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A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report. Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline.
The type of tradelines that we provide is Authorized User trad
A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report. Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline.
The type of tradelines that we provide is Authorized User tradelines, with perfect payment history, low utilization (under 30% unless otherwise noted) and perfect payment history. We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. FICO® digests this newly added credit and recalculates your score with drastic improvements.
An increased credit score will allow you to secure better interest and approval rates on credit cards, car loans, and mortgages. It also impacts your car insurance rate, the ability to rent an apartment, put utilities in your name without a down payment, or personally guarantee your own business. Also certain professions/employers require
An increased credit score will allow you to secure better interest and approval rates on credit cards, car loans, and mortgages. It also impacts your car insurance rate, the ability to rent an apartment, put utilities in your name without a down payment, or personally guarantee your own business. Also certain professions/employers require a certain credit rating for employment. Having a higher credit score means more approvals and lower monthly payments, hands down.
We stick to a few rules of thumb when selecting tradelines:
Higher limits and older aged tradelines correlate to bigger credit score increases.
Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).
If you have nothing on your credit file, you must select something at least 6 months old to generate
We stick to a few rules of thumb when selecting tradelines:
Higher limits and older aged tradelines correlate to bigger credit score increases.
Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).
If you have nothing on your credit file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.
The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.
All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.
If you have negative items on your credit report, this can offset the boost that you could get. You may need to have a credit sweep, which we provide, in order to get the maximum boost possible from tradeline(s). Tradelines are not a band-aid, they are an enhancement.
****Lines with SSN Only Require Docs
2020 Citi/ Home Depot $500 (5th)
2022 Chase/ Hyatt $5000 (6th)
2022 PNC $10000 (6th)
2022 BLOOM/Citi $500 (7th)
2022 Nordstrom $1,300 (8th)
2022 Target $2,200 (22nd)
2022 Macys $1,200 (23rd)
2022 Dillards/Amex $3500 (23rd)
2022 Amex/Macys $1,400 (23rd)
2021 PNC $5,200 (24th)
2022 Target $1,500 (26rd)
2019 Synchrony Marvel $2,750 OM
2019 Regions $10,600 - OM
2020 Fifth Third Bank $8,000 OM
2012 Cap 1 $500 ( 8th)
2022 SW Chase $10,000 (12th)
2017 Amazon/Chase $1100 (13th)
2011 Cap 1 $750 (13th)
2017 Cap 1/Menard $650 (18th)
2013 Kohls $1,500 (21st)
2022 Cap 1 Teamsters $2000 (24th)
2018 Cap1/Saks $1750 (25th)
2022 Wells Fargo $2500 (27th)
2022 CBNA/Wayfair $4000 (26th)
2022 CBNA/American Air $3000 (7th)
2018 AMEX - $2,500 (13th)
2022 GOLD SACHS-$4,500 (14th)
2022 Cap 1 - $5,000 (21st)
2021 Truist-$6,500 (22nd)
2022 Amex $1000 (25th)
2006 Cap 1 $5,700 (2nd)
2000 DISCOVER BANK $13,000 (6th)
2004 Cap 1 $5,350 7th
2007 Amex/CBNA -$11,600 (9th)
2004 Cap 1 $5,350 (10th)
2008 Sync/PC Rich - $4,500 (11th)
2018 Goodyear/CBNA $2,500 (19th)
2000 Sears/CBNA $7,100 (20nd)
2000 Chase $7,100 (25th)
2000 Macys $10,000 (30th)
2021 Marshall $400 (2nd)
2022 Marcu/Gold Sachs $2K (8th)
2022 Discover $1400 (9th)
2021 Sams $400 (9th)
2022 AMEX/Macys - $5,000 (13th)
2022 TARGET $600 13th
2022 JPMCB CARD 14th
2016 Cap 1 $1000 (17th)
2022 CITIBANK $2000 $23rd
2022 Sams $400 (23rd)
2023 CITIZENS $500 -23rd
2023 PNC - $10,500 13th
2023 TRUIST $10,500 13th
2023 Bloom $1,200
2019 Citi HD $30,000 (5th) SOLD
2017 Citi $10,000 (9th) SOLD
2019 Citi $20,000 (11th) SOLD
2017 Citi HD $20,000 (11th) SOLD
2012 Citi $5,000 (16th)
2019 Citi $12,100 (16th
2019 Citi $20,000 (19th)
2014 Citi $4,290 (12th) SOLD
2017 Citi HD $15,000(15th)SOLD
2019 Citi Macy's $10,400 16th
2018 Barclaycard $40,800 (2nd)
2018 Barclaycard $21,500 (3rd)
2017 Barclaycard $20,800 (3rd)
2018 Barclaycard $18,000 (5th)
2017 Barclaycard $28,450 (11th)
2018 Barclaycard $28,900 (16th)
2018 Barclaycard $41,400 (16th)
2014 Cap One $11,000 (1st) SOLD
2019 Cap One $13,000 (4th) SOLD
2014 Cap One $11,000 (5th) SOLD
2007 Cap One $14,000 (6th) SOLD
2016 Cap One $16,000 (8th) SOLD
2019 Cap One $10,000 (14th) SOLD
2017 Cap One $2,000 (15th) SOLD
2018 Cap One $7,400 (14th)SOLD
2017 Cap One $17,500 (16th) SOLD
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