What are Tradelines

"How do tradelines work?"

A tradeline is a credit line/account that is on your credit report, your credit cards are considered tradelines on your credit report. Your car note is a tradeline. Your mortgage is a tradeline.

The type of tradelines that your file needs is 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.

"What can I do with my increased credit score?"

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.

"How do I pick the best tradelines?"

We stick to a few rules of thumb when selecting tradelines:

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).

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.

If your order is available you can secure that spot. If the line is gone we will find a sub with equal or greater value. Inventory go’s pretty fast each day so be diligent.

"How long does it take for a tradeline 

to appear on my credit report?"

Tradelines typically post 7 - 15 days AFTER the statement date given.

"How long will a tradeline stay 

on my credit report?" 

We guarantee our tradeline will stay on your report for a minimum of two posting cycles which is at least 60 days. Note that industry average is only a 30 day posting, so you are getting a longer posting with us. Note that after your lease has expired, the account will remain on your credit report. It will just change to a terminated authorized user status. 

"Do I need to remove Fraud Alerts 

before adding tradelines?" 

Yes. If you don’t then the tradeline may not post properly.