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The smartest, fastest way to your credit.
WELCOME TO THE MOST EFFECTIVE CREDIT REPAIR SERVICE AVAILABLE!
We want to thank you for choosing Credit Medics for your needs in credit restoration. Credit Medics uses aggressive strategies and conventional dispute methods to ensure maximum results in restoring your credit. We look forward to improving your credit rating as quickly as possible. Improving your credit score is as easy as these four steps.
Credit Medics uses aggressive strategies and conventional dispute methods to ensure maximum results in restoring your credit. Our process is based on knowledge of consumer laws and experience with the credit bureaus. We take advantage of your rights as established by the Fair Credit Reporting Act (FCRA). We want you know that you have the right to question any information on your credit reports that your feel may be questionable or inaccurate. If a questionable item cannot be proved then it must be removed. Credit Medics works in a 4 Step process that is extremely geared at providing world class customer service and results.”Credit repair services” means all actions taken by Credit Medics, on behalf of Client, related to the removal of any errors, misrepresentations, outdated and/or unverifiable information from Client’s Credit Report(s), and/or any Credit Medics’s attempt to remove the same, as permitted under Federal Law (15 U.S.C.S 1681 et seq.).
Lower Monthly Payments
The higher your credit score, the lower your interest rates can be meaning that your payments can be lower each month. If you have a good great score, your chances of qualifying for the best interest rates are much higher. This will save you money on interest fees.
Better Chances For Loan And Credit Card Approvals
Apply for credit with more confidence. A great score will help you present the best possible version of credit. However having an excellent credit score doesn’t guarantee approval, because lenders still consider other factors like your income and debt.
More Negotiating Power
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score.
We legally add positive history to your credit report with authorized user tradelines. We also provide:
Clients are added as an authorized user to a tradeline. Allowing them to "piggyback" off of a card holders account in good standing
All of our packages are custom built using our proprietary “Age Progressional” method.
We have created the FASTEST CREDIT REPAIR program on the planet... the "CREDIT SWEEP. "
After consulting with attorneys, Credit Repair professionals, collection agencies, even current and former credit bureau EMPLOYEES, our credit sweep program has taken the industry by storm...
Do you have PESKY CREDIT INQUIRIES?
If you have too many, you will get DENIED more frequently which will hold you back from the things you want to get in your life
HOW TRADELINES WORK
The Definition Of A Tradeline
There’s a term in the credit world called “tradelines.”
Tradelines are an account listed on your credit report. For example, a credit card, car note, student loans, or a mortgage are all consider tradelines.
Benefit Of Credit Piggybacking
Broad regulations and legal loopholes allow for you to benefit from being an authorized user on another person’s tradeline (also known as “credit piggybacking”).
The issuing bank reports the positive credit history including the age of the account, the limit of the tradeline and the positive payment history to the select credit bureaus of their determination.
In other words, once you are added as an authorized user to an account, the history of that account appears on your credit report and will be treated as if it was your credit history.
FICO® Credit Score Factors
The payment history, age, and limit have a direct impact on the FICO credit score model which impacts your utilization ratio, average credit age, and payment history.
Boost Your Credit Score With Tradelines
Ideally, you should have at least 3 open positive tradelines on your credit report. Meaning the account should be OPEN, the payment history is perfect, and the utilization is under 25%.
We do this by adding you as an authorized user to a seasoned tradeline, allowing you to “piggyback” off of the account in good standing.
Here's what some clients think of our work...
Most Asked Questions
A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report.
Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline. The type of tradelines that we provide is Seasoned Authorized User tradelines, with perfect payment history, low utilization (under 30% unless otherwise noted) and perfect payment history.
We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user.
It’s a truly unique and powerful custom service called the “Age Progressional Tradeline Package.” It’s a hand selected pack of tradelines prescribed for you.
The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This helps for an easier posting to your credit report.
The reader’s digest version is yes, the act of being added as an authorized user to someone’s credit card is legal and is protected by the provisions in the Equal Credit Opportunity Act of 1974 – Regulation B. Although it is legal, it’s usually considered a disliked practice by society and other vendors.