How Do Tradelines Work

A tradeline is an existing account that adds good credit history to your credit report.

It’s the same concept of having your friends or family add you as an authorized user to their account.

You probably didn’t know that anyone can add you as an authorized user.

There are people with excellent credit willing to add you to their good credit history temporarily.

Once you’re added to the account, the established history will appear on your credit, so you wouldn’t have to spend several years building your credit.

Since the card history transfers to your report, it could give you the boost you need to achieve your own financial goals.

The FICO algorithm uses over 100 data points to calculate your credit score and risk. However, there are five main factors you need to keep in mind.

Each of these factors is like a grade.

And the goal of the tradeline is to increase your credit score grade for each of the five categories.

Are you ready to get started?

Remove any credit freeze or fraud alert from your credit profile. If either are present, your Tradeline may not post.

60 days is equivalent to the tradeline posting 2 times ​​( 2 months )

​90 days is equivalent to the tradeline posting 3 times ​( 3 months )


* the exact days may differ due to credit monitoring update frequency

The information you provide for the Tradeline order must match what is listed on your credit report. If it is not exact on all 3 bureaus your Tradeline may not post to all 3 bureaus

Tradelines typically post within the first 3-15 days AFTER their listed closing date

How to Buy Tradelines to Boost Credit

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Getting started is simple!

We’ll add you to the card and you’ll get a confirmation email for your records.

Keep in mind that you wouldn’t receive a card in the mail, but we’ll add the account to your credit report, and it will show up in a few weeks.

Your credit could benefit from the card age, perfect payment history, and credit limit so you could get to your goals sooner.

  1. Tell us about your goals

  2. Answer a few questions about your credit file

  3. We’ll match you with the 3 best options based on your credit file and budget

  4. Select an option and checkout securely online

  5. Complete your account creation process and upload your IDs

Ready to put tradelines to work for you?

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