Tradelines
Authorized user tradelines to boost your credit profile faster, diversify your credit mix and open more doors.
A faster way to build positive credit history
A tradeline is simply an account that appears on your credit report. When you're added as an authorized user on a well-established account with a strong payment history and low utilization, that positive history can reflect on your own report.
We help match you with tradelines that fit your goals, walk you through exactly how the process works, and time everything around your reporting cycle so you see the impact as quickly as possible.
How our tradeline process works
Credit Review
We start by reviewing your current file to see where a tradeline will actually move the needle.
Tradeline Matching
You’re matched with seasoned, low-utilization tradelines suited to your profile and goals.
Fast Reporting
Most tradelines report within 1-2 billing cycles, so you’re not waiting months to see it reflected.
Utilization Support
Adding the right tradeline can lower your overall utilization ratio, one of the biggest score factors.
Request Your Free Tradelines Consultation
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Frequently asked questions
A tradeline is a credit account on your report. Authorized user tradelines can help build payment history and lower your utilization. We’ll walk you through whether it’s a fit during your consultation.
Most tradelines report within 1-2 billing cycles after being added, though timing can vary by the card issuer.
Yes. Tradeline activity is generally reported to Equifax, Experian, and TransUnion, though individual furnishers can vary.
Yes. We only work with seasoned, low-utilization tradelines and walk you through exactly how the process works before you commit to anything.
Pricing depends on the age, limit, and utilization of the tradeline you're matched with. We'll go over exact options and pricing during your consultation.