$500
2-3 Years History
Up to $5,000 Limit
✔ Ideal for credit card or rental applications
$750
3-5 Years History
Up to $7.500 Limit
✔ Helps with higher loan and credit card approvals
$1,000
4-5 Years History
Up to $10,000 Limit
✔ Best for mortgage, auto loan, and business funding approval
$1,500
4-5 Years History
Up to $15,000 Limit
✔ Helps with high-limit credit cards & business loans
A tradeline is simply an account on your credit report. When you’re added as an
authorized user to an established credit card with a strong payment history, you temporarily "inherit" that credit card's age and positive history, which can increase your score quickly.
💡Important: Tradelines are a temporary solution designed for those who need a short-term credit boost to qualify for a mortgage, car loan, or credit card. Once removed from the account, your score may adjust accordingly.
Those who need a credit boost for a specific upcoming approval
(home, car, loan, etc.)
People with little or no credit history and need a jumpstart to improve credit mix and utilization
People looking for a long-term credit solution (consider credit repair instead)
Those who have major negative items affecting their score
If you still have negative items on your credit report, a tradeline may not be the best first step. If you are in our credit repair program, we recommend speaking with one of our credit experts first to see if credit repair would be a better solution for you.
A tradeline typically stays on your credit report for 30-60 days after removal. The impact depends on your overall credit profile and what other accounts are present. It’s ideal for short-term goals like getting approved for a mortgage, auto loan, or credit card.
No, you will be added as an authorized user for reporting purposes only. You will not receive a physical card or be able to make purchases on the account.
The best tradeline for you depends on your credit history, goals, and the approval you’re trying to get. If you're unsure, our team can help you pick the right one based on what will have the biggest impact on your score.
For only $1, you can take the first step toward better credit. Get started today and: