$300.00 tradelines? No, not at all…

$300.00 tradelines don’t exist (legitimately). Follow me for one paragraph on an economics rant; it will help you understand the rest of this post. A big problem we have in the United States (in terms of economics) is the belief in fantasy ideas of “free,” “cheap,” or “deals.” Sure, there’s a possibility of products or services reducing in price or, in the case of unsold inventory of tradelines, a deal emerging. But, at the end of the day, prices are determined by undeniable market forces. So, before you get all excited in “$300.00 tradelines,” understand the following.

$300.00 tradelines don’t exist, because:

It all comes down to incentive.

Salespeople: As nice as they are, salespeople have an incentive to earn a living, therefore, they have an incentive to do a good job for you. Since a tradeline company’s income is 100% dependent on the sale of tradelines, a salesperson’s income is 100% dependent on what you pay.

Phone systems: You can’t talk to a tradeline company without phones. Phones cost money. Money must be generaed by sales revenue. Therefore, you pay for the phones through the price of the tradeline you agreed to.

Email systems: A majority of work is done through email, these days. Emails might be free for consumers, but a “business” system (which you can identify by @companydomain.com) cost money. The use of paid email is more secure, so if the person selling tradelines is using hotmail or gmail, there’s a problem. Email expenses are like all others… they’re paid for by you when you buy tradelines.

Marketing: What incentive would a marketing professional have to do his job if he or she was not being compensated for his or her work? Since the money can’t come out of the thin air, it must – like everything else here – come from the income generated by the sale of tradelines.

Training: Tradelines are complicated and require knowledge in order to successfully transact them. This knowledge must be harnessed and passed on through training. This requires two or more people to engage in labor. This must be paid, otherwise the people wouldn’t do it.

Cardholders: The primary account holders risk a lot. They could get their cards closed down. They could accidentily accept a credit profile number, or other fraudulent client. This risk must be rewarded with income… otherwise… they wouldn’t do it.

If you thought the above was whiny and a mere justification for costs, try this: Put yourself in the shoes of anything listed above. Would  you work for free? Would you risk your credit cards for nothing? Would you establish a business and pay people without some of that money going into your pocket?

You should note that this is not a comprehensive list of expenses. More importantly, you should note that the sale of tradelines for $300.00 could in no way subsidies the expenses listed. Accordingly, if someone is selling tradelines for $300.00, they are not doing something above. If they are not doing that which is outlined above, they are likely unprepared to efficiently handle your credit.

 

Can I just cut out all the people above and get $300.00 tradelines?

Sure you can. However, that’s not the question. The question is “do you really want to do that?” A simple mind will say “Look, I don’t need all these hands in the cookie jar…that’s just greedy.” It requires a much more subtle (and accurate) understanding to realize without all those people involved, you’re likely not getting what you want (aside from price). What good is a deal if the tradeline doesn’t report? What good is the best deal in the world, if the person selling it to you walks away with your money?

You could get an ipad from china for $40.00. But, should you?

Conclusion

To stay in business, a company (and all the people above) must exercise their abilities to benefit you. A scammer on craigslist has no such incentive. It takes 30 seconds to put up a new craigslist add, but years to create a business with trained professionals.  The scammer can excite you with a “$300.00 tradeline,” but understanding the invisible market forces is less appealing. If you are enticed by price alone, you are vulnerable to scams. If you understand the proposition of this blog post, you are in a much better position to buy tradelines.

Comments
    • It is an individual who is added to a revolving line of credit as an “authorized user” rather than a primary account holder. The result is that the authorized user obtains the history associated with the primary account, without having to have established that credit. This has a positive impact on the authorize user’s credit score. Thanks!

  • i am about to purchase a trade line for 8500 for 600 bucks. from a company. and also a year of credit repair for 1000.00 where they remove some negative things off my report. does this sound legit?

      • Brandy,

        Thanks for your comment. It seems like there was potentially good, useful information in your experience, but it didn’t quite make it to the comment. Could you elaborate on how you boosted your own score so effectively? Clearly, others would like to know. You could have a big, positive impact on their lives. As it stands, you’ve left them all in suspense and they’re probably upset because they’ll never know of your success details.

        Also, it’s a lot easier to go from 400 to 700 than it is from 700 to 729. Once you start getting into the 700s, FICO (or other score models) consider many other factors, such as your age (which we have no control over). If you added that same card when you were 600, it would have probably taken you to 700. Add another when you’re at 700, 729 sounds right. Add another now, you’ll probably go to 731. And so on.

        So, it sounds like you had great success on the credit repair side, which I encourage you to share. Also, sounds like you had success with tradelines, too. That’s great. I didn’t quite catch the scam part, but if you’d like to elaborate on that, other’s would be thankful for your insights.

        Also, your boyfriend could make money selling his tradeline, because others aren’t as lucky as you to have someone willing to do it for free. You could take a great situation and make it even better!

  • We have an online database of authorized user tradelines where you can easily browse for information like the name of creditors, credit limits, and price. So you if you’re in the market to buy authorized user tradelines, you should buy seasoned authorized tradelines at top tradelines.

  • Three Ways to Use Unsecured Credit Cards to Fund Your Next Venture
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