Tradeline Services
Add Established Credit History to Your Profile Today.
Authorized user tradelines let you piggyback on accounts with years of perfect payment history, instantly strengthening the depth and age of your credit profile.
What Are Tradelines?
A tradeline is any account that appears on your credit report. When you are added as an authorized user on a seasoned credit card with years of on-time payments, that account's age and payment history are reported to your profile.
This can increase your average account age, improve your credit utilization ratio, and add positive payment history — three of the most important factors in your credit score. The process is legal, well-established, and used by thousands of consumers and businesses every year.
Who Benefits from Tradelines?
Whether you are building, rebuilding, or preparing for a major financial move, tradelines can help.
Personal Credit Building
If you have a thin credit file or limited history, tradelines add account depth and age that lenders look for when evaluating your creditworthiness.
Business Credit Building
A strong personal credit profile is often required for business lending. Tradelines help you meet the personal guarantee thresholds many lenders require.
Funding Preparation
Preparing to apply for a mortgage, auto loan, or business line of credit? Tradelines can give your profile the boost it needs before you submit an application.
Tradeline Options
Pricing is based on the age of the tradeline. Older accounts carry more weight with the bureaus.
Starter
- 1-2 year account age
- Perfect payment history
- Credit limits vary by account
- Reports to all three bureaus
- Ideal for thin credit files
Professional
- 3-5 year account age
- Perfect payment history
- Credit limits vary by account
- Reports to all three bureaus
- Best value for score improvement
Premium
- 7+ year account age
- Perfect payment history
- Credit limits vary by account
- Reports to all three bureaus
- Maximum impact for funding prep
Request Tradelines
Fill out the form below and a specialist will reach out within one business day with options tailored to your goals.
Your information is kept strictly confidential and will only be used to process your tradeline request. We will never share or sell your data.