NextDay Credit - Seasoned Tradelines

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NEXTDAY

CREDIT REPAIR

SEASONED TRADELINES

Piggybacking Tradelines

Please select from the list below, while remembering the three rules to boosting your credit score through Credit Piggybacking:

The more credit cards you have us add to your credit report, the bigger the boost will be.
The fewer the number of credit cards currently showing in your credit report as open, the bigger the boost will be.
The higher the limit and older the credit card(s) you choose from the list below, the bigger the boost will be.

In order to add a tradeline to your cart, hover your mouse over the section of the page that lists the available month and add it to your cart. You will not be purchasing the tradeline at this time. Once you have selected all of the tradelines that you wish to purchase, simply click on your cart, fill out the information form, and someone from our sales team will give you a call to finalize your purchase!

Check Out A Few Of Our Tradelines!

Type

Limit/Perfect History

First Estimated Monthly Reporting Date

One-Time Flat Fee

Bank of America (4 Month Lease)

$22,000-25,999 More than 40 years

Between the 21st and 30th

$4,350

Bank of America (4 Month Lease)

$15,000-17,999 23-26 years

Between the 11th and 20th

$3,100

CitiBank

$1,500-1,999 More than 40 years

Between the 21st and 30th

$2,800

CitiBank

$25,000-30,000 16-17 years

Between the 1st and 30th

$2,575

USAA

$22,000-25,999 15-16 years

Between the 21st and 30th

$2,425

CapOne

$30,000-34,999 10-11 years

Between the 21st and 30th

$1,950

CitiBank

$26,000-29,999 14-15 years

Between the 1st and 30th

$1,950

CitiBank

$7,000-8,999 16-19 years

Between the 21st and 30th

$1,925

Barclay

$22,000-26,999 12-13 years

Between the 11th and 20th

$1,900

CitiBank

$18,000-21,999 14-15 years

Between the 11th and 20th

$1,825

Barclay

$20,000-22,999 10-11 years

Between the 11th and 20th

$1,800

Barclay

$20,000-22,999 10-11 years

Between the 1st and 30th

$1,800

CitiBank

$32,000-34,999 Less than 6 months

Between the 11th and 20th

$1,800

CitiBank

$15,000-17,999 14-15 years

Between the 21st and 30th

$1,775

USAA

$25,000-28,999 11-12 years

Between the 1st and 30th

$1,775

USAA

$25,000-28,999 8-9 years

Between the 11th and 20th

$1,700

CapOne

$22,000-24,999 8-9 years

Between the 11th and 20th

$1,675

CapOne

$12,000-14,999 11-12 years

Between the 1st and 30th

$1,675

Navy FCU (4 Month Term)

$14,000-15,999 6-7 years

ONE LEFT Between the 21st and 30th

$1,650

CapOne

$2,000-2,999 14-15 years

Between the 21st and 30th

$1,625

CapOne

$6,000-7,999 12-13 years

Between the 11th and 20th

$1,600

Click Here for Tradeline Order Form

A Few More Tradelines!

Type

Limit/Perfect History

First Estimated Monthly Reporting Date

One-Time Flat Fee

Discover

$9000-11999 12-13 years

Between the 11th and 20th

$1500

CitiBank

$15000-17999 10-11 years

Between the 21st and 30th

$31475

USSA

$22000-25999 6-7 years

Between the 21st and 30th

$1425

USSA

$30000-34999 5-6 years

Between the 1st and 10th

$1425

CapOne

$15000-17999 3-4 years

Between the 1st and 10th

$1075

Barclay

$18000-21999 3-4 years

Between the 21st and 30th

$1075

CapOne

$3000-3999 6-7 years

ONE LEFT Between the 11th and 20th

$1075

Barclay

$5000-6999 5-6 years

Between the 11th and 20th

$1050

Barclay

$18000-21999 2-3 years

Between the 1st and 10th

$1025

CapOne

$7000-8999 4-5 years

Between the 1st and 10th

$1000

CitiBank

$9000-11999 4-5 years

Between the 11th and 20th

$875

CitiBank

$15000-17999 18-24 months

Between the 1st and 10th

$875

CapOne

$9000-11999 2-3 years

Between the 11th and 20th

$875

CitiBank

$9000-11999 2-3 years

Between the 1st and 10th

$875

Barclay

$9000-11999 2-3 years

Between the 11th and 20th

$875

Barclay

$12000-14999 18-24 months

Between the 21st and 30th

$875

Barclay

$5000-6999 2-3 years

Between the 11th and 20th

$825

USSA

$15000-17999 12-18 months

Between the 11th and 20th

$725

Barclay

$12000-14999 18-24 months

Between the 21st and 30th

$725

EF Bank

$500-999 3-4 years

Between the 21st and 30th

$725

Click Here for Tradeline Order Form

Contact Us Today!

F.A.Q.

Will FICO® 08 affect my ability to receive a credit score boost?

No. FICO® 08 was really just a propaganda scare tactic used by the Fair Isaac Corp to make all of us confused and uncertain. The piggybacking boosting strategy still works just like it always has; nothing has changed, nor will it ever. If by some stretch of the imagination they did in fact violate the Equal Credit Opportunity Act, and made illegal adjustments to their model, it would take years, if ever, for the new version to effectively permeate the financial industry. For example, simply because Microsoft released Windows 11 doesn’t mean that everyone in the country is going to the store tomorrow to buy the software, install it on their computer system, get it to work effectively, and then start using it. This is the same exact process that would have to be taken by every bank, credit union, credit card company, mortgage broker, car dealership, etc. in the entire country. Now knowing how it all works, you can imagine how much time you have to enjoy the benefits of our “credit renting” services…just in case.

In addition, as you can see in Regulation B of the Equal Credit Opportunity Act, and in our 2008 Press Release, it is unlawful for any lending institution to ignore credit history present in a credit report, regardless of authorized user status, or otherwise. If a bank were to reject your loan application or artificially reduce your credit score as a result of the presence of an authorized user tradeline, they would be in violation of ECOA and liable to pay out damages to you through a civil claim.

That’s the legal reason why adding an AU tradeline to your credit report will help and why the Fair Isaac Corporation (FICO®) can’t stop us. The logical reason is that over 40 million people in the United States are listed as Authorized Users on someone else’s credit card. Simply because you have one – or several – on your credit report will not raise any “red flags.” Even if the bank underwriter chose to violate the law and ignore your AU tradelines, it is literally impossible for them to physically change your credit score, because the FICO® score is a highly secretive formula that underwriters have no access to. Being that most every loan approval is based on credit scores, you would still be in a good position to acquire an approval, as long as the rest of your application meets the underwriting requirements (income, job history, etc).

How big of a boost can I expect?

The boost is different for everyone. It all depends on what is currently in your credit report and what you choose to purchase from us. The easiest way to answer this question is to say that there are three “Truths” to boosting your credit score through this method.

The more credit cards we add to your credit report, the bigger the boost will be.
The fewer the number of credit cards that you currently have in your credit report showing as open, the bigger the boost will be.
The higher the limit, and the longer the history for the card(s) you choose to add to your credit report, the bigger the boost will be.

Primary or Authorized User Tradelines?

Years ago, several online companies advertised the ability to add “Seasoned Primary Tradelines” to your credit report. These tradelines could look better on your credit report to a mortgage underwriter than a “Seasoned Authorized User Tradeline”. Since the account would appear in a credit report as being individually managed by the borrower (Primary), and because it showed several years of credit history (Seasoned), it had the potential to boost the credit score AND trick underwriters into believing it belonged to the applicant. As you can imagine, the “Seasoned Primary Tradeline” practice appeared to be fraudulent to many in the law enforcement community. Several businesses advertising that service were quickly sought out and shut down.

Bear in mind that, as opposed to a “Seasoned Primary Tradeline”, a “New Primary Tradeline” (a new credit card account, for example) will most likely cause a drop in your credit score. Your score will typically recover, once the New Primary Tradeline has aged for a couple years.

For these reasons, NextDayCreditRepair.com does not assist clients with adding “Seasoned Primary Tradelines” to their credit report. We also do not assist our clients in applying for “New PrimaryTradelines.”

To be clear, NextDayCreditRepair.com specializes in the addition of “Seasoned Authorized User Tradelines,” which continue to deliver an astonishing boost to your FICO® Score, just as they always have. Guaranteed!

Do you repair or correct negative or incorrect information?

Yes, we do.

How long does it take to appear on my credit report?

We guarantee that our credit card(s) will appear on at least one of your three credit reports in less than 60 days from the first expected monthly reporting date, or we will give you all your money back. Typically they will appear in less than 30 days; most of the time it takes just a week or two.

How long does the credit card remain on my credit report?

Our Primary Cardholders are required by contract to keep you listed as an Authorized User on their credit card for no less than 60 days. As a result, we guarantee the history of the card you have chosen will remain on your credit report for at least 60 days. In the unexpected event that the card(s) falls off your credit sooner than 60 days, we will either issue a pro-rated refund of your money, or re-add you to the card for an additional reporting cycle, at no additional cost to you. If the card does fall off your credit report after the 60-day lease term expires, and you are still in need of a boosted credit score, we can always renew your lease under the same terms.

Now that my credit score is boosted, what do I do?

Go out and apply for your loan, apply for the job you wanted, or for premium car or home owners’ insurance! Start your own business! But whatever you do, remember one thing, this is not a ticket for a shopping spree. Be responsible with your new credit score. Be smart. Plan ahead and stick to your plan. It is very easy to succumb to the temptations of the credit world, but it is those of us who can manage our emotions with self-control and logical reasoning who will become masters of our financial future.

Remember, a good credit customer is one who can pay off their ENTIRE balance in full every month. Practice this and it will repay you for the rest of your life.

What happens after I am removed from the card?

Once your status as an Authorized User with the credit card company has been removed, the card companies tend to leave the account history on your credit report anywhere from 6 months to several years; more than enough time for you to go out and get approved for the loan you need. This long lasting benefit will also grant you the time necessary to continue to build your credit score the traditional way, only with lower interest rates. However, do not procrastinate with your plan as it is still possible for the card to fall off immediately after the 60 days expires. At this point, it is completely outside of our control.

Will the bank change my interest rates if and when the Authorized User credit cards fall off my credit report?

Once you close on a loan, the bank is contractually bound to hold those loan terms and conditions as agreed in your contract. They cannot change the terms solely because your status as an Authorized User has been removed after closing. You will likely continue to qualify for the lower rates, as long as your loan closes before, and if, the tradelines fall off your credit report.

Do you work on business credit?

All of the cards we lease are personal credit cards, we do not and cannot help build your business credit profile. However, building your personal credit first can be a huge help in obtaining business credit.

Also, keep in mind that business accounts report to the business reporting agencies, Dunn & Bradstreet, Experian Business, and Equifax Business, and not to the personal credit reporting agencies (Experian, TransUnion, and Equifax), and therefore do not help your personal FICO® score.

How It Benefits

Through a method known as “credit piggybacking,” NextDay

Credit Repair adds you as an Authorized User (AU) to one or

more high limit, low balance, seasoned credit cards,

which drastically improves your credit score rapidly! While you do not

receive the physical card or ability to use the credit line, you will

receive the amazing benefit of having that particular credit card

“copied and pasted” on to your credit report. This extreme

increase in the limit to balance (utilization) ratio and overall

average age of the revolving accounts on your credit report

gives you the biggest possible FICO® score boost in 60 days or

less, guaranteed! To learn more about how your credit works,

and how piggybacking can boost your credit score, click the

button below.

How It's Legal

NextDay Credit Repair has commissioned extensive research

into the legality of “piggybacking”. Multiple law firms, the

Federal Reserve Bank, the Federal Trade Commission, and

various Attorneys General have all looked into the practice in

fine detail, and each have determined that the act of paying someone to add another person to their existing credit card account as an Authorized User is perfectly legal. While the

banks and credit reporting agencies may dislike the practice,

credit piggybacking is actually protected by Regulation B of the Equal Credit Opportunity Act. To learn more about these legal opinions, click the button below.