🚫 Don’t Add Tradelines If You Have Negative Items on Your Credit Report 🚫 Adding tradelines isn’t a magic fix. They are most beneficial when your credit utilization is high or your credit history is relatively short. 💡 Most people add tradelines for 3 main reasons: 1️⃣ Get approved for higher-limit credit cards 2️⃣ Lower overall credit card utilization 3️⃣ Lengthen credit history ✅ This can help you get approved for a mortgage or car loan—but only under the right circumstances. Here’s the real deal: Scenario 1: Buying a Home. If you’re trying to buy a home but only have 1 year of credit history, a 5-year tradeline can help. Why? To get the best mortgage rates, lenders typically want at least 4 years of history. Adding a 5-year tradeline averages your credit age, so your 1-year history + 5-year tradeline = 4 years. Scenario 2: Getting a $60,000 Auto LoanIf you’ve never had a credit card or loan of at least $20,000, odds are you’ll be denied for a $60,000 auto loan. Auto loans work on a tier system. Same thing for those $20,000+ credit cards. Here’s a smart approach: - Start with a $20,000 auto loan - Pay it off - Rinse & repeat to reach higher loan amounts This method avoids having to put 20–40% down. So ask yourself: would you rather spend $12,000 down or $700 for a tradeline? Be smart. 💡 Knowledge is power. Now you know how tradelines really work—use that power wisely. "Comment COMMENT if I helped you understand tradelines a little better" 😎

Not a Member Yet? Here’s How to Get In (No Access Code Needed): Call Navy Federal directly — this must be done over the phone. When you speak to a representative, let them know: “My grandfather served in the Navy for years, but he has since passed. I don’t have all his service details, but I’d like to honor his legacy by joining Navy Federal.” This approach has helped hundreds of people gain access to Navy Federal Credit Union. Ready? Let’s make it happen. Everyone should have a Navy Federal account in their financial toolbox. Here’s how to maximize your access: Already a Member? - If you’ve had a Navy Federal account for 6+ months and your credit score is 650+, it’s time to apply for the Green Personal Credit Card — don’t wait. - If you already have one Navy Federal credit card and it’s been 93 days, you’re now eligible to apply for your second card. Move on it! Once you’re approved, drop your success in the comments — LET’S RUN IT UP! ✅

You can use a service called "SELF" for a secure loan Apply here: https://www.self.inc/refer/KTN5DXPG (free money) Great way to add an account to your credit report 🚨 Primary account and NOT a tradelines (banks like primaries better) Tradelines help with age BTW, in case you didn't know, don't buy tradelines unless you have to 🚨 Do the minimum offer $25 a month for 24 months (doesn't make a difference if you choose more) 🚨 Adds 10-50 points to your FICO score 🚨Takes 1-2 weeks to be placed on your credit report 🚨 Self also has a service called "SELF rent" which reports rent payments for FREE as an extra 🚨 It's a Savings account so after 24 months they give you the money back and you keep the psotive credit history too Apply here: https://www.self.inc/refer/KTN5DXPG (free money)

1. Credit Strong – Reports to all 3 credit bureaus. 2. Kovo – Reports to all 3 credit bureaus 3. Meet Ava – Reports to all 3 credit bureaus 4. Loqbox – Reports to all 3 credit bureaus 5. Kikoff – Reports to Equifax & Experian 💳 How It Works: Each of these accounts will report a $2,500 line of credit to your credit profile for about $20 per month. If you get all five, that’s $100/month for a total of $10,000 in primary trade lines reporting every month — a major boost to your credit score! 👍🏿😎🚀 Bonus Strategy: The CarMax Hack 🚨 Buy a car from CarMax, keep it for up to 10 days, then return it for a full refund. Why? Once it’s paid off, it will appear on your credit report as a paid auto loan, which can help improve your credit mix. CarMax Return Policy: - You have up to 10 days (or 1,500 miles) to decide if the car is right for you. - Return it in the same condition you bought it, and CarMax will process your full refund. 💥 Result: You get a reported, paid-off auto loan without long-term debt!

Here is a new letter I've been having a lot of success with for late payments only. See attached for the full letter. I've been using this recently for a test run and am seeing a high success rate.