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Tradelines For Sale: Genuine Strategy or Questionable Shortcut?

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The practice of purchasing tradelines involves adding a borrower as an authorized user on an existing credit account. Though this tactic is currently legal, it raises significant ethical and practical concerns. Typically, consumers pay a third party to be added to an established credit account—not to use the account, but to benefit from its positive … Read more

Credit Invisible

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Statistics indicate that roughly one in ten consumers is considered “credit invisible,” meaning they lack any credit history recognized by major credit bureaus like Equifax, TransUnion, and Experian. While it was once believed that having no debt was advantageous, this perspective has changed. Credit Invisible vs. Credit Unscoreable It’s important to differentiate between being credit … Read more