Add real historyto your credit —no false promises.
Real credit lines, with years of on-time payments, added to your report. We show you exactly what you get, before you pay.
- 900+lines live
- 6major banks
- 2 of 3credit bureaus
posts toTransUnion · Equifax
Posts on the next listed reporting period · 2 billing cycles as authorized user · 2 of 3 bureaus · No late payments in the history · Utilization 15% or less
What is a tradeline?
- 2
- billing cycles as authorized user
- 2 of 3
- bureaus it reports to
- ≤15%
- utilization while you're in
Available catalog
Real inventory, synced with our supplier.
Loading live catalog…
What actually changes in your file.
Pick one of these sample lines. This is the arithmetic a bureau sees: one more account, its age, its limit. None of this is a score prediction — we don't do that.
- Oldest account in the file
Before: 2020After: 2006- Average age of accounts
Before: 3.3 yrsAfter: 7.5 yrs- Total available credit
Before: $4,300After: $79,300
Opened 2006 · 0 late payments
- Capital One•••• 4417$1,5002020
- Discover•••• 9082$1,8002023
- Chase•••• 3351$1,0002024
The three existing accounts are illustrative and the lines in the picker are samples, not a reservation. The effect on any score depends on your full profile and is not promised.
How the process works
- Paso 01
Select your tradeline
Filter the catalog by limit, age, and price. Click "Reserve" on the tradeline you're interested in.
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We confirm availability
Within 24 hours we confirm the tradeline is still available and send you the customer contract + secure payment link.
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Sign and pay
You digitally sign the Tradeline User Agreement and pay via electronic check. Important: credit cards are not accepted for the final transaction.
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The tradeline posts
On the tradeline's next Reporting Period, it posts to 2 of 3 bureaus. You maintain Authorized User status for 2 billing cycles, then you are removed.
What to expect
A tradeline adds a real account's years of on-time payment history to your report. Here's exactly what we do — and what we don't — before you pay.
What we guarantee
If you purchase before the tradeline's "purchase deadline," it posts on the next listed Reporting Period.
You maintain Authorized User status for 2 billing cycles.
The tradeline posts to 2 of 3 bureaus (TransUnion, Equifax, Experian).
No late payments reported in the tradeline's history.
Credit utilization 15% or less during your time as AU.
What we DO NOT guarantee
We do not guarantee positive results on your credit score. You may gain points, none, or even drop — it depends on your full profile.
We do not guarantee access to loans, new credit, or cards. Tradeline usage is just one variable.
We don't answer 'how many points will I gain' because it would be guessing. We don't make score predictions.
We do not guarantee results beyond the tradeline posting.
The tradeline WILL NOT post if you have active fraud alerts or credit freezes. You must remove them before purchasing.
Required documents at checkout
Information needed to process your order.
Authorized User's Driver's License (color photo)
Authorized User's Social Security Card
Billing Party's Driver's License (if different from the AU)
Payment method: Electronic Check only (no credit cards accepted)
We do not sell tradelines to Georgia residents. This restriction is provider policy and cannot be changed.
Frequently asked questions
The tradeline reports for 2 billing cycles of the Credit Partner (typically 2 calendar months). After that you are removed as Authorized User. Some bureaus may keep the reported history longer on your report, but that depends on the bureau, not us.
If the tradeline doesn't post to 2 of 3 bureaus within the expected Reporting Period, you're entitled to a full refund. You must request the refund in writing within 21 days, provide proof (CreditKarma.com account), and we process the refund in 10 days.
To add you as Authorized User on the Credit Partner's account. Card issuers require verifiable identity information. Your information is used ONLY for that purpose and is not shared with third parties except those necessary to process your order.
Yes, completely legal. Authorized User tradelines are a mechanism established by card issuers (Visa, MasterCard, AmEx, etc.) to allow third parties to use a credit line with the holder's consent. What we do is facilitate connections between Credit Partners (holders) and Authorized Users (you).
There is inherent risk in being added as an Authorized User on third-party accounts. Card issuers may initiate fraud investigations if they detect unusual patterns. It's important you understand this risk before purchasing — it's covered in the Tradeline User Agreement you'll sign.
Provider policy. Credit cards are not accepted because chargebacks would complicate the fraud monitoring process of issuers. Payment via ACH/Electronic Check is direct and verifiable.
Yes. Multiple tradelines accelerate your credit history building. However, all risks and terms apply individually to each tradeline. We recommend starting with 1-2 before purchasing more.
Honestly, no in most cases. Authorized User tradelines require SSN for issuers to add you to the account. If you have ITIN, consider our other services: credit repair or business credit building.
Ready to see personalized options?
Start with a free consultation. We answer questions before purchase.