Frequently Asked Questions
Q: How many trade lines can I purchase at one time?
A: There is no limit to the amount of trades you can purchase. You can purchase one trade line or you can mix and match individual trades in the fashion suitable for your credit needs.
Q: How long will these trade lines remain on my credit report?
A: Your trade lines will report as "OPEN" on your credit report for a minimum of 6 months. After that period your trades will remain on your credit report as "CLOSED" for a period of 2 to 3 years.
Q: How long will it take for my trade lines to appear on my credit once I make a payment?
A: 30 to 45 days is the usual amount of time it takes for your trade lines to appear. However, we make all of our clients aware that by law the credit bureaus have up 90 days to report any borrower accounts for reasons such as an over abundance of credit reporting during a particular reporting cycle.
Q: Is this trade line program legal?
A: Yes, My Identity Theft Defense and/or its affiliates has the capacity to issue credit to our clients in all of the programs we offer and all accounts are verifiable once they appear on your credit report.
Q: Can I just purchase an individual credit profile number without purchasing trade lines?
A: Yes, you can purchase a credit profile number without trade lines. The price of the credit profile number without trade lines is $800.00 and the number is issued to you within 2-3 hours of receiving your full payment.
Q: Can I purchase more than 1 credit profile number?
A: Yes, you can purchase as many as you would like.
Q: Is using an alternate 9-digit number to start a new credit profile legal?
A: Yes, but only for building credit. According to the 1974 Privacy Act you are not obligated to give your Social Security Number to any private industry or "FOR PROFIT" company. Most people think they have to release this piece of highly sensitive information in order to do business with them, but that is not true. You're only obligated to submit your SSN# for affairs concerning any federal, state or local government agencies. In some cases, they can not deny you service either because you refuse to release your social security number.
Q: Are the results of your services guaranteed?
A: We guarantee our services 100% or your money back! If your trade lines don’t appear on your credit report in 90 days we will refund 100% of your trade line payment guaranteed.
Q: Do you offer credit repair services?
A: My Identity Theft Defense is a full service personal/corporate credit restoration and end enhancement services company. We help and assist in building our clients personal and corporate credit profiles.
Q: Can you guarantee a 720 credit score to your clients after the trade lines are added?
A: We can only guarantee a 720 credit score to our clients who purchase a new credit profile. For clients who add trade lines to their existing credit, we can only guarantee that your scores will improve dramatically but any prior negative history on your current credit report makes it impossible for us to guarantee you a 720 credit score.
Q: Are these Authorized User accounts?
A: These are Authorized User accounts,and Primary. All trade lines will appear on your credit report with you as the sole borrower,or as Authorized User depending on purchase.
Q: Can I apply for anything once my scores improve?
A: Yes, you can and will be approved for mortgages, car loans, credit cards, etc. Once our services have been implemented you will have the payment history and credit history to get approved with any lender or financial institution.
Trade lines Explained
Examples of Trade lines are, Mortgages, Auto, Installments (loans), Revolving (Credit Cards). The older the Tradelines the better your credit will be. This means you have established credit history, which gives you a higher FICO score.
Is there another way to re-establish my credit?
Yes, we know that re-establishing credit can be a time consuming process. We can add paid off Trade Lines to boost your credit score. We can give you a new Credit Privacy Number with a 700+ score (excellent credit), to use as you see fit.
Are you saying that I can use my Credit Privacy Number (CPN) to buy investment property or get a loan to start a business?
Yes. Leverage is a tool that has been used by the wealthy for generations. Now you have it to use for your purpose.
What is the process after obtaining my Credit Privacy Number?
Within 3 business days your new CPN is established and validated. You can verify your CPN through SSNVALIDATOR.COM. You will be given a blank Credit Report, that will allow you to begin to add Trade lines to build your credit score.
To build your credit score faster, we can add established Tradelines to get scores in the 700+ range, that will allow you to purchase cars, homes, and even start a business.
How long does it take to get Tradelines set up on my CPN?
It takes 3-6 weeks to get the Trades lines added & validated to your CPN. But generally you will see the Tradelines at 1 credit bureau within 1-2 weeks.
