Understanding Tradelines: A Clear Guide
No fluff, no fear tactics. Just the facts about how tradelines work and what to expect when you purchase one.
1. What Is a Tradeline?
A tradeline is simply a credit account listed on your credit report. When we add you as an Authorized User (AU) to a tradeline with strong history, it can help boost your credit score by increasing your average age of credit, lowering utilization, and improving your overall credit profile.
2. What You're Buying
You're not getting access to the card.
You won't receive a card in the mail.
You're being added to one of our high-limit, low-balance cards strictly for the purpose of reporting history to the bureaus — to give your credit score a lift.
3. Timing Is Everything
Every card reports on a different day of the month. That means:
Purchase Deadline:
You must buy before the Purchase Deadline (usually 5–7 days before the billing cycle closes)
Reporting Timeline:
Once you're added, the tradeline typically reports to Experian, TransUnion, and Equifax within 10–15 days
4. How Long It Stays On Your Report
All tradelines report for exactly 2 cycles (approximately 2 months), then automatically expire from your credit report.
After the 2-cycle period ends, you can repurchase the same tradeline for another 2 cycles at 50% off the original price, subject to availability.
5. Does It Work for Everyone?
Tradelines are most effective for people who:
- ✓Have thin credit files (short history or no credit cards)
- ✓Are recovering from credit damage
- ✓Are trying to qualify for a loan, rental, or new card soon
May Not Be Ideal If:
You already have 10+ strong accounts or very recent major delinquencies.
6. Legal Note
• We do not guarantee specific score increases.
• We do not sell access to credit or promise loan approvals.
• Results vary depending on your full credit profile.
• This is not credit repair or financial advice.
• Always consult a professional before making financial decisions.
Ready to Get Started?
Browse our available tradelines and find the right fit for your credit goals.
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