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Tradelines FAQs

What Are Tradelines & How do tradelines work

What Are Tradelines & How do tradelines work

What Are Tradelines & How do tradelines work

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.

Effects of Tradelines

What Are Tradelines & How do tradelines work

What Are Tradelines & How do tradelines work

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.

How do I pick the best tradelines?

What Are Tradelines & How do tradelines work

How do I pick the best tradelines?

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.

TRADELINES/ PRICE LIST

MIXED TRADELINES

****Lines with SSN Only Require Docs

$250 +

2022 Chase/ Hyatt $5000 (2nd)

2021 Wings $5,000

2020 Citi/ Home Depot $500 (5th)

2022 PNC $10000 (6th)

2013 Kohl’s $300 (7th)  $300 OM

2018 Cap One $750 (8th)

2019 Synchrony Marvel $2,750 OM

2019 Regions $10,600 - 16th

2021 Cap One $1000 (17th)

2020 Fifth Third Bank $8,000 OM 

2022 Target $2,200 (22nd)

2022 Sofi $1000 (23rd)

2022 Macys/Amex $1500 (23rd)

2022 Dillards/Amex $3500 (23rd)

2022 Macys $1200 (23rd)

2022 Target $1,500 (23rd)

2021 PNC $5,200 (24th)

$250+

2021 Kemba $9,800  (1st)

2021 PenFed $10,000 (2nd)

2022 Huntington Mastercard (3rd)

2022 Wells Fargo $6,000 (3rd)

2012 Cap 1 $500  ( 8th)

2021 Fifth 3rd  $3000  (11th)

2021 Fifth 3rd  $5000  (12th)

2022 SW Chase $10,600 (12th)

2017 Amazon/Chase $500 (13th)

2011 Cap 1 $750  (13th)

2022 First Service $10,000 (16th)

2017 Cap 1/Menard $650 (18th)

2013 Kohls $300 (21st)

2022 Cap 1 Teamsters $2000 (24th)

2018 Cap1/Saks $1750  (25th)

2022 Wells Fargo $2500 (27th)

2022 CBNA $4000 (28th


$250+

2014 Menards/Cap 1- $2,500 (3rd)

2018 AMEX-$1,000 (13th)

2022 JPMB $10,600 (15th)

2018 SYNCB/Rakuten-$400  (17th)

2021 Cap 1 (Walmart)- $3K (22nd) 

2021 Truist-$6,500   (24th) 

2022 First Service $10,000 

2022 Cap One Teamsters $2000

2022 Citi/Wayfair  $4000 (26th)

2022 BMI Visa $5000 (26th)

2022 Wells Fargo $2500 (27th)

2022 Cap 1 Union Plus $500 (27th)

Aged Lines

$300+

2006 Cap 1 $5,700 (2nd)

2000 DISCOVER BANK $13,000 (6th) 

2004 Cap 1 $5,350 7th

2007 Amex/DSNB -$6,500  (9th)

2004 Cap 1  $5,350  (10th)

2008 SYNCB/ PC Rich $4,500 (11th)

2018 Goodyear/CBNA $2,500 (19th)

2000 Sears/CBNA $3,950 (22nd)

2000 Chase $5,100 (25th)

2000 Macys $10,000  Not Avail


Aged Lines

$300+

2022 CITIBANK $2000 -23rd

2022 AMEX/DSNB - $5,000 13th 2022 TARGETCREDIT $600 13th 

2022 JPMCB CARD 14th 

2016 Cap 1 $1000 21st

2022 CITIBANK $2000  $23rd



Age & Higher Limits

SOLD OUT

2019 Citi HD $30,000  (5th) 

2017 Citi $10,000 (9th) SOLD OUT

2014 Citi $4,290 (12th) SOLD OUT 

2017 Citi HD $15,000(15th)SOLD OUT

Not Available

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)       

Sold Out

2014 Cap One $11,000  (1st) 

2019 Cap One $13,000 (4th) 

2014 Cap One $11,000 (5th)

2007 Cap One $14,000 (6th)  

2014 Cap One $8,500 (6th) 

2006 Cap One $6,250 (9th)

2018 Cap One $7,400 (14th) 

2017 Cap One $17,500 (16th) 

2017 Cap One $10,000  (18th) 

2011 Cap One $2000 (25th)


SYNCHRONY 🔥🔥🔥🔥

Not Avaible


1994 Synchrony $10,000 (4th)  SOLD


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