Airline deal may reshape industry

The directors of Delta and Northwest on Monday approved a deal for the two companies to merge into the world's largest airline. The merger could lead to a series of other deals to reshape the U.S. airline industry, potentially leading to less competition, CNNMoney.com reports. The deal still faces regulatory and labor hurdles.

In a constant effort to meet the growing credit needs of their clients, trade line companies are offering something new: Seasoned Primary Accounts. Working similarly to seasoned trade lines on steroids, these seasoned primary accounts can boost your score within 3-5 days. Instead of becoming an authorized user on an account, an existing loan that has been paid down is purchased from a bank and the client's name is listed as the new primary holder. These, as with all other accounts, are those with excellent credit history and have a limit of about $10,000.

Seasoned primary accounts are not credit cards, but loans with zero balances, such as car loans or lines of credit. In addition to raising your score higher than trade lines, once an account is purchased, the client is able to request a rapid rescore from the credit bureaus, revealing their new raised score in 3-5 days. Basically, you could purchase a seasoned primary account on Monday and walk into a bank to refinance on Friday and get the loan you need to keep your home. Let's break it down for you:

Seasoned Trade Lines Seasoned Primary Accounts
30-45 days to show on credit 3-5 days to show on credit A 35 pt. increase per line A 34-45 pt. increase per line Remains on credit for 120 days Remains as long as client keeps acct. open Affected by FICO 08 Not affected by FICO 08 $799 per line  $1199 per account

This is a revolutionary step in credit repair and could help prevent foreclosure for thousands of desperate families that have been hurt by poor lending practices.

Ted Stearns, owner of TradeLine Solutions, a San Diego based credit aide company, is not a newcomer to the world of finance. His experience began as an options and futures broker with Currency Trading International about 12 years ago. Since then he has been a financial advisor who hosted a live radio show on AM 1000 KCEO for four years, educating callers and listeners on stocks, bonds and various investments. Over the last five years he has delved into the nationwide mortgage business informing both clients and lenders alike in the arena of purchasing and refinancing.

With all former experience as his guide, he has come into the world of trade lines to help clients better their financial situation. Able to glean from the perspective of both lender and client, he has the unique ability to see the need of the purchaser and meet it head on.

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