Raise your credit score before you borrow
If a low score is blocking a good rate, the file itself has to change before the rate does. Authorized-user tradelines add seasoned card history — over-830 FICO cardholders, perfect payment history, under 5% monthly usage — to your credit report for 60 days.
All tradeline fees are reimbursed if KAL Kreations arranges your real estate investment loan.
Tradelines add authorized-user history to a credit file.
You will be talking directly with the cardholder, without a middleman.
Tradelines compared with credit repair
Credit repair disputes items already on a file and can take months with an uncertain outcome. Tradelines add positive seasoned history on a known reporting schedule. They address different problems and are not substitutes for each other.
Sequence matters
If you are heading into a purchase, start the tradeline before you shop terms, not after. The card reports on its normal cycle, and the client stays on the cards for 60 days with renewal available indefinitely.
What counts as a good credit score
Lenders read a FICO score in bands. The band a file lands in decides whether a loan is approved and what rate is offered.
| Range | Rating | What lenders read into it |
|---|---|---|
| Below 580 | Poor | Well below the average score of U.S. consumers. Lenders treat the borrower as a risk, and many loans will not be approved. |
| 580 – 669 | Fair | Below the average score of U.S. consumers. Many lenders will approve a loan at this level, but at a high interest rate. |
| 670 – 739 | Good | Near or slightly above the U.S. average. Most lenders consider this a good score with an average interest rate available. |
| 740 – 799 | Very good | Above the U.S. average. The borrower reads as very dependable and a very good interest rate is usually available. |
| 800 and above | Exceptional | Well above the U.S. average. The borrower reads as an exceptionally low risk and the best available interest rate applies. |
Frequently asked questions
How much will my score go up?
The cards used carry FICO scores over 830 and perfect payment history.
Tradelines add authorized-user history to a credit file.