{"id":1662,"date":"2019-08-26T22:04:11","date_gmt":"2019-08-26T22:04:11","guid":{"rendered":"https:\/\/360tradelinecompany.com\/?page_id=1662"},"modified":"2019-08-26T22:10:48","modified_gmt":"2019-08-26T22:10:48","slug":"faq","status":"publish","type":"page","link":"https:\/\/360tradelinecompany.com\/index.php\/faq\/","title":{"rendered":"FAQ&#8217;s"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><style>#sp-ea-1661 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-1661.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-1661.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-1661.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-1661.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-1661.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1779905222\"><div id=\"sp-ea-1661\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16610\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16610\" aria-controls=\"collapse16610\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> Do Authorized User Tradelines Still Work?<\/a><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse16610\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16610\"> <div class=\"ea-body\"><h2>Do AU Trade Lines Impact Credit Reports?<\/h2><p>Despite fear and anxiety to the contrary, Authorized User trade lines continue to report to the credit bureaus and impact millions of credit reports. Nothing has changed, even though many people may try to claim otherwise.<\/p><p>According to the study completed by the Federal Reserve Bank, \u201c\u2026creditors may have to consider all authorized user accounts on an individual\u2019s credit record, regardless of whether they reflect a spousal relationship to an account holder. For this reason, credit history scores, such as the FICO score<b>\u00ae<\/b>, have traditionally accorded authorized user accounts equal weight to the other accounts on an individual\u2019s credit record. If the account has desirable characteristics (such as a low utilization rate or a good payment history), this may improve the authorized user\u2019s credit risk profile and credit scores. The result may be enhanced access to credit and reduced borrowing costs.\u201d<\/p><p>Additionally, the Fair Isaac Corporation (FICO<b>\u00ae<\/b>) also confirmed in Congressional testimony, \u201cAfter consulting with the Federal Reserve Board and the Federal Trade Commission earlier this year, Fair Isaac has decided to include consideration of authorized user tradelines present on the credit report in the FICO 08 model.\u201d<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16611\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16611\" aria-controls=\"collapse16611\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What is in a credit score and how is it calculated?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16611\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16611\"> <div class=\"ea-body\"><p>Your credit score is a number usually between 350 and 850 designed to help lenders predict the likelihood you will repay future debt obligations based on the performance of previous and current loans.<\/p><p>To learn more about your credit score and how it is calculated, click here.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16612\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16612\" aria-controls=\"collapse16612\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What is My Real Credit Score?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16612\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16612\"> <div class=\"ea-body\"><p>Now more than ever consumers are proactively monitoring their credit. Not only can you easily get a copy of your credit report on the internet, you can also view your credit score. Companies like Credit Karma, MyFICO.com and Experian.com make it easy to access that information so you can take the necessary steps to improve your score before making significant purchases, potentially saving you thousands. There\u2019s just one problem: many consumers are finding the score provided to them by companies like Credit Karma, Experian.com, and MyFICO.com may not be the same score their financial institution uses when they consider extending credit.<\/p><p>This news can come as a shock to consumers. After all, when consumers proactively monitor their credit scores, they assume they are seeing the same scores that lenders see. Unfortunately, this couldn\u2019t be further from the truth. While <a href=\"https:\/\/www.myfico.com\/credit-education\/fico-scores-bridge\">FICO<sup>\u00ae<\/sup> scores<\/a> are reportedly used in up to 90 percent of lending decisions, other scoring models such as <a href=\"https:\/\/www.vantagescore.com\/\">VantageScore<\/a> are becoming more popular. They may use the same type of information to calculate a credit score, but the <a href=\"https:\/\/www.myfico.com\/credit-education\/credit-scores\/fico-score-versions\">algorithm is different<\/a>. This means your FICO<sup>\u00ae<\/sup> score and VantageScore could be considerably different from each other.<\/p><p>To make matters even more confusing, your FICO<sup>\u00ae<\/sup> or VantageScore being used by the bank you want to borrow money from is highly likely to be enormously different from the scores provided by websites like <a href=\"https:\/\/www.myfico.com\/credit-education\/credit-scores\/fico-score-versions\">MyFICO.com<\/a>, Experian.com, and CreditKarma.com.<\/p><p>But wait\u2026it gets worse! Each bank \u2013 especially the large ones \u2013 may use multiple variations of the credit scoring model within their own company. One model for car loans, another for mortgages, another for credit cards, etc. all in an attempt to more accurately predict your likeliness to repay the particular type of loan you are applying for. You see, since some people are good at paying their monthly mortgage payment but not their credit cards, the bank can customize their credit scoring model based on the type of loan the applicant is seeking.<\/p><h2>Different models produce different credit scores<\/h2><p>Enter client Will A., who found this out the hard way. Credit Karma reported his score to be 662, but CreditWise.com showed he was an 831 credit score. Then his lender pulled his credit the same day and told him his FICO<sup>\u00ae<\/sup> score was 767! That\u2019s a whopping 169-point difference that saved Will thousands of dollars on his loan.<\/p><p>Credit Karma credit score after BoostMyScore services:<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16613\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16613\" aria-controls=\"collapse16613\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What Happens When you Carry a Balance on Your Credit Cards at Different Levels?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16613\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16613\"> <div class=\"ea-body\"><p>The reason for this experiment was really to see what maxing out cards can do to a score.<\/p><p>We decided to see what effect the utilization ratio has on the credit score at 10% intervals. \u00a0We did 90%, 80, 70\u2026 all the way to 5% and the results are VERY interesting! Take a look:<\/p><ul><li>90% = down 235 points\u2026 going from 100% to 90% increased the score 36 points:<\/li><li>80% = down 167 points\u2026dropping it down to just 80% was 104 points difference versus 100% utilization:<\/li><li>70% = down 163 points\u20264 point gain<\/li><li>60% = down 160 points\u20263 point gain<\/li><li>50% = down 152 points\u20268 point gain<\/li><li>40% = down 93 points\u2026turns out that dropping below 50% is a real big turning point.<\/li><li>30% = down 82 points<\/li><li>20% = down 69 points<\/li><li>10% = down 32 points<\/li><li>5% = down 7 points<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16614\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16614\" aria-controls=\"collapse16614\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How big of a boost can I expect from piggybacking tradelines?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16614\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16614\"> <div class=\"ea-body\"><p>The boost is different for everyone. It all depends on what is currently in your credit report and what you choose to purchase from us.\u00a0The easiest way to answer this question is to say that there are three \u201cTruths\u201d to boosting your credit score through this method.<\/p><ol><li>The more credit cards\u00a0we add to your credit report, the bigger the boost will be.<\/li><li>The fewer the number of credit cards that you currently have in your credit report showing as open, the bigger the boost will be.<\/li><li>The higher the limit, and the longer the history for the card(s) you choose to add to your credit report,\u00a0the bigger the boost will be.<\/li><\/ol><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16615\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16615\" aria-controls=\"collapse16615\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How long does it take for the tradelines to appear on my credit report?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16615\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16615\"> <div class=\"ea-body\"><p>We guarantee that our credit card(s)\u00a0will appear on at least one of your three credit reports in less than 60 days from the first expected monthly reporting date, or we will give you all your money back. Typically they will appear in less than 30 days; most of the time it takes just a week or two after the first expected monthly reporting date.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16616\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16616\" aria-controls=\"collapse16616\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How long do piggybacking trade lines remain on my credit report?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16616\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16616\"> <div class=\"ea-body\"><p>Our Primary Cardholders are required by contract to keep you listed as an Authorized User on their credit card for no less than 60 days. As a result, we guarantee the history of the card you have chosen will remain on your credit report for at least 60 days. In the unexpected event that the card(s) falls off your credit sooner than 60 days, we will either issue a pro-rated refund of your money, or re-add you to the card for an additional reporting cycle, at no additional cost to you. If the card does fall off your credit report after the 60-day lease term expires, and you are still in need of a boosted credit score, we can always renew your lease under the same terms.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16617\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16617\" aria-controls=\"collapse16617\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Will the bank change my interest rates if and when the Authorized User credit cards fall off my credit report?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16617\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16617\"> <div class=\"ea-body\"><p>Once you close on a loan, the bank is contractually bound to hold those loan terms and conditions as agreed in your contract. They cannot change the terms solely because your status as an Authorized User has been removed after closing. You will likely continue to qualify for the lower rates, as long as your loan closes before, and if, the tradelines fall off your credit report.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16618\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16618\" aria-controls=\"collapse16618\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What happens after I am removed from the Authorized User Tradelines?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16618\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16618\"> <div class=\"ea-body\"><ol><li>the authorized user tradeline that appeared on your credit report can disappear, completely removing any benefit you may have had previously.<\/li><li>the tradeline will remain on your credit report, but the status of the account as it appears in your credit report will change from \u201cOpen\u201d to \u201cTerminated\u201d or \u201cClosed\u201d, which removes the benefit you had from the available credit limit. The credit score benefit you were previously receiving from the tradeline\u2019s payment history may remain in this case.<\/li><li>the tradeline will sit stagnant on your credit report with no new information reported. In this case you may continue to benefit from both the credit limit, as well as the payment history. But as time goes on without any new information reported, that positive history may likely be reduced in value to the credit score.<\/li><\/ol><p>If you need the credit boost for longer than our minimum 60-day time period, be sure to ask us for a lease extension.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-16619\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse16619\" aria-controls=\"collapse16619\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Will FICO\u00ae 08 affect my ability to receive a credit score boost?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse16619\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-16619\"> <div class=\"ea-body\"><p>No. We believe\u00a0<a title=\"MyFICO Credit Scores\" href=\"https:\/\/www.investopedia.com\/terms\/f\/fico-08.asp\" target=\"_blank\" rel=\"noopener\">FICO<strong>\u00ae<\/strong>\u00a008\u00a0<\/a>was really just a propaganda scare tactic used by the\u00a0<a title=\"Fair Isaac Corp\" href=\"https:\/\/www.fico.com\/\" target=\"_blank\" rel=\"noopener\">Fair Isaac Corp\u00a0<\/a>to make all of us confused and uncertain. Based on our experience, the piggybacking boosting strategy still works just like it always has; nothing has changed. If by some stretch of the imagination FICO decided to assist banks in violating the\u00a0Equal Credit Opportunity Act\u00a0by making illegal\u00a0adjustments to their credit scoring model, it would take years, if ever, for the new version to effectively permeate the financial industry. For example, simply because Microsoft released Windows 11\u00a0doesn\u2019t mean that\u00a0everyone in the country is going to the store tomorrow to buy the software, install it on their computer system, get it to work effectively, and then start using it. This is a very similar process that would have to be taken by every bank, credit union, credit card company, mortgage broker, car dealership, etc. in the entire country. Now knowing how it all works, you can imagine how much time you have to enjoy the benefits of our \u201ccredit renting\u201d services\u2026just in case.<\/p><p>In addition, as you can see in Regulation B of the Equal Credit Opportunity Act, and in our 2008\u00a0<a title=\"FICO 08 is fake\" href=\"https:\/\/cdn.boostmyscore.com\/wp-content\/uploads\/2014\/11\/Fico08-Determined-to-be-Illegal_201411.pdf\" target=\"_blank\" rel=\"noopener\">Press Release<\/a>, it is unlawful for any lending institution to ignore credit history present in a credit report, regardless of authorized user status, or otherwise. If a bank were to reject your loan application or artificially reduce your credit score as a result of the presence of an authorized user tradeline, they would likely be in violation of ECOA and liable to pay out damages through a civil claim.<\/p><p>That\u2019s the legal reason why adding an AU tradeline to your credit report will help and why the Fair Isaac Corporation (FICO\u00ae) can\u2019t stop us. The logical reason is that over 40 million people in the United States are listed as Authorized Users on someone else\u2019s credit card. Simply because you have one \u2013 or several \u2013 on your credit report should not raise any \u201cred flags.\u201d Even if the bank underwriter chose to violate the law and ignore your AU tradelines, it is nearly impossible for them to physically change your credit score, because the FICO\u00ae score is a highly secretive formula that underwriters have no access to. Being that most every loan approval is based on credit scores, you would still be in a good position to acquire an approval, as long as the rest of your application meets the underwriting requirements (income, job history, etc).<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-166110\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse166110\" aria-controls=\"collapse166110\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Primary or Authorized User Tradelines?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse166110\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-166110\"> <div class=\"ea-body\"><p>Years ago, several online companies advertised the ability to add \u201c<strong><em>Seasoned Primary Tradelines<\/em><\/strong>\u201d to your credit report. These tradelines\u00a0could look better on your credit report to a mortgage underwriter than a \u201c<strong><em>Seasoned Authorized User Tradeline<\/em><\/strong>\u201d. Since the account would appear in a credit report as being individually managed by the borrower (<strong><em>Primary<\/em><\/strong>), and because it showed several years of credit history (<strong><em>Seasoned<\/em><\/strong>), it had the potential to boost the credit score AND trick underwriters into believing it belonged to the applicant. As you can imagine, the \u201c<strong>Seasoned Primary<\/strong> Tradeline\u201d practice appeared to be fraudulent to many in the law enforcement community. Several businesses advertising that service were quickly sought out and shut down.<\/p><p>Bear in mind that, as opposed to a \u201c<strong><em>Seasoned Primary Tradeline<\/em><\/strong>\u201d, a \u201c<strong><em>New Primary<\/em><\/strong> Tradeline\u201d (a new credit card account, for example) will most likely cause a drop in your credit score. Your score will typically recover, once the New Primary Tradeline has aged for a couple years.<\/p><p>For these reasons, Tradelinecompany does not assist clients with adding \u201c<em><strong>Seasoned Primary<\/strong> <\/em>Tradelines\u201d to their credit report. We also do not assist our clients in applying for \u201c<em><strong>New Primary<\/strong><\/em>Tradelines.\u201d<\/p><p>To be clear, Tradelinecompany specializes<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-166111\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse166111\" aria-controls=\"collapse166111\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Now that my credit score is boosted, what do I do?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse166111\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-166111\"> <div class=\"ea-body\"><p>Go out and apply for your loan, apply for the job you wanted, or for premium car or home owners\u2019 insurance! Start your own business! But whatever you do, remember one thing, this is not a ticket for a shopping spree. Be responsible with your new credit score. Be smart. Plan ahead and stick to your plan. It is very easy to succumb to the temptations of the credit world, but it is those of us who can manage our emotions with self-control and logical reasoning who will become masters of our financial future.<\/p><p>Remember, a good credit customer is one who can pay off their ENTIRE balance in full every month. Practice this and it will repay you for the rest of your life.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-166112\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse166112\" aria-controls=\"collapse166112\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Do you work on business credit?<\/a><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse166112\" data-parent=\"#sp-ea-1661\" role=\"region\" aria-labelledby=\"ea-header-166112\"> <div class=\"ea-body\"><p>All our Authorized User trade lines are personal credit cards. While we cannot help build your business credit profile, building your personal credit first can be a huge help in obtaining business credit.<\/p><p>Also, keep in mind that business accounts typically only report to the business reporting agencies,\u00a0Dunn &amp; Bradstreet, Experian Business, and Equifax Business, and not to the personal credit reporting agencies (<a title=\"Experian Credit Reports\" href=\"https:\/\/www.experian.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Experian<\/a>,\u00a0<a title=\"TransUnion Credit Reports\" href=\"https:\/\/www.transunion.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">TransUnion<\/a>, and\u00a0<a title=\"Equifax Credit Reports\" href=\"http:\/\/www.equifax.com\/home\/en_us\" target=\"_blank\" rel=\"noopener noreferrer\">Equifax<\/a>),\u00a0and therefore do not help your personal\u00a0<a title=\"MyFICO Credit Scores\" href=\"https:\/\/www.myfico.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">FICO\u00ae\u00a0<\/a>score.<\/p><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-1662","page","type-page","status-publish","hentry"],"acf":[],"jetpack_sharing_enabled":true,"brizy_media":[],"_links":{"self":[{"href":"https:\/\/360tradelinecompany.com\/index.php\/wp-json\/wp\/v2\/pages\/1662","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/360tradelinecompany.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/360tradelinecompany.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/360tradelinecompany.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/360tradelinecompany.com\/index.php\/wp-json\/wp\/v2\/comments?post=1662"}],"version-history":[{"count":2,"href":"https:\/\/360tradelinecompany.com\/index.php\/wp-json\/wp\/v2\/pages\/1662\/revisions"}],"predecessor-version":[{"id":1668,"href":"https:\/\/360tradelinecompany.com\/index.php\/wp-json\/wp\/v2\/pages\/1662\/revisions\/1668"}],"wp:attachment":[{"href":"https:\/\/360tradelinecompany.com\/index.php\/wp-json\/wp\/v2\/media?parent=1662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}