Frequently Asked Questions
A tradeline is any consumer’s credit account status and activity – for example, a credit card account or auto loan. Tradeline information includes names of companies where the applicant has accounts, the date that the accounts were opened, credit limits, accounts types, balances owed, and payment histories.
Authorized user tradelines are typically revolving lines of credit on which a primary cardholder with excellent credit adds someone as an authorized user or joint account holder. The tradeline then appears on the authorized user’s credit report. This action alone causes the entire history of the account to be reported as a tradeline on the (clients) credit report. The primary cardholder’s excellent credit history allows the authorized user to benefit and see an improvement to their Fico score.
Adding an authorized user is legal. The process is explained the primary cardholder’s credit card agreement.
1. There are no laws prohibiting the purchase of authorized user slots.
2. Credit repair attempts are not potential criminal activities.
3. Using authorized user tradelines is a widespread, recognized, and accepted practice in the credit industry.
No, the authorized user is never given access to the primary cardholders credit card information. The primary cardholder does not need to share any personal or confidential data with the client (s).
Authorized users can only be added to credit cards and department store cards.
Please allow up to 7-10 days after the statement date for the tradelines to post or appear on your credit report. Some credit monitoring sites like Privacyguard.com, CreditCheckTotal.com or Experian.com might require a soft inquiry.
Our authorized user tradelines are good for 3 months. If you need a tradeline for a longer period of time, you may request an extension for an additional fee. Extensions are good for situations such as business funding, pre-approval or closing mortgages, or growing and rebuilding your credit score. We ask that you notify us via email 30 days prior to your tradeline expiration date.
No, the primary cardholder does not provide a card to the authorized user/client.
Requirements vary however, credit card companies usually request the authorized user’s Full name, Social Security number, date of birth, and current mailing address.
We update our website after each transaction to ensure that clients view and order the most current inventory. We also update and load new tradelines monthly and typically we load the new lines for the next month on the 3rd weekend of the month.
Tradelines vary on how effective they can impact a clients score. There are various factors that help determine an increase. For best practices please make sure that your credit has been repaired prior to adding tradelines. Derogatory items, such as collections and late payments will need to be removed first to see the best increase to your score. We've seen tradelines increase clients score from no score to 720, or clients receiving 60-100 point increases. When shopping for a tradeline the "age of the account" column also known as "credit history" is important the older tradeline you select the better the increase.
If your interested in becoming a card holder and earning money part-time please contact us. Please provide us an email with the Lender, the month and year your account was open, the credit limit and the number of slots you would like to sell. We also would like you to provide a screen shot/ or credit report of the actually account as proof that its in good standing and to verify the account. Please email us at [email protected]
The number of tradelines needed are based on case by case and depends on your overall goal and condition of credit. If you have a light credit profile you may benefits by purchasing 2-3 tradelines. To give you a better understanding of how many you will need contact us and we can assist you.
Prices vary for different tradelines because of their Credit Limit and Age. This is because a Tradeline with a lower limit or younger age will not have as big of an impact as line with older age.
A “Special Address” is simply a mailing address that you must temporarily use in place of your own to get tradelines from certain banks to post to your credit report. There are two ways to post these lines. You can either initiate a “hard pull” or "Soft pull" on your credit monitoring account such as Experian.com, creditchecktotal.com or Privacyguard.com.
We get asked this question all the time. The responsibility of the AU/Tradeline to post to the bureau is solely up to the lender/bank. We can not control that process. However, certain lenders normally post to all 3, while some post to 2/3. Equifax is usually one that some tradeline may not post to. Again, we can't control that part. You can still qualify for a home, car, credit card with tradelines that post to 2/3 bureau's.
**We will provide additional steps to help posting but can't guarantee that all tradelines will hit all three bureaus**
We accepts payments through Apple pay, Zelle and deposits through our business bank with Chase and Well Fargo. We do not accept payments through PayPal, Cash App, Venmo, or Walmart-to Walmart. For payment instructions please place your order and then you will be directed to how to make your payment through our services. You may also see our methods of payment at the footer (bottom) of our website.
We are open Monday through Friday 10AM-7 PM (Central Standard Time) and closed for the weekend. If we do not answer please leave send a text to 469-610-5147. **Please be mindful of the quiet hours and avoid calling outside of our normal business hours.
Tradelines are not recommended to clients whom have several negative/derogatory items, collections, late payments. Tradelines are most effective when the credit is clear from negative items to see greatest increase to your FICO score. If you need assistance please contact a Credit Repair agency to remove items before purchasing tradelines.
If you have a "Thin File" meaning that you do not have any open credit cards accounts on your credit report. This can effect the ability of your tradeline to post effectively.
No, the price on the website is for the cost of the tradeline for 3 months. Your 3 months start when the Tradelines is reflected on your credit report and time does not start when you purchase it.