Tradelines are not only legal, adding authorized users to tradelines is a common financial practice protected by the 1974 Equal Credit Opportunity Act. Be aware, though, that many lenders have their own practices regarding AUs and creditworthiness. Some lenders exclude AU tradelines from their credit review process.
Purchasing an AU tradeline from a reputable dealer should always be a safe, transparent process. However, many scammers sell tradelines to steal personal information like SSNs and credit card numbers. A legitimate tradeline seller will have a registered business, valid contact information, good reviews, and SSL encryption to protect your personal information.
Yes. If the primary account holder is making timely payments and keeping utilization low, the AU tradeline will boost your FICO score. If they miss a payment or increase their credit utilization, your score will be negatively impacted.
No. Credit Privacy Numbers (CPNs) are a scam, used in place of Social Security Numbers (SSNs) to fraudulently apply for credit. Priority Tradelines is committed to conducting legal business that complies with all financial regulations. Any attempt to use a CPN for a tradeline purchase is expressly forbidden and will result in denial of services with no refund.
Primary tradelines, which are owned and controlled by you, are the ideal way to grow your credit score over time. These tradelines may be credit cards, auto loans, mortgages, or other types of credit. Business tradelines are similar, in that they appear in the name of your business. While these types of tradelines can be very beneficial to your financial goals, Priority Tradelines does not offer them. AU tradelines purchased from Priority Tradelines offer a short-term boost to personal credit.
Tradelines of credit refer to any credit account listed and tracked on your credit report. They can be revolving accounts like credit cards, installment accounts like auto loans, accounts for which you've been listed as a cosigner or authorized user (AU), or any debts sold to collection agencies. Lenders review the status of these accounts to determine your creditworthiness.
Tradelines are credit accounts, listed on your credit report, that tell lenders what kind of credit you've been issued, how well you've managed it, and for how long. Primary tradelines are accounts opened and owned by you. AU tradelines are accounts to which you've been added as an authorized user. A tradeline is considered "seasoned" when it's been active for 12+ months.
An account for which you are the authorized user will list the account's age, credit limit, utilization, and payment history on your credit report.
An AU tradeline can post in as little as 12 days with Priority Tradelines, however that will depend on the specific tradelines you purchase. Each tradeline offers a different reporting date. A primary tradeline can take up to 60 days depending on lender practices.
An AU tradeline can boost your credit score in as little as 12 days.
It depends on the credit lender. Some lenders report to only two bureaus, while others report to all three. Priority Tradelines guarantee is that AU tradeline will report to at least two out of three credit bureaus. We do not control which bureau the credit will report the accounts too. If you need a tradeline to post to all three credit bureaus, contact us for help.
It may be that the credit lender only reported to one bureau, or that not enough time has elapsed for other bureaus to report the transaction. Credit reporting is voluntary, and each lender and bureau has their own process and timeline for reporting. If your AU tradeline hasn't posted to 2 bureaus within 2 business days from the scheduled reporting date, contact us. Please make sure you update all three credit bureaus on the reporting date to see your AU tradeline. This means requesting a new credit report through Experian, Equifax and Transunion. Make sure this is completed prior to contacting us.
AU tradelines purchased through Priority Tradelines remain on your credit report for three billing cycles (or months). You may request an extension for an additional fee as long as you contact us within 30 days of the expiration date.
Clients with a clean credit history can expect an average credit score boost of 20–80 points from an AU tradeline.
All results vary depending on the condition of credit. If you have derogatory information such as collection accounts, charged off accounts, late payments. These can impact the effectiveness of your AU tradeline and we recommend taking care of these items before adding an AU Tradeline for best practices.
A tradeline only harms your credit if it raises your overall credit utilization or the account holder fails to make timely payments on the account balance. Make sure you understand the risks associated with purchasing tradelines and only buy seasoned tradelines from a reputable dealer.
Yes. Seasoned, high-quality tradelines can boost your credit score enough to help you qualify for these types of loans. Contact us for specific tips and guidance.
The number of tradelines you should buy depends on your short-term financial goals. For mortgages, we recommend buying 2-3 high-quality tradelines. Contact us for help in making your selection.
The best tradelines have an account history of more than 24 months, a credit limit over $10,000. The older the account, the higher the limit and the lower the utilization, the more of a credit boost you can expect. These attributes are reflected in the price of each tradeline.
To buy one of our tradelines, make your selection from our tradeline sales page and fill out the Client Order Form. We'll then ask you to verify your identity with a valid driver's license and social security card before submitting your payment. You will need to provide the front and back of the drivers license and social security card.
For tradeline purchases, we recommend using Zelle or CashApp. For processing and regulatory reasons, we cannot accept payments via check, debit, or credit card.
To ensure your tradeline posts by the reporting date, you must purchase it by the purchase deadline or the purchase by date listed online. This process allows you to maximize your credit score boost and effectively track the Tradeline reporting as well.
You can track your order status on your customer dashboard. Your detailed receipts will indicate your order number, account status, amount paid as well. We ask that you use that as a reference as well.
If your AU tradeline isn't showing on your credit report by the listed posting date, Please make sure you have logged into your credit report and request an updated copy of all three credit bureaus. Experian.com, myfico.com are good options to update and receive your credit report. Once you do that you will search your list of open revolving accounts until you see your account listed. Do this for all credit reports you have. If you still do not see your AU Tradeline contact us for assistance. We'll make it right.
Yes. It is the responsibility of the lender to report a tradeline to the credit bureaus. Some report to just one or two bureaus, while others report to all three. Additionally, each credit bureau has its own reporting schedule. It can take up to a few days(1-2) for a tradeline to post to all three bureaus, and some (like Equifax) choose which tradelines they will report. If you need your tradeline to post to a particular bureau, review the lender information on our tradeline sales page or contact us for help.
Yes. Before purchasing one of our tradelines, make sure your credit report is open and free of any fraud alerts or security freezes.
We ask that you follow the steps to review your credit report first and then complete a non-posting form found on the bottom of your receipt and on the bottom of our website. If a tradeline doesn't post by the posting date listed in our tradelines catalogue, contact us for a free replacement or refund.
We guarantee that your purchased tradeline will post to at least 2 out of 3 major credit bureaus and will remain on your credit report through three billing cycles.
All personal information is protected with bank-level encryption. We never sell or share your data with third parties.
If a tradeline fails to post or is unavailable, you'll receive an equivalent tradeline or 100% refund — processed within 2–3 business days. See our refund policy.
We only work with seasoned, high-limit accounts from verified cardholders with perfect payment histories. Accounts will have a maximum utilization of 10%.
No hidden fees, ever. The price you see is the price you pay.
We guarantee responsive, U.S.-based support.
If you have a credit card with a credit limit over $2,500, utilization of 10% or lower, clean 12-month history and available AU slot, you can apply to become one of our cardholder partners. As a cardholder partner, you'll earn extra income by renting your AU slot to our customers on a 3-month cycle. Click here to get started.
For tradeline brokers, we offer wholesale prices on our seasoned, and vetted tradelines. Brokers must abide by our broker agreement and submit valid information about themselves and their business when requested. New brokers are welcome to apply here.
Yes. Approved brokers can purchase our tradelines at wholesale prices and sell them under their own label. Click here to learn more.
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It depends on the lender. Credit reporting is voluntary, and lenders can choose when and how to report a tradeline. If you need an AU tradeline reported to a particular bureau, your best option is to choose a lender who reports to that bureau.
Each bureau has its own timeline for reporting new tradelines. It can take a few days (1-2) for all three bureaus to register a new AU tradeline, and some may not report them at all. If you need a tradeline to post to a particular credit bureau, your best option is to choose a lender who reports to that bureau within a stated timeframe.
Yes. Only purchase tradelines that have a low utilization (less than 10% of credit limit).
Yes, but how it works depends on the lender, the timing of your tradeline purchase, and your personal credit history. If most of the tradelines on your credit report are AU tradelines, lenders may exclude them from consideration. If you apply for a mortgage before your tradeline appears on your report (or after it disappears), the tradeline won't have any effect at all. Make sure you understand how your lender evaluates creditworthiness before purchasing multiple tradelines.
For a simple credit application, one high-quality tradeline may be all you need to reach your financial goals. For a major loan, like a mortgage, we recommend purchasing up to three seasoned tradelines. Purchasing more than three tradelines is not recommended, as it makes lenders more likely to exclude them from the credit approval process. Contact us if you'd like assistance with selecting the right tradelines.
Yes, you may extend an AU period for a fee if you contact us within 30 days of the expiration date. If you're removed from an AU slot, the account information will cease to update on your credit report and may disappear from your report or report as closed.
An AU tradeline will not help if you have a history of late payments or defaults. It also won't help if the tradeline has a high utilization or if your lender disregards AU tradelines when determining creditworthiness. Furthermore, if the tradeline is too new meaning it only has 1 year of payment history. Be sure to understand the risks associated with AU tradelines before making your purchase.