Frequently Asked Questions

In the broadest sense, a tradeline is any account that appears on your credit report. Different types of tradelines include mortgages, auto loans, student loans, furniture loans, jewelry loans, installment loans, and of course, credit cards of all types.

However, if you made it to our website, you may be interested in purchasing tradelines, and that is something a little more specific than this broad definition listed above.

We sell authorized user tradelines, which means you can pay to become an authorized user on someone else’s credit card. This account will then appear on your credit report showing your authorized user status.

When purchasing authorized user tradelines, when you get added to the credit card as an authorized user, it does not show on your credit report when you were added. Rather, the entire history of the account is reflected in your credit report, with some exceptions depending on the bank.

For example, if an authorized user is added to a credit card that is 20 years old, it will simply appear as a 20-year-old credit card that this person has on their credit report with an authorized user status. Therefore, the credit scoring algorithms often just assume this person has been on this card for 20 years. If the tradeline has a perfect payment history, that is a nice thing to have in your credit report.

Also, while there may be several different utilization ratios at play in the secret credit score algorithm, an authorized user tradeline can play a factor in the overall utilization ratio.

The truth is that since the credit scoring algorithms are secrets, no one knows exactly how it works. There are a lot of inferences, correlations, and speculation that has taken place to try to understand the way credit scores work.

In short, you only want to add tradelines that are superior in age and credit limit to what you currently have in your credit report.

If you currently have high utilization, higher-limit tradelines may help with your overall utilization ratios.

You should also know what your average age of accounts currently is. You only want to add tradelines that can increase your average age of accounts in a meaningful way. We have a Tradeline Calculator to help you calculate these ratios quickly and easily.

While we do not offer any guarantees on specific results, we do guarantee that your tradelines will report on your credit report. Since everyone’s credit report is so unique, it is up to you to use the knowledge and tools we provide so that you can determine which tradelines would be best for you.

For more information on how to choose the best tradelines for your credit file, see our Tradeline Buyer’s Guide.