Purchase A Tradeline

What is a tradeline?

A credit tradeline is simply an appearance on your credit report of an account you've established with a lender. Credit card accounts, personal loans, and mortgages are all examples of a tradeline that would appear on a credit report. Each tradeline includes detailed information about that account, including payment history, both positive and negative. You can mutually benefit from someone with positive credit history and improve your credit score. It’s best to only purchase a tradeline when you’re ready to apply for stuff as tradelines usually fall off within 30-60 days although some may still stay on your credit history (which can still help you with approvals).

Is a tradeline legal?

Yes! Tradelines work by you being added as an authorized user onto someone's credit card. You do not have access to to the actual card but you do reap the benefits of having it. Factors such as credit limit, credit utilization, payment history, and how long it has been opened determines how much it would improve your score. The longer it has been open, the better it will positively enhance your credit profile.

Seasoned tradelines are considered to be the best tradeline. It can significantly affect your credit score because of its credit history. A report by Finance Monthly states that purchasing 2-3 seasoned tradelines can help increase your credit score by 720-850 in just one month.

Do I need a tradeline?

It is best to get a tradeline if your score isn’t the best & you just need a boost to get approved for something such as high limit credit cards, car, apartment, loan, etc. The right tradeline for you will increase your score making your chances of getting approved really high. If you only have 1 item on your credit report or your score is between 500-600 & you are looking to get approved for a car, you should add a tradeline before you apply so that your credit score can atleast be in the 700’s when you apply so you can get approvals. Tradelines aren’t good for you if you had bad credit with negative items on it such as late payments, repos, collections,etc as the tradeline will only boost the score it’s self but you may still get declined on applications because of these negative items. I’d recommend getting credit repair first.

Since creditors look at tradelines to determine if you are creditworthy, adding positive tradelines (credit accounts with good repayment history) to your credit report can be very useful in helping you obtain credit.

✅The older the tradeline, the better

✅The tradeline utilization being under 10%

✅Good on time payment history

✅High credit limit

-You want to get a tradeline that makes sense… for example, if you are 21 years old you do not want to get a tradeline that has been open for 10 years because you would’ve been 11 years old at the time it was opened and creditors will see that and look at it as inaccurate. It’s best to get one that has been opened since the time you would’ve been 18 years old… so if you’re 21, it’s best to get one that has been open for about 3 years.

-Tradelines will only post if the information you submit is completely accurate and matches the info on your credit profile. Inaccurate information can lead to your tradeline not posting.

-Make sure you have an Experian or credit monitoring account before adding a tradeline.

-A tradeline will not post to a blank profile. Yu need to atleast have inquiries or atleast 1 credit account on your profile for it to post properly.

****Any non-posting tradelines due to inaccurate or incomplete information will not be refunded nor replaced. ****

  Tradelines usually post for 30 days and take anywhere from 4 to 14 days after the statement date to post. However we cannot guarantee that they will last that long and can only guarantee that they will be added. We are no longer guaranteeing posting, only that they will be added because a lot more factors that is out of our control dictate whether a tradeline reports or not. So the only occasion where a tradeline will be replaced is if we cannot provide you a screenshot as proof that you were added. We can provide you proof that you were added and can also provide you instructions on how to get the Tradeline to post after we add you. If all troubleshooting is done and Tradeline still does not post there is no further assistance we can provide, unfortunately.

                         IMPORTANT!

  Why we can’t  guarantee all 3 bureaus?!
 Tradelines post by matching the information you provide - with what exists on your credit file. 

 So when a tradeline posts, it means the information matched successfully.  If a tradeline posts to one bureau but not the others, the issue is with the information on your credit report, and not the Tradeline itself. ( if the problem were with the Tradeline - it wouldn't post at all )
 If this is ever the case, we advise you seek credit repair services as that is a telltale sign your 3 reports lack congruency and is, therefore, out of our control.