How to add tradelines to cpn for free

  • How to create a cpn number
  • How to Add Tradelines to Your Credit Report
  • How to Purchase Tradelines and What to Expect
  • How Much Does It Cost To Buy Tradelines?
  • How to create a cpn number

    Rebuilding your credit can take time and patience. A CPN number is only useful in very particular circumstances Dear Kim, Unfortunately, a few years ago I suffered a significant loss of income. As a result, I lost my home to foreclosure and I had to file bankruptcy. I am finally in a financial situation in which I can begin rebuilding my credit. A friend of mine suggested obtaining a CPN number, because my past credit issues will not be visible.

    What is a CPN number and are they legal? Thank you, What is a CPN number? It can be used for obtaining credit, and is used in lieu of a social security number in very particular situations. The CPN number keeps certain personal information private, so it is commonly used by celebrities, government officials and high- level executives.

    An individual can be issued only one CPN number over a lifetime and the process is typically handled with the assistance of a legal professional. The CPN is not a substitution for a social security number. It creates a profile upon which to build credit, however, it is still a part of your underlying credit profile and will in no way eliminate any previous credit history. All debts you incur, past and future, remain your responsibility. The use of a CPN number with the sole purpose of hiding your credit profile could be construed as fraud, and therefore could be considered illegal.

    A number of credit repair agencies have sprung up over the last few years offering a CPN number for a fee. The CPN numbers they provide are often not legitimate. The numbers are typically random 9-digit numbers or social security numbers of children or deceased individuals. Using a stolen social security number is a crime. You cannot buy a legal CPN on the internet to fix your credit rating. This is a scam!

    Do not trust any websites or companies that claim they can give you a CPN for a credit reset. If you really need a CPN, it will be free.

    I would recommend speaking with one of our certified credit counselors at to give you the guidance that you need to begin this journey. Have faith and with perseverance, you will improve your credit score! Kim provides financial education workshops and seminars to communities. All identifying information will be kept anonymous.

    Please send your questions via email to DearKim navicoresolutions.


    There are a few factors that should be taken into consideration when deciding whether someone is or is not an ideal candidate for this program. The most critical factor is your credit history over the past 2 years. This will usually allow you a higher credit score increase. If you have experienced a few problems over the past few years, you might not see an increase in your score. It is a gamble and you might see less of an increase than you were looking for. Consult with the credit tradeline experts who will advice you regarding your situation and give you the tools you need to determine your level of success vs.

    The standard time for processing is between 6 to 8 weeks after receiving your agreement. Once the tradeline has been reported, you will immediately see your increase. If you have a certain deadline and want to ensure your line is reported faster, there could be sometimes an expedited process for a certain percentage upcharge, depending on the provider. This will guarantee the tradeline is placed on your credit within 30 days most of the time.

    The average time a tradeline will remain on your report is between 3 to 6 months. Keep in mind, authorized user tradelines are only a temporary solution.

    It is highly recommended that you apply for whatever your credit goals are, right away. It is in your best interest to use your credit as soon as possible once the tradeline is posted. When you get a loan at the time your credit score goes up due to the authorized user credit card, the loan comes with specific terms and conditions. Therefore, the authorized user credit card falling off your credit report afterwards will not affect the interest rate on your loan.

    Above all, always make a point to assess the specific terms and conditions for whatever loan you take, since different types of loans have varying small print. Our tradeline expert will review your credit report during the free consultation. Your report will be evaluated and once there is an understanding of your overall goals, we will decide the best avenue of action for you needs. We have helped many people receive a modest increase and have also raised scores over points. Every situation is unique and unto itself.

    Although there are many aspects involved, three key factors that influence the extent of credit score increase include: More credit cards added to your credit report produce a bigger boost. Fewer credit cards showing open in your current credit report will lead to a bigger boost.

    More valuable credit cards with higher limits and longer histories added to your credit report produce a bigger boost. How Much Does a Tradeline Cost? This all depends on the credit limit and the age of the credit line. We will answer all your questions and concerns during your free consultation.

    You should ask yourself, how much do I need to raise my score to meet my goals? Is Using Tradeline Legal? Credit sharing has been going on for over 40 years with the enactment of The Equal Credit Opportunity Act of This allows people to attach accounts to someone else to raise credit scores. Approximately 10 years ago, credit card companies started offering their customers an Authorized User option.

    It was designed for those with good credit to help their family and friends to get access to credit, establish credit, and improve their credit history. Considering how valuable it is, hardly anyone would give it out free of charge. Genuine tradeline companies charge an upfront fee since they carefully vet the seasoned tradelines to ensure they offer as much value to your credit report as possible. This also involves an evaluation of your credit report to see how well to match your credit history with the best seasoned tradeline.

    Does It Work on Business Credit? Business accounts are different from personal accounts. These are different from the personal credit reporting agencies Equifax, TransUnion and Experian.

    Hence, the personal credit card in this case only serves to boost your personal credit profile, not your business credit profile. Fortunately, improving your personal credit can increase your chances of getting business credit. You can buy tradelines from a reputable tradeline credit repair company. A reputable company always evaluates your credit report to match it up with the best possible seasoned tradeline that will effectively boost your credit score.

    This requires an in-depth understanding of multiple factors that influence credit scores so that the right seasoned tradeline will provide the critical aspects that will enhance the deficiencies in your credit profile. Reputable Tradeline Sellers.

    How to Add Tradelines to Your Credit Report

    A tradeline helps you improve your credit score so it will reap all the benefits a good credit score enables you to achieve.

    Without a good credit score, you will have limited access and services of your credit card, loan plan, and a higher rate of mortgages. In short, you will have to end up paying more money than usual.

    But good tradelines on your account will help you achieve a credit score of or higher in no time.

    How to Purchase Tradelines and What to Expect

    When you buy an authorized tradeline from someone like Personal Tradelinesyou are added as an AU to one of their credit card accounts, and it takes only days to get your credit up to a good score. I recommend that you read all about tradelines and their types before actually committing to buying one. You can also get help and information from tradelines vendors. All lines are guaranteed to report as an open account for a cycle of 30 to 45 days from the card statement date.

    If you or your client need to remain on longer, please request a quote for an additional cycle. Every tradeline user that is added gets submitted and reported to all three major credit bureaus. CPN Tradelines LLC will guarantee the posting of all tradelines on at least 2 of the 3 credit bureaus, If your tradeline only posts to one bureau we will attempt to pull it on another bureau or add it to another card with similar or greater value.

    How Much Does It Cost To Buy Tradelines?

    All tradelines post 7 days after the card statement date, our Tradeline Posting Desk will assist you in making sure that your lines report on time as long as we have a valid and active credit monitoring credentials on file. Throughout the month cards may get shut down or not post, we ask for your patience and understanding going into the program as the process could or may have a delay of a few days or even a couple of weeks.

    Tradeline Posting: Please send credit monitoring credentials to the following email no later than 5 days after the tradeline statement closing date.

    How to add tradelines to cpn for free