WHAT IS A TRADELINE?
A tradeline is a seasoned credit card account you're added to as an authorized user. The account's age, credit limit, and perfect payment history appear on YOUR credit report at all three bureaus. You never receive a card and never spend a dime on it — it simply reports.
Every line in our inventory is vetted: low utilization, on-time payments, and seasoned history. Our wholesale partner guarantees posting to at least 2 bureaus or you get a refund or replacement.
WHAT TRADELINES ARE USED FOR
Lower your utilization — fast. Utilization is about 30% of your credit score. Adding a $30,000–$60,000 line at near-zero balance can dramatically change your overall utilization picture.
Season a thin or young file. No old accounts? A 20+ year-old line with perfect history becomes the oldest account on your report. History length is 15% of your score.
Prepare for a car purchase. Time it 30–45 days before you apply and walk in with a thicker, stronger file.
Prepare for business funding. Most small-business credit still runs through your personal score when you personally guarantee. A stronger file means stronger applications.
Boost your file before any big application. Lines report for about 60 days (two billing cycles) — plan your timing with us.
Season a thin or young file. No old accounts? A 20+ year-old line with perfect history becomes the oldest account on your report. History length is 15% of your score.
Prepare for a car purchase. Time it 30–45 days before you apply and walk in with a thicker, stronger file.
Prepare for business funding. Most small-business credit still runs through your personal score when you personally guarantee. A stronger file means stronger applications.
Boost your file before any big application. Lines report for about 60 days (two billing cycles) — plan your timing with us.
HOW IT WORKS
1. Free analysis. We review YOUR credit report and prescribe the exact line for your goal. One right line beats three wrong ones.
2. Pick your line and posting date. Choose from 140+ live lines. You select the statement cycle you want it to hit.
3. It posts. The line typically appears on your bureaus 10–14 days after the next statement date and reports for about 60 days.
2. Pick your line and posting date. Choose from 140+ live lines. You select the statement cycle you want it to hit.
3. It posts. The line typically appears on your bureaus 10–14 days after the next statement date and reports for about 60 days.
CURRENT INVENTORY TIERS
Starter ($450–$600) — your first tradeline; thin files
Builder ($600–$900) — the sweet spot for most clients
Utilization Crusher ($690–$1,050) — limits from $30,000 to $42,000
Seasoned / Backdated ($900–$1,620) — 15 to 27 years of history
Premium ($1,440–$1,860) — big limits with serious age
Exact available lines change weekly — your free analysis includes what's in stock right now for your goal.
PRICING
Every tradeline is priced individually based on its limit and age (see tiers above). A $197 placement consultation is included free when you purchase any line — we read your report and match you to the most effective tradeline for what you're trying to accomplish. Buy 2+ lines and save 10%.
FAQ
How long does a tradeline stay on my report?
About 60 days (two billing cycles). It's a powerful boost — not a permanent account. Timing matters, which is why we plan it around your application.
Will this raise my score by a specific amount?
No honest company can promise exact points — anyone who does is lying. What we can tell you is the mechanism: how much available credit and how many years of history the line adds to your file, and what that has meant for clients in similar situations.
Can I use this to get a mortgage?
Be careful here: most mortgage underwriters disregard authorized-user accounts, so we don't sell tradelines as a mortgage-approval product. They're best for utilization, file thickness, auto purchases, and funding preparation.
Is this legal?
Authorized-user status is a standard, legal credit product — it's how spouses and family members have built credit for decades. Our partner operates openly as a tradeline marketplace.
What if the line doesn't post?
You're covered by a post-or-refund guarantee: if the line doesn't report to at least 2 bureaus, you get a refund or a replacement line.
About 60 days (two billing cycles). It's a powerful boost — not a permanent account. Timing matters, which is why we plan it around your application.
Will this raise my score by a specific amount?
No honest company can promise exact points — anyone who does is lying. What we can tell you is the mechanism: how much available credit and how many years of history the line adds to your file, and what that has meant for clients in similar situations.
Can I use this to get a mortgage?
Be careful here: most mortgage underwriters disregard authorized-user accounts, so we don't sell tradelines as a mortgage-approval product. They're best for utilization, file thickness, auto purchases, and funding preparation.
Is this legal?
Authorized-user status is a standard, legal credit product — it's how spouses and family members have built credit for decades. Our partner operates openly as a tradeline marketplace.
What if the line doesn't post?
You're covered by a post-or-refund guarantee: if the line doesn't report to at least 2 bureaus, you get a refund or a replacement line.
Find out which tradeline fits your file — free.
Prefer to talk? Call +1 833-303-2278
Educational purposes only. Tradelines are reported by third-party card issuers; individual results vary and no specific score increase is promised or guaranteed. This is not financial advice.