利用者:MoberlyBrowning703

出典: くみこみックス

Seasoned Tradelines have been a way to drastically increase your credit score in a short period of time. Anyone who knew about this can verify that they were able to qualify for lower rates on mortgages, car loans, etc. Too bad there is only a short amount of time left to take advantage of seasoned tradelines. There is still one way to accomplish the same goal of increasing your credit score in the shortest time possible.

Fico (Fair Isaac Corporation) has caught on to this trend and vowed to put an end to it. The reasoning behind this is that it could be considered to fraudulently improve your credit score. There is not anything wrong with doing this, except the fact that the banks don't make as much money on someone with good credit as they do with someone with bad credit. People were doing seasoned tradelines without even realizing its' effects. For example, a parent sends their child off to school and adds them as an authorized user on their credit card. The student gets the benefit of using the card without applying for one on their own, and all the good history comes along with it.

The new method I am referring to is joint seasoned tradelines. The primary difference to the original method of Seasoned Credit Lines is that joint accounts will show up on your credit report and be included in the new FICO algorithm. Joint seasoned tradelines work just the same, but it is kind of like a co-borrower rather than an authorized user. This will be the new way that you will have to do this in order to obtain a higher credit rating.

Joint Seasoned Trade Lines have some requirements for it to have the biggest possible effect on your credit score. The accounts need to be at least a year to a year and a half old. The payments need to be perfect during that time period. Depending what you are after, mortgage, car loan, etc, you will want the tradelines to have a big credit limit and limited use. 10-20% should be ok. Anything higher will throw your score off a couple point or so.

As with any other method of repairing or establishing credit, do your homework and make sure you understand what you are doing, because you can end up hurting your score rather than helping it.