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.
2018 Barclaycard $40,800 (2nd)
2019 Barclaycard $24,400 (2nd)
2018 Barclaycard $21,500 (3rd)
2018 Barclaycard $35,500 (3rd)
2019 Barclaycard $21,500 (3rd)
2017 Barclaycard $20,800 (3rd)
2018 Barclaycard $18,000 (5th)
2017 Barclaycard $28,450 (11th)
2019 Barclaycard $30,500 (15th)
2018 Barclaycard $28,900 (16th)
2018 Barclaycard $41,400 (16th)
2018 Barclaycard $39,000 (18th)
2019 Barclaycard $40,700 (18th)
2013 Citi $8,300 (7th)
2017 Citi $5,000 (10th)
2014 Citi $5,000 (12th)
2012 Citi BOT $10,000 (12th)
2014 Chase $7,600 (3rd)
2018 Chase $3,200 (10th)
2019 Cap One $15,000 (2nd)
2008 Cap One $30,000 (5th) $400
2014 Cap One $8,500 (6th)
2006 Cap One $6,250 (6th) $325
2007 Cap One $14,000 (6th) $400
2017 Cap One $3,800 (10th)
2008 Cap One $2,500 (12th) $325
2018 Synchrony $10,000 (2nd) $300
2018 Synchrony $10,000 (3rd) $300
2018 Synchrony $10,000 (3rd) $300
2019 Synchrony $10,000 (8th) $300
2018 Synchrony $10,000 (10th) $300
2000 Synchrony $10,000 (12th)
2000 Synchrony $3,000 (20th)
2019 Synchrony $10,000 (20th) $300
2018 Synchrony $10,000 (21st) $300
****Lines with SSN Only Require Docs
2018 Credit One $1500
2020 Amex/Macys $8,000
2020 Citi/Best Buy $3,000
2020 Citi/ Home Depot $500
2020 TBOM - $750
2020 Wells Fargo $2,700
2020 Toyota Visa - $1,500
2019 Synchrony Marvel $2,750 -$250
2019 Regions $10,600 - 16th***$250
2018 American Air/Citi $2,300 (9th) 2017 Menards /Cap One $500 (12th)
2019 Home Depot $500 (12th)
2020 PayPal $1,500 (14th)
2010 Americ Air/Citi $10K(14th)$400
2020 Lucky Brand $250 (14th)
2018 Rakuten/ Synch $1,250 (17th)
2007 Americ Air/Citi $15.5K(19th)$400
2018 Asks Fifth/Cap One $750 (23rd)
2017 Nordstrom/TD Bank $300 (30th)
2014 Menards/Cap One $1,000 (30th)
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