Tradelines
A low credit score is very expensive. It can translate to a higher interest rate and lower acceptance for your loan, including a smaller approval or no approval at all.
A tradeline is an account on a credit report. Being added as an authorized user to a seasoned credit card can put that card’s age, limit and payment history on your file. KAL Kreations places clients on cards with FICO scores over 830, perfect payment history and less than 5% usage for 60 days, or two billing cycles, with renewal available indefinitely.
All tradeline fees are reimbursed if KAL Kreations arranges your real estate investment loan.
Tradelines add authorized-user history to a credit file.
The offer
Unlike companies that place layers between clients and cardholders, KAL Kreations connects clients directly with the cardholder. You will be talking directly with the cardholder, without a middleman.
- Cards carry FICO scores over 830, perfect payment history, and less than 5% usage reported each month
- The 60-day term covers two billing cycles and can be renewed indefinitely
- All tradeline fees are reimbursed if KAL Kreations arranges your real estate investment loan
Frequently asked questions
What is an authorized user tradeline?
An authorized user tradeline is a seasoned credit card you are added to as an authorized user rather than as the borrower, so the card's age, limit and payment history can appear on your credit report. You are not liable for the balance.
How long does the tradeline stay on my file?
The 60-day term covers two billing cycles and can be renewed indefinitely.
What do the cards look like?
Every card carries a FICO score over 830, perfect payment history, and less than 5% usage reported each month.
Will I deal directly with a tradeline holder?
Yes. You will be talking directly with the cardholder, without a middleman.
Will my score definitely go up?
Call 415-892-0470 to talk through your situation before you order.
Are tradeline fees refunded if I get a loan?
All tradeline fees are reimbursed if KAL Kreations arranges your real estate investment loan.