Frequently Asked Questions

What are tradelines?

Tradelines are credit accounts on your credit report, such as credit cards or loans, that provide information about your credit history and payment habits. Within the context of buying and selling tradelines, those accounts are in good standing with a high cap and low utilization ratio. Learn More →

How can tradelines benefit me?

Adding positive tradelines with a strong credit history and payment track record to your credit report can potentially increase your credit score and improve your creditworthiness, making it easier to qualify for loans and obtain better interest rates.

Can I buy tradelines to boost my credit score?

Yes, you can purchase tradelines from reputable companies that sell authorized user spots on credit accounts. By being added as an authorized user, you may benefit from the positive credit history associated with the tradeline.

Is buying tradelines ethical?

Many individuals view it as a legitimate strategy to enhance their credit profile. When conducted responsibly and in compliance with regulations, purchasing tradelines can provide opportunities for credit improvement and financial growth.

Is buying tradelines legal?

Buying and selling tradelines is legal. However, it’s essential to ensure that you work with reputable companies and follow all relevant laws and regulations governing the use of tradelines.

How much can my credit score increase by adding tradelines?

The impact on your credit score will vary depending on several factors, such as the quality and age of the tradeline, your overall credit history, and any negative items on your credit report. While there is no guarantee, adding positive tradelines can potentially result in a significant score increase.

How long will the tradelines stay on my credit report?

The duration that tradelines remain on your credit report depends on various factors, including the credit bureau reporting policies and the individual tradeline’s status. Generally, our tradelines stay on your account for two months (two billing cycles). For this reason, the tradeline strategy is best used strategically and for the short term.

Are there any risks associated with buying tradelines?

While buying tradelines can have potential benefits, there are some risks involved. Always work with a reputable company and consult your financial advisor if you want to get into tradelines.

How much do tradelines cost?

The cost of tradelines can vary depending on factors such as the quality, age, and credit limit of the tradeline. Prices can range from a few hundred to several thousand dollars per tradeline.

Do you offer tradelines for businesses?

We do not. Unfortunately, business credit scores are reported to an entirely different scoring company. Buying our personal tradelines will only impact your personal credit score.

How do you combat fraud?

We verify our tradeline partners at many different steps in the process of bringing them onboard. This ensures that you get a reliable, trustworthy tradeline to add to your credit report.

How do you store my information?

Industry standard practice is to only store your information for as long as we need it for the duration of your tradeline purchase. Data is stored securely in an encrypted format on our servers and is deleted after your tradeline cycles end.

What is your refund policy?

Industry standard practice is to offer complete refunds as long as you request one within the agreed upon contractual time period. FTC regulations apply to this entire process and we are dedicated to following those set rules.

Are there any eligibility requirements to buy tradelines?

Each tradeline provider may have their own eligibility criteria, but typically you need to have a minimum credit score and meet certain creditworthiness standards to purchase tradelines. The details of our eligibility criteria are listed in our Tradeline User Agreement.

Can I choose which tradelines to buy?

Yes, reputable tradeline companies often provide multiple options for you to select specific tradelines based on factors such as credit limit, age, and payment history.

How many tradelines should I purchase?

The number of tradelines you should purchase depends on your specific credit goals and financial situation. It’s advisable to consult with a credit professional who can provide personalized guidance based on your individual needs.

How long does it take for the tradeline to appear on my credit report?

The time it takes for the tradeline to appear on your credit report can vary, but it is generally within a few weeks to a couple of months.

Can I buy tradelines if I have no credit history?

It may be challenging to purchase tradelines if you have no credit history. Tradeline providers typically prefer individuals with established credit profiles to minimize risks.

Will being added as an authorized user affect the primary account holder’s credit?

As an authorized user, your credit-related activities do not impact the primary account holder’s credit. However, it is advisable to maintain responsible credit behavior to preserve the positive impact on your own credit.

Do I need to make payments on the tradeline I’m added to?

No, as an authorized user, you have no obligation to make payments on the tradeline.

Do I get a card for the account I’m an authorized user on?

No; as an authorized user, you are only benefiting from that tradeline’s history, limit, and utility being considered in a credit pull on your account.

Do tradelines expire?

Tradelines generally have expiration dates, and the length of time they remain on your credit report can vary. It’s important to inquire about the duration of the tradeline before purchasing.

Will buying tradelines guarantee loan approvals?

While adding positive tradelines can strengthen your creditworthiness, loan approvals are determined by various factors, including income, debt-to-income ratio, and the lender’s specific criteria. Tradelines alone cannot guarantee loan approvals, but they can help.

Can I sell my own tradelines?

If you have well-established credit accounts, you may explore opportunities to sell your tradelines.

Can buying tradelines help me qualify for better interest rates?

Improving your credit profile by adding positive tradelines can potentially make you more attractive to lenders, increasing the likelihood of obtaining better interest rates and loan terms. However, interest rates will also depend on other factors like market conditions and the specific lender’s policies.

Still Have Questions?

Don’t hesitate to reach out to us anytime.