A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report.

Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline. The type of tradelines that we provide is Seasoned Authorized User tradelines, with perfect payment history, low utilization (under 30% unless otherwise noted) and perfect payment history.

We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. FICO® digests this newly added credit and recalculates your score.

It’s a truly unique and powerful custom service called the “Age Progressional Tradeline Package.” It’s a hand selected pack of tradelines prescribed to decrease the weaknesses in your credit score, which increases your credit score.

The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This also ensures easy, breezy posting to your credit report.

Yes. Fraud alerts, credit freezes and other types of locks, block new information from showing up on your report. If you don’t remove the fraud alerts/locks then the tradeline will not post properly. It is the client’s responsibility to call each credit bureau and remove the fraud alert. It is a simple phone call to each bureau to remove it. You can always add the fraud alert back as soon as the tradeline reports if you wish.

Typically tradelines report 10 – 15 days AFTER the statement date given you placed your order at least 3 DAYS BEFORE the statement date. Orders must be made AT LEAST 3 days before the statement date in order for your tradeline to post that month. Each tradeline has a different statement date. Our list is default sorted by statement date so you can see what is closing and posting the soonest. [We are known to make magic happen.] If you have a question about your order, please just ask us!

Typically tradelines report 10 – 15 days AFTER the statement date given you placed your order at least 3 DAYS BEFORE the statement date. Orders must be made AT LEAST 3 days before the statement date in order for your tradeline to post that month. 

Each tradeline has a different statement date. Our list is default sorted by statement date so you can see what is closing and posting the soonest. [We are known to make magic happen.] If you have a question about your order, please just ask us!

Every client is different, but we recommend to follow the tips above in order to get the best possible boost to your credit score. If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement.

P.S. Higher limits and older aged tradelines correlate to bigger credit score increases.

Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).

If you have nothing on your credit file, i.e. a thin file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.

The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.

Age Progressional Tradeline Packages are the most powerful and cost effective way to go.

All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.

An increased credit score will allow you to secure better interest and approval rates on credit cards, car loans, and mortgages. It also impacts your car insurance rate, the ability to rent an apartment, put utilities in your name without a down payment, or personally guarantee your own business. Also certain professions/employers require a certain credit rating for employment. Having a higher credit score means better loan terms, hands down.

When your authorized user lease has expired, the information will remain on your credit file, however it will show as a closed account. This is fine because the more positive accounts on your credit file, the stronger your file will be. The most impact you will get out of the tradeline will be while you are in an active status on the tradeline. Your score may or may not dip slightly when your lease has expired. What we have seen historically is a dip when the authorized user is removed, but not to as low as it was before the tradeline was added. Every file is different. Don’t delay, take action as soon as your tradeline(s) have posted to your credit file.

No. The tradeline you purchase will appear in your credit file, however you will not get the card. The goal of tradelines is for you to reap the benefit of a credit score increase/file solidification, then reach for your financial goals. What you are purchasing with tradelines is the information to be essentially copied and pasted in your credit file thus giving you an increase to your credit score in a very quick amount of time.

The reader’s digest version is yes, the act of being added as an authorized user to someone’s credit card is legal and is protected by the provisions in the Equal Credit Opportunity Act of 1974 – Regulation B. Although it is legal, it’s usually considered a disliked practice by society and other vendors.

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