Frequently Asked Questions... (And Answers)

We are honest in our approach to help you restore your credit. We will evaluate your credit profile and develop a plan that will be geared to get you the best possible results.

Why Credit Funding Solutions?

1. No Fees Upfront

2. We will get you results or you pay nothing

3. We understand that you want to see results.

4. Your referral is important to us!

5. Transparent and Professional Service!

What Does Credit Funding Solutions Do?

We streamline the process of getting funded from credit repair and enhancement to the many types of funding that we offer. Nothing is left to chance. Everything is taken to task.

We’ve run across every type of company out there. We’ve seen everything from “that guy who wants to do this new and cool tradeline thing” to “I have 20 years of experience in 2000 different areas”. Here at Credit Funding Solutions, all we do is funding and how to get it, everyday! We don’t spread our selves thin with other tasks or adventures. We have over 14 years of experience on staff… that’s 14 years of experience, specific to this streamlined process of funding.

Are My Funds Protected?

Our ethic, state and federal law are on our site. When you give your money to other companies, 99% of the time, there is no guarantee that you will ever see your money again. That’s not the case with us. When you order from our Partner Network, you money is placed in a trust account. In addition, your money is protected by a $10,000.00 surety bond.

Is My Information Secure?

We take security seriously. We have invested in Credit Funding Solutions for your benefit. We have made secure member areas in which you can upload credit reports, place orders, view the status of your order in real time, among other things. You member area is secured with Secured Socket Layered encryption on a partitioned sub-domain… that’s tech talk for… “it’s secure”. Once you sign up as a client, you are given credentials for your individualized member area.

How Can Credit Repair Help Me?

We will pair you with one of our Network Partners to clean up any inquiries, collections or incorrect information on your report. Once this is cleared up some of our partners offer unlimited rapid rescore-ing.

You can start the process by getting your Tri-Merged Credit Report for $1 from CreditCheckTotal.com

Personal Funding Program

PERSONAL FUNDING PROGRAM:
NO Upfront Costs.  Success Fee on the Back-End. If your Personal Credit meets the Credit Requirements below, then you can go on our Personal Funding Program.

This Program is designed to get you Approved for Unsecured Personal Credit Cards and is a FULL SERVICE Program in the sense that we complete and manage all Credit Card Applications for you – All you need to do is provide any supporting Documentation Lenders may ask for, such as Utility Bill, Phone Bill, Bank Statement, etc. in a timely manner so your Applications can be Approved as quickly as possible.

$25K to $100K in Total Unsecured Personal Credit Card Approvals is realistic to expect within 3 Weeks.

Need more than $100K? Purchase a Credit-Ready Aged Corp and go on our Corporate Funding Programs as well (below).

What Why How Of Shelf Corps?

What is a Aged (Shelf) Corporation?

A Shelf Corporation, Shelf Company, or Aged Corporation, is a company or corporation that has had no activity. It was put on the “shelf” to “age”. The company can then be sold to a person or group of persons who wish to start a company without going through all the procedures of creating a new one.

Why buy a Shelf Corporation?

Common reasons for buying a Shelf Corporation include:

1. Instantly obtain the necessary “Time in Business” and Credibility required to be approved for Corporate Credit and Financing.
2. Create a solid Corporate Credit Profile as an alternative to Personal Credit Repair.
3. Protect Assets fro Creditors and facilitate Estate Planning.
4. Instantly Qualify to Bid on Government Contracts.
5. Instantly obtain Credibility with prospective Clients, Partners, and Suppliers.
6. Expand your International Business into the United States instantly and without the typical red tape.

What are the major mistakes most Buyers make?

Most Shelf Corporation Buyers will make the following very expensive mistakes if they are not careful:

  • Pay a High-Price for a Shelf Corp that supposedly comes with Established Credit (But it really doesn’t)
  • Pay for a Shelf Corp that supposedly comes with a Personal Guarantor (Recipe for Fraud)
  • Pay for a Shelf Corp that supposedly comes with Tax Returns (Recipe for Fraud & Jail Time)
  • Pay for a Shelf Corp that has Bad Credit and/or Hidden Liabilities (Shelf Corp “Lemon”)
  • Pay for a Shelf Corp that is not owned by the Seller (Fake Seller – Like buying Land on the Moon)

If you already have a Business that is over 2 Years Old, or if you purchase a 2+ Year Old Credit-Ready Aged Corp from WholesaleShelfCorporations.com, then you can go on one of our 2 Corporate Funding Programs.

Corporate Cash Credit Program

Once you purchase an Aged Corporation, you can then go on our Funding Program for only $795 Flat Fee. The Funding Program is a Dedicated Coaching Program provided by our Sister Company CorporateCashCredit.com that will achieve an 80 Paydex Score and give you the Ins and Outs of all the Lenders and Creditors so you can get Approved for the Most Financing Possible, as Fast as Possible. We guarantee $60K in 6 Months without a Personal Guarantee or your Money Back.

Want Stated Income Unsecured Business Loans, Lines of Credit, and Credit Cards?
Then here is what you need in addition to the Funding Program:

REQUIREMENTS FOR STATED INCOME UNSECURED BANK FINANCING:

1.  3+ Years of Clean Credit History (Ideally 5+ Years):
No Derogatory Items or at least none in the recent past. If your Credit History is not at least 3 Years Old, we can add Seasoned Tradelines to your Credit Report so you meet this Requirement.

2.  3+ Open Revolving Credit Accounts:
If you don’t have at least 3 Open Revolving Accounts, then we can add Seasoned Tradelines to your Credit Report so you meet this Requirement.

3.  30% or Lower Revolving Debt Ratio:
If your Combined Unsecured Revolving Debt is more than 30% of your Combined Unsecured Revolving Credit Limit, then you need to either pay down the Unsecured Debt to under 30% or we can add Seasoned Tradelines to your Credit Report to dilute the Revolving Debt Ratio down to under 30%.

4.  700+ Credit Scores (Ideally, 720+):
If your Scores are under 700, then we can add Seasoned Tradelines to dramatically increase your Credit Scores and the overall Quality of your Personal Credit History in only 3 Weeks! It’s common to see Credit Scores jump up 50 to 150 Points in 3 Weeks – This is the Real Deal and we guarantee the Tradelines will post to your Credit Report.

5. No More Than 6 Inquiries per Credit Bureau in the last 60 Days:
If you have too many Inquiries, we can remove them from Equifax and Experian for you within 3 Business Days as long as they did not result in a  new Personal Credit Account being opened. It is virtually impossible to remove Inquiries from TransUnion, but then again, few Lenders use TransUnion, so the Strategy works quite well.

If you meet these Requirements, you can easily obtain $25K to $75K per Lender in Stated Income Business Loans and Lines of Credit within the first few weeks in the Program. You can also be approved for American Express Cards and other Unsecured Revolving Visa/Mastercard Accounts immediately after purchasing the Aged Corp.

$150K to $250K in Total Bank Financing is realistic to expect if you meet these Requirements
and you combine it with a Credit-Ready Aged Corp that is over 2 Years Old.

Don’t meet the Requirements? Don’t worry – We can solve all of your Credit Problems FAST! Contact Us Now!

What Are Tradelines?

Trade lines are a great tool to use, but they promote a lot of questions.  According to experian.com a trade line is an entry by a credit grantor to a consumers credit history maintained by a credit reporting agency. A tradeline describes the consumers account status and activity. Tradeline information includes names of companies where the applicant has accounts, dates accounts were opened, credit limits, types of accounts, balances owed and payment histories.

What Are Authorized User Tradelines?

Authorized user tradelines are typically revolving lines of credit on which someone places another as an authrozed user account holder. The tradeline then appears on the users credit report.

How Long Do Authorized User Tradelines Take To Post?

I never understood how companies can claim to have lines report within a specific time… on the basis of fact, that makes no sense. The truth is, each tradelines reports once per month. So, if you order a tradeline on the 1st and it reports on the 20th, that tradeline is going to post in 20 days. The only time takes longer to post is in the scenario that you order a tradeline too close to the report date and you have to wait until the next reporting cycle (1 months plus a few days, give or take). So, if you order a tradeline, it should be on your report within 30 days, tops. If the tradelines does not post within 30 days, then the company either dropped the ball or there is something wrong with your credit report (security freezes, fraud alerts, etc.).

Do Authorized User Tradelines Work?

Yes, despite all the propaganda about FICO 08, credit bureaus, etc., authorized user tradelines still work and we do this every single day. We wrote here about whether or not tradelines still work, and here about the myths surrounding FICO 08. You can read about tradelines all day long and your head will spin with all the different opinions out there. The best way to determine if it works is to buy a tradeline and find out yourself. What if it does not and you lose money? We have a $10,000.00 surety bond and a trust account… if the tradelines do not post, you get your money back of file a claim against our bond… no other company in the Country offers this kind of guarantee.

What Are Some Of The Reasons Authorized User Tradelines Do Not Post?’

Authorized user tradelines are tricky, which, by the way, makes it is worth it to purchase them from an experienced company in this field, like those of our network. There are many reasons authorized user tradelines do not report to credit bureaus, which include the bank of the tradelines, the type of credit line at the bank, whether or not the primary user and authorized user share the same name or the same address, etc. There are many more reasons why they tradelines refuse to post on an authorized users credit report, and we have yet to encounter a scenario in which we were unable to get the tradeline to post correctly. Call us for more details.

Revenue Based Funding Options

My local bank turned me down. What can I do to get business funding?

Many of our preferred clients have been turned down by a bank or have found that the offering simply did not meet their needs. We have several custom business funding products that are easy to qualify for and can offer funding in a very short period time. We are able to approve many transactions that banks won’t fund.

My personal credit is not great and I have tax liens.

This is a very common concern. We have many products that focus on the financial performance of your business and NOT your personal credit score or tax history.

What information is needed from me?

Time in business and current cash flow of your business are the primary areas of focus. Once we have a basic understanding of your business and current needs, we will then suggest a product or request more detailed information from you.

What is the real tim-frame to be funded?

Products that involve repayment of the funding advance from your future receivables may fund within 24 hours assuming you have submitted a complete application and provided the necessary supporting documentation required. More traditional financing products such as startup funding, lines of credit and fixed term loans can take 5 to 10 days depending upon the complexity of your business. SBA loans typically take 90 days to fund.

Will I have to sign a personal guarantee?

Products that involve repayment of the funding advance from your future receivables most often don’t require a Personal Guaranty. Other financing products may require a personal guaranty and/or the pledge of collateral. Either way we’ll get you the best rate in the best timing possible.

How Much Can My Score Increase By Adding Tradelines?

How much your credit score will increase is impossible to answer without looking at your credit report. We can only give you a few examples.This is a tough question to answer on a general basis, because there are way too many factors to consider. However, we will first give you a range and an explanation why they range is so large. We’ve see situations where our clients have gone from the mid-500s, to over 800 with the addition of only 1 seasoned tradelines around $5,000.00 in limit and 8 years in age. On the other hands, we’ve seen clients only increase about 30 points with the addition of 3 very substantial trade lines (over $30,000.00 limits and over 10 years of age). This goes back to selecting the appropriate tradeline and the client allowing us to assist in the seasoned trade line selection. We’ve never see score decrease, but we have seen scores increase from a very little amount to a very large amount. It depends on what’s in your credit report, and the skill to select a seasoned tradeline to counter the deficiencies of your credit report.

Where Can I Get Seasoned Tradelines With No Upfront Fees?

This is a great question and is constantly searched on the internet with key words such as seasoned tradelines no up front fee, and most of the time the results are the same. Unfortunately, tradelines with no up front fee do no exist. The real question is, what company provides tradelines with up front fees and provides protection for my money as well?

To our knowledge, the two best in the business are in our partner network. They comply with federal and state law, not to mention maintaining a bond of $10,000.00. Our Business Tradeline partner operates with a pay after post business model, so the real question is, where is my money safe? We hope you answer that question stating Credit Funding Solutions.

How Long Does It Take For Scores To Increase Once You Add Seasoned Tradelines?

If you have selected an appropriate seasoned trade line and if the company who promised the services of adding the seasoned tradelines actually delivers, the score increase is instantaneous. That is to say, as soon as the seasoned tradeline hits your report, your score should increase right away. The real question is, “how long does it take to get the seasoned tradeline onto my credit report?” This can take anywhere from 15 to 45 days, and it shouldn’t take longer than that. If the company, adding the lines, takes longer than 45 days, there are issues happening behind the scenes that have nothing to do with adding the lines. These mistakes or issue include mismanagement on the part of the company, or fraud alerts or security freezes in your credit report preventing the lines from posting, etc.

How Much Do Seasoned Tradelines Cost?

Quite often, clients ask, “How much do seasoned tradelines cost?” This may seem like a long winded answer, but you deserve thoroughness.

Seasoned trade lines range in price considering age, limit and balance. So, the price is not relevant unless you know what tradeline you need. You don’t know what tradeline you need unless you determine the deficiencies of your credit report (high debt to credit ratio, limit revolving accounts, etc.). So, the real question is “What tradeline do I need and how much does it cost?” That question can only be answered after a full analysis of your credit report, which takes into consideration your credit goals. People often search for “cheap tradelines” or “inexpensive seasoned tradelines”, but cutting these corners, you will likely end up disappointed with the results.

How much does it cost for a seasoned tradeline? The answer depends on what you need! As a general guide, prices range from $600.00 to $1,400.00 each. Unless you buy packages which can range from $1700 – $6000.

Is It Possible To Improve Credit Scores With Seasoned Tradelines?

Yes, it is possible to improve credit scores by adding seasoned tradelines. However, like many products, nothing is 100% guaranteed. If any person or company tells you a different story, that person or company is lying to you.

For example, what if you have 20 revolving accounts and only 1 auto, 1 mortgage, 1 installment, etc, if you add another seasoned trade line (or revolving account) is not going to do much for your score. Another example, what if you have 10 collections and 5 charge offs? Well, adding tradelines is likely to raise your score, but you’d be lucky to receive a 5 point boost in this case.

It’s important to take all the factors into consideration prior to buying tradelines. They are a power tool to raise your credit score, but they must be used properly.

Seasoned Tradelines For Sale; What Are They & Where Can I Get Them?

Seasoned Tradelines for sale have become a search term all to its own. Because of the general nature of the terms searched, we will explain what they are and where to get them. Seasoned tradelines for sale are lines of credit, with positive payment history and you can buy seasoned tradelines from a vendor, like our partners. Buying seasoned trade lines for sale is possible, and they may be a good option for you if you are trying to improve your credit standing. If you wish to purchase seasoned tradelines, please contact us at 800-563-4479 or email us hello@creditfundingsolutions.com.