Inject established, low-utilization Authorized User lines directly onto your credit reports to lower debt-to-credit ratios and boost your score fast.
WATCH: How Tradelines Work & How to Choose the Right Package for Your Credit Goals
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Tradelines target two of the largest components of your FICO score calculation:
Adding a card open for 5 to 10+ years instantly increases your Average Age of Accounts (AAOA). This builds immediate depth on thin credit files and shows lenders a long, uninterrupted history of on-time payments.
Young credit files (<3 years) or profiles preparing for auto loans and mortgages.
Adding a high-limit card ($15k–$30k+) dilutes your aggregate revolving utilization ratio overnight. It also establishes comparable credit history, signaling to lenders that you are qualified for high-limit approvals.
Profiles carrying card balances or prepping for high-limit funding.
Three steps from selection to a posted, score-boosting line on all three bureaus.
Choose the target credit limit and history age that matches your score goal.
We instantly pair your profile with an active, perfectly managed card from our verified inventory network.
Your line reports to Equifax, Experian, and TransUnion on the upcoming statement date — boosting your score and average age of credit.
Select the limit and history age that matches your score goal. We source lines dynamically from our verified inventory — no manual sales call required.
Best for: Building initial history or fixing high utilization on small balances.
Best for: Significant score boosts, lowering overall utilization, and auto loan prep.
Best for: Maximize credit age, business funding prep, and high-tier credit profiles.
All packages report to Equifax, Experian, and TransUnion. Lines post on the upcoming statement date.
A few conditions must be met for your tradeline to post successfully. Review these before selecting a package.
TransUnion, Equifax, and Experian must all be unfrozen before assignment so the line can post.
Tradelines do NOT remove negative items, late payments, or collections. Credit repair must be completed first.
Personal information (SSN, DOB, Full Name, Address) must match your credit monitoring profile exactly.
Select your package, confirm your identity, and pay — all on one page. Documents are collected securely after purchase. Your information is encrypted and used only to assign and post your line.
Selected package auto-populates directly into your secure checkout below.
Everything you need to know before selecting your tradeline package.
Choose your tier, complete a secure self-service checkout, and we'll pair your profile with an active, perfectly managed line — no sales call required.