TRADELINES
PRICE RANGE: $250 - $1500
Your credit score is determined by various elements such as age, credit utilization, credit limits, and others. These factors contribute to your overall credit profile.
Occasionally, your credit score may require a boost.
Authorized user tradelines refer to the practice of benefiting from someone else’s established good credit standing through becoming an authorized user on their credit cards.
Putting an authorized user tradeline on your credit report allows you to add its positive data to your own file and improve the strength of your credit report.
MORE INFORMATION
In what ways do Tradelines benefit my credit report?
Authorized user tradelines can benefit your credit profile in the following ways:
Decreases overall account
utilization.Increases average account age.
Increases your overall credit limit.
Improving these factors will benefit your credit score, and allow you to improve your chances of approval for new accounts with low interest rates and higher limits.
How does the process of buying an
tradeline work?
Here is a walkthrough of the process of buying an authorized user tradeline from us:
1. Select the tradeline that you are interested in from our inventory spreadsheet. (Green button above.)
2. Click the “Order Now” button on this page.
3. Wait for us to reach out with an invoice for you to make your payment. Make your payment when the invoice is received.
4. After your payment is confirmed, we will contact you to provide your personal details in order to add you to the tradeline.
5. Your information is submitted to the tradeline order and will be added within 24 hours of your order.
6. You will see your new AU tradeline reflected on your credit report as well as a boost in your score within 1 week after the reporting date on the account!
Frequently Asked Questions
Is there anything I need to do BEFORE making my Tradeline purchase?
Yes.
Before your purchase, you need to remove any credit freeze or fraud alert from your credit profile. If either is present, your Tradeline may not post.
Also, 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, so ensure that your information is accurate for maximum results.
What does the duration mean?
The duration is the amount of time that the tradeline will stay on your credit profile.
60 days is equivalent to the tradeline posting 2 times (2 months)
90 days is equivalent to the tradeline posting 3 times (3 months)
120 days is equivalent to the tradeline posting 4 times (4 months)
180 days is equivalent to the tradeline posting 6 times (6 months)
NOTE: The exact days may differ due to credit monitoring update frequency.
What should I look for in an Tradeline?
It is advisable to only add tradelines that are older and have a higher credit limit than what is currently on your credit report. If your utilization is high, adding tradelines with higher limits can help improve your overall utilization ratio. You should also be aware of your average age of accounts and only add tradelines that can increase it in a significant way. There is no guarantee of specific results that a tradeline will bring when it is reported onto your credit report. As every credit report is unique, it is your responsibility to use the information provided to determine the most appropriate tradelines for you. For further guidance on selecting the best tradelines for your credit file, contact us.
What is the timeframe for the tradeline to appear on my credit report?
Normally, it takes up to 30 days for an tradeline to be reflected on a credit report. Each tradeline reports once every month, and the time it takes to post depends on the reporting date. For instance, if you purchase a tradeline on the 1st and it reports on the 20th, it will be visible in 20 days. The only instance when it may take longer to post is if you order a tradeline too close to the report date, and you have to wait until the next reporting cycle, which is approximately a month plus a few days. Therefore, if you acquire a tradeline, you should expect it to appear on your report within 30 days maximum. If it doesn’t post within 45 days, contact us and we will perform an investigation as well as issue you a refund.
Is my tradeline purchase guranteed?
Although we do not provide guarantees for many services that we offer, we do provide a money-back guarantee for our tradelines if they do not post to at least 1 bureau within 45 days of the purchase.
However, we do not guarantee the results that will come from your purchase of a tradeline. Our guarantee is only for the posting of the tradeline.
Is it possible to add too many tradelines to my credit report?
Yes, it is. We recommend only adding up to 3 tradelines to a single credit report at any given time. If you add more than this, you run the risk of having your credit profile flagged for authorized user abuse.
Generally, adding up to 3 tradelines will give your credit profile the highest positive impact without any side effects.