You Need to Know About Tradelines
Find quick answers to the most common questions about personal and business tradelines, how they work, how they help your credit, and what to expect when you get started.
General questions:
If you're new to tradelines, this section covers the basics; what tradelines are, how they work, and what to expect when you work with us. Whether you're building credit or just exploring your options, these answers will help you understand how tradelines can benefit your financial goals.
A tradeline is any account that appears on your credit report, such as a credit card or loan. When you’re added as an authorized user to a tradeline with good history, it can boost your credit profile.
A strong tradeline can help improve your credit by increasing your average age of credit, adding positive payment history, and lowering your utilization ratio; all of which are major credit scoring factors.
Yes, buying tradelines is legal and widely used in the credit repair and funding industries. We only use seasoned, compliant accounts and follow all FCRA and credit bureau guidelines.
We report tradelines at the end of each month. Once reported, they typically appear on your credit report within 5–7 business days.
Yes, all clients must sign a tradeline agreement and an authorization document that allows us to report the tradeline to the bureaus.
Personal Tradelines:
Adding personal tradelines can help increase your credit score, improve your credit profile, and open new opportunities for funding. Here, we answer the most common questions about how our personal tradelines work, what they include, and how to choose the best option for your needs.
Personal tradelines appear on your individual credit report and affect your FICO score. Business tradelines appear on your business credit profile and help with business credit building and funding.
Yes. We give you the ability to choose from a list of available personal tradelines based on your goals, such as boosting age or lowering utilization.
Each tradeline is typically guaranteed to report for at least 60 days. Longer durations may be available, just ask us.
No, you will not receive a physical card or have any spending access. You’re added only to strictly benefit your credit report.
Absolutely. We offer bundled packages at discounted rates for clients who want to boost multiple credit factors at once.
Business Tradelines:
Looking to build your business credit profile? Our business tradelines are designed to help you establish creditworthiness, boost your business credit scores, and qualify for higher funding. This section explains how business tradelines work, who qualifies, and how they can benefit your company.
Yes, we report to major business credit bureaus such as Experian Business and Equifax Business. Make sure your business is properly set up before purchasing.
Your business must have an EIN, a business bank account, and be properly registered. We’ll guide you through setup if needed.
Business tradelines help build your business credit profile, increase your PAYDEX or business credit scores, and position you for higher-limit funding.
Yes. With strong business tradelines, you’ll look more credible to lenders and banks, which helps with approvals for high-limit business credit cards, vendor accounts, and loans.
Yes, we have wholesale and reseller pricing for credit repair companies, funding consultants, and affiliates. Contact us to apply.