit, your trusted partner in credit services. We've specialized in helping individuals improve their credit scores for over 5 years. We give you insight on credit, credit mix, tradelines, and CPNs so you can maximize your creditworthiness with understanding & knowledge.
Credit is a financial agreement that allows a person to buy goods or services before paying for them, with the expectation that payment will be made in the future.It can also refer to the balance in a person's favor in an account or sum made available by a bank.
It's a financial agreement between the borrower and a lender. The borrower agrees to pay back the lender, usually with interest, over a period of time.
A Credit Score is a number that measures how well someone has borrowed and repaid money.
Failing to repay credit as agreed can affect your ability to borrow, rent, or even get a job.
Credit scores change over time and typically grow as income increases and repayment history improves.
***HOW CREDIT WORKS***
*CREDIT AGREEMENT: The borrower and lender agree to specific terms, such as the amount borrowed. the interest rate, and the repayment schedule.
*CREDIT SCORE: A three-digit number that summarizes a person's credit history and creditworthiness. Lenders use credit scores to determine how much credit to extend to a borrower.
*CREDIT TYPES: There are many types of credit, including credit cards, mortgages, personal loans, and student loans.
*SECURED VS UNSECURED: Secure credit requires the borrower to put up collateral, such as a home or investments. Unsecured credit does not require collateral.
***WHY IS CREDIT IMPORTANT***
* Credit can help people make large purchases, like a home or a car.
* Credit can help people consolidate debt or manage unexpected costs.
* A good credit score can help people get loans, jobs, and rent or buy a home.
As explained about the different types of credit, we'll be discussing why different types of credit matter to your credit score & credit report.
* DEFINITION: Credit mix is a factor that's generally considered when calculating credit scores. It's made up of the different types of credit accounts listed on your credit report, including revolving credit (credit cards) and installment credit (car loans and mortgages).
*IMPORTANCE: A good credit mix is important for getting a good credit score, which can help you get a mortgage or auto loan with a low rate. Lenders like to see that you can responsibly manage different types of credit accounts. This applys to an SSN profile or CPN profile.
* HOW IT'S CALCULATED: The weight given to credit mix in calculating your credit score can vary depending on the credit scoring model used. It's not just the number of each type of account you have, but how they relate to each other and score factors.
*WHAT"S NOT INCLUDED: Payday and title loans aren't counted toward your credit mix because they aren't tied to a secure credit score.
Now that we've discussed the basics of credit and the importance of a credit mix, let's continue your credit journey. Next you'll get some insight on credit repair, credit scores, credit reports, and etc.. and the other services offered at Restoring My Credit.
***WHAT ARE THE BENEFITS OF BUILDING CREDIT? ***
One of the best benefits of building credit is the credit score. Building credit allows you to have financial freedom. Having good credit offers numerous benefits, including access to lower interest rates, better loan terms, and potentially higher credit limits, as well as easier access to credit cards and rental properties.
*WHAT TO CHECK FOR ON YOUR CREDIT REPORT*
You'll need to check to ensure the accuracy of the items on your credit report. What you'll be checking for includes
*YOUR ACCOUNTS: We'll make sure all accounts belong to you.
*CREDIT COMPANIES: We'll verify that all businesses on your account are CREDITORS & LENDERS you recognize.
*OPEN ACCOUNTS: Ensure all active accounts are reported as open.
*PERSONAL INFORMATION: We'll be making sure all personal information, such as your address, employer, etc., is accurate.
*PAYMENT HISTORY: We'll be making sure all reported payments & payment history are accurate to what you've paid.
*REPORTING TIMEFRAMES: We'll also verify that all reported information, such as negative remarks, has not stayed on your record past the statute of limitations.
*BANKRUPTCY: We'll ensure bankruptcy debts are marked as discharged in bankruptcy if you filed.
HOW TO GET YOUR FREE CREDIT REPORT!
Consumers are allowed to access their credit report information from all three credit bureaus for free once every 12 months, per federal law.
To request your credit report, visit www.annualcreditreport.com
A tradeline is a record on your credit report that lists a credit account you have with a lender.
A tradeline contains information about the account, such as: The creditor, The type of credit, The original credit limit, Payment history, Account activity.
Lenders use tradelines to calculate your credit score and decide how risky it would be to lend you money.
* Revolving tradelines: These include credit cards, home equity lines of credit, etc.
* Installment tradelines: These include mortgages, auto loans, personal loans, & student loans.
* Seasoned tradelines: A seasoned tradeline is a line of credit that has been opened & in good standing for at least two years. They are considered the most valuable type of tradeline.
* Authorized user tradelines: When you are added as an authorized user to someone else's credit account. The account holder's payment history & credit utilization will appear on your credit report.
* Business tradelines: A credit account between a business & a vendor.
Auto Tradelines: These tradelines are specific to auto loans & show a history of timely payments on a car loan, which can be beneficial if you're looking to finance a vehicle.
Aged Tradelines are Seasoned Credit Accounts with a long history of Positive Credit Behavior. Adding these to your credit report can help improve your credit score by showing a history of responsible credit use.
Aged Tradelines typically can stay on your credit report for as long as the account is open and in good standing; closed accounts with a positive payment history can actually stay on your credit report for about 10 years. Which will continue to benefit your credit score; you also appear as the primary account holder.
Adding aged tradelines can improve your credit score, making it easier to qualify for loans or mortgages with better terms & interest rates.
Auto Tradelines: These are specific to auto loans and show a history of timely payments on a car loan, which can be beneficial if you're looking to finance a vehicle. It'll also enhance your credit mix for a better credit score & strong credit profile. Restoring My Credit doesn't offer any guarantees on any results; we do guarantee that your tradeline will report on your credit report. Everyone's credit report is different, so it's up to you to take in the knowledge & tools that we provide so you can determine what tradeline works for you.
Tradelines are the addition of positive items to a credit report for the purpose of increasing credit scores.
* ARE TRADELINES LEGAL? *
Yes, it's legal to use an aged tradeline & authorized user; the practice of being added as an authorized user to someone else's credit account to benefit from their credit history is permitted by credit bureaus.
*HOW DO TRADELINES SHOW UP ON YOUR CREDIT REPORT?*
Tradelines will show the account type, credit limit, balance, payment history, and account status (open, closed, or paid). Authorized user tradelines will be marked as "AU," indicating that you're an authorized user & not the primary account holder. Primary tradelines will show you as being the primary account holder with a majority of the same information listed above.
*HOW DO I CHOOSE THE RIGHT TRADELINE FOR MY NEEDS?*
Choosing the right tradeline for you depends on your credit goals. If you're looking to finance a car for about $45k, it'll benefit you to show a history of paying off a car loan that was about half your desired amount. In a similar fashion for improving credit card approvals, a tradeline with a high credit limit and low utilization ratio is the way to go.
*AUTHORIZED USER TRADELINES DON'T ALWAYS WORK*
Authorized user tradelines show as "AU" on your credit report, which indicates that someone else is responsible for paying the debt. Lenders can see this and know that the positive history isn't entirely your own; this can potentially reduce the impact on your creditworthiness compared to a primary tradeline.
*ADDING TRADELINES TO REMOVE NEGATIVE ITEMS FROM YOUR CREDIT REPORT*
Adding tradelines will not remove negative items from your credit report. However, the positive history from the tradeline can help offset the impact of the negative items.
*HOW LONG DOES THE PROCESS OF ADDING TRADELINES TAKE?*
The process of adding a tradeline can take 20–35 days (primary), depending on the credit card issuer's reporting cycle. You can expect to see the tradeline on your credit report within this time frame.
If the tradeline doesn't appear on your credit report within the time frame expected, contact us immediately; we'll work with you & the credit card issuer to resolve the issue (exchange if necessary).
*CREDIT UTILIZATION RATIO IMPROVEMENT*
Adding aged tradelines with high credit limits and low balances can improve your credit utilization ratio, which can be an awesome factor in calculating your credit score.
*WHERE DO AGED PRIMARY TRADELINES GET REPORTED TO*
Authorized user tradelines get reported to the 3 credit bureaus: Experian, Equifax, & TransUnion.
Aged primary tradelines get reported to TransUnion, Experian, Equifax, & Innovis in 30 to 35 days after the reassignment process is done.
*PURCHASE TRADELINES*
To purchase tradelines, select the tradelines that best fit your needs, provide the necessary information, & complete the purchase. Our team will assist you in the process if needed & ensure the tradelines are added to your credit report promptly. Remember that your personal information should match what's on your credit report.
PLEASE BE SURE TO REMOVE ALL SECURITY FREEZES FROM CREDIT REPORTS, OR TRADELINES WILL NOT POST!
These tradelines are strictly for legitimate purposes only; they are not intended for any fraudulent activity or to conceal identity.
CPN, also known as a credit profile number, Consumer Protection Number, Consumer Privacy Number, or SCN
secondary credit number.
CPN is used as a credit profile number only; I like to differentiate because I don't want any confusion.
Credit Profile Numbers are 9-digit numbers just like your SSN that are assigned for you to use in place of your SSN when applying for credit.
To establish and issue a CPN number, we will need your Name, Date of Birth & an address you have never used before. The address is the most important factor because if we use your current home address, you run the risk of your CPN merging with the credit established on your SSN file. Email, telephone, & employment information is optional, but we can add it to your file during the tri-merge process.
When we deliver, you will have a credit file that is clean & registered with all 3 credit bureaus; since it has just been created, there will be NO credit score. It's basically a virgin file. In order to generate a credit score, you can go out & obtain a secured credit card or an unsecured credit card & a cell phone line. We can assist you with this process, or you can also order CPN Packages & Tradelines from the variety of services we offer at Restoring My Credit.
HOW TO GET A CPN (SCN) NUMBER
Here at Restoring My Credit, we're here to help you reach your goal of being debt-free through credit repair or by obtaining a new credit profile with a CPN (Credit Profile Number). CPN or SCN (Secondary Credit Number) numbers are the exact same thing. It is advised not to use a CPN as a permanent solution since there are things that you cannot use it for (like filing taxes), but it is a great way to continue on with life while having your credit repaired. All CPN/SCN numbers are tri-merged, validated, & skip-traced before being delivered or issued. We DO NOT sell or issue recycled numbers belonging to the DEAD OR BABIES.
The main benefit is that it can help you establish a new credit profile.If you have a poor credit history or no credit at all, a CPN allows you to start fresh & build good credit from scratch.
Since a CPN is not linked to your SSN, any credit checks by lenders will not show your real credit history. This means you can qualify for credit cards & loans that you may have been declined for in the past. Starting with a clean slate allows you to build good payment habits & work your way up to better terms & rates over time.
Using a CPN strategically & responsibly can be a helpful way to establish or rebuild your credit. Make sure you understand the rules to avoid penalties or legal trouble. When used correctly, a CPN offers opportunities to improve your financial well-being. A CPN also provides an extra layer of privacy & security for your personal information. Your real SSN remains confidential, protecting you from identity theft. Only you have access to your CPN and control how it's used.
***THE CPN SERVICES OFFERED HERE ARE STRICTLY FOR LEGITIMATE CREDIT BUILDING PURPOSES ONLY!! THEY ARE NOT INTENDED FOR ANY FRAUDULENT ACTIVITY OR TO CONCEAL IDENTITY***
Public records play an important role in establishing the credibility of your credit profile number (CPN). They can make your CPN profile stronger & more reliable. By adding your CPN to public records, you are essentially creating a track record that can be used by financial institutions for verification purposes and also online marketplaces.
You can truly benefit from having Tradelines added to your credit report. You may also be wondering how long Tradelines stays on your credit report. That depends on your Account Status. The account status determines how long a tradeline stays on your credit report.
*Active Account: Indefinitely
*Account closed in bad standing: Up to 7 years
for most derogatory marks 10 years for
chapter 7 bankruptcy
* Account closed in good standing.
Up to 10 years
Purchase at least 5 days before the reporting date; American Express requires 10 days. If the date has passed, the tradeline's first reporting date will be the next month.
*** The prices vary on tradelines due to several different factors, including PAYMENT HISTORY, AGE, CREDIT LIMIT, BALANCE & BANK. Make sure you take into account the factors listed above when determining what tradeline(s) best accommodate your credit needs. If you still have questions, feel free to ask.
If you purchase Authorized User Tradelines, you get added to the person's credit card as an authorized user; it doesn't show up on your credit report when you were added.
Although the entire history of the account is reflected in your credit report, with some exceptions depending on the bank.
So if an authorized user is added to someone's credit card that has been open for 20 years, it'll appear as you being an authorized user on the credit card for 20 years. So therefore, the credit scoring system just assumes that you have been on the credit card for 20 years, & if the tradeline has a perfect payment history, that's awesome to have on your credit report. There are several different utilization ratios that play a part in the secret credit score system; an authorized user tradeline can play an overall factor in the utilization ratio. When it comes down to what tradeline you should buy, you only want to add tradelines that are superior in age & credit limit to what's currently in your credit report, so if you currently have high utilization, then I suggest higher limit tradelines that'll help with your overall utilization ratios.
At Restoring My Credit, we Guarantee the following for Tradelines:
* If you buy any tradeline 7 days prior to the reporting date, we guarantee that it'll post to your credit report on the next ("reporting period'), which is listed for all tradelines.
* We gurantee that tradelines willl post to any 2 out of the 3 credit bureaus, if not all three.
* We guarantee that the tradelines have perfect payment history with no reports of late payments.
* We guarantee that they'll always have a utilization ratio of 10% or lower.
* Per law, we can not guarantee the following:
* We don't guarantee any positive results to your credit score from purchasing tradelines.
* We don't guarantee that you'll be able to secure new funding, loans, credit cards, lines of credit or achieve any financial goal based on purchasing tradelines.
* We don't guarantee any credit score points or make any guesses about what your credit score can be once you purchase a tradeline.
WE DON'T TALK CREDIT SCORES PERIOD!!!
* We don't guarantee any results beyond
getting a tradeline to post as stated above.
We offer basic check stubs, advanced check stubs, verification of employment letters, etc. When placing your order, please be specific about the check stub & the information you want on it, etc. (SNAPPT APPROVED)
We offer a variety of utility bills, cable, internet, water, gas & electric, and cell phone. When placing your order, be sure to be specific about the bill you want & when you want it dated & balance.
We offer a variety of different bank statements, including Traditional Banks (Wells Fargo, US Bank, Chase, etc.), Chime, Cash App, PayPal, etc. When placing your order, be sure to include the name of the bank, balance, and personal info. If nothing is included, it may delay the order. Please use the order form for bank statements; you can also print it out & email it back if unable to fill it out online.
This is a digital service for Identity Verification purposes. NO PHYSICAL/HARD COPIES! (cpn accepted). You can purchase together or separately.
1). It is required that you send a copy or (screenshot) of your payment after your purchase to credit@restoringmycredit.com
2). An ("AU") tradeline can last 30 to 60 days; it all depends on the tradeline you choose (primary) tradelines between 7-10 years and the minimum 5 years.
3). Active collections & ongoing late payments can impact the effectiveness of the tradeline.
4). (AU) It can take up to 10-15 days for the tradeline to post to your account. Please allow 3-5 Business Days after the closing date (last date of reporting date).
5). NO CREDIT SCORE? You should buy Citi, Capital One, Bank of America, Elan, or Discover Bank. These banks will report for users that don't have a credit score.
6). (AU) If you don't have a credit score, avoid Barclays, Chase, & US Bank.
7). (FOR ALL TRADELINES) For the quickest results, make sure that all personal information matches what's on the credit report.
8). (AU) Purchase at least 7-10 days before the reporting date to make sure the tradeline posts on time & 10-15 days for American Express.
9). All (AU) tradelines have perfect credit history.
10). Prices vary on tradelines due to several different factors, including, (AGE, CREDIT LIMIT, BALANCE & BANK). PLEASE make sure you have read the information provided, & hopefully I've provided enough insight for you to make a decision that best fits your credit situation so you can obtain your financial goals.
11). If for any reason the tradeline(s) DO NOT POST, please provide proof of payment with the order number as validation for a reissuing of tradeline(s). NO REFUNDS.
IF THERE IS NO SECTION ON THE FORM YOU NEED FOR YOUR EMAIL ADDRESS, PLEASE INCLUDE YOUR EMAIL ADDRESS IN ADDITIONAL NOTES.
At Restoring My Credit, we offer a variety of different services. We try to accommodate all credit needs by offering a range of other services, including Tradelines, and CPNs (credit profile numbers), Public Records, bank statements, Digital ID/ Digital SSN, proof of income & other services if you don't see it, feel free to ask. We want every customer to leave here satisfied with a strong credit profile and a better credit score with a goal to increase your creditworthiness.
We're excited to hear from you! Come take advantage of the many services we have to offer for repairing credit score .
ALL OUR SERVICES REQUIRE PAYMENT UPFRONT!!
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***THE SERVICES PROVIDED AT RESTORING MY CREDIT ARE STRICTLY FOR LEGITIMATE CREDIT BUILDING PURPOSES ONLY. THEY ARE NOT INTENDED FOR ANY FRAUDULENT ACTIVITY OR TO CONCEAL IDENTITY***
*MAKE SURE TO TAKE ADVANTAGE OF OUR MONTHLY PROMOTION OF 20%OFF OUR TRADELINES. AND IF YOU ALREADY MADE A PURCHASE, THANK YOU & STOP BY AGAIN.
*MAKE SURE ALL FORMS ARE PROPERLY FILLED OUT TO AVOID ORDER DELAYS.
*MAKE SURE ALL PAYMENTS ARE MADE PRIOR TO ORDERING.
*MAKE SURE TO REMOVE ALL SECURITY FREEZES TO AVOID TRADELINE NOT POSTING.
* IF THERE IS NO SECTION ON THE FORM YOU NEED FOR YOUR EMAIL ADDRESS, PLEASE INCLUDE YOUR EMAIL ADDRESS IN ADDITIONAL NOTES.
*ANY QUESTIONS OR CONCERNS EMAIL AT CREDIT@RESTORINGMYCREDIT.COM
We know that untangling your credit can be both stressful and confusing. Let us get you started on a path to financial confidence.
Feel free to shop and make sure all information matches the credit report for tradeline posting. Also, when ordering a CPN/SCN number, make sure all the information mentioned above in the CPN section is provided for customized orders. All other services: enter all required information for that service/product.
777 North Jefferson Street, Ste 408 #704 Milwaukee, Wisconsin 53202, United States
www.restoringmycredit.com (262) 300-5752 credit@restoringmycredit.com
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