Authorized user tradelines for personal and business credit. Limits from $1K to $100K. History as far back as 1975. Personal and business tradelines available. 25–100 point boosts. Temporary play — used precisely, it's one of the highest-leverage moves in credit building.
Tradelines are a temporary strategic play — accounts typically remain active on your report for 1–2 reporting cycles. No specific score increase can be predicted or guaranteed. Results vary based on your individual credit profile. Tradelines work best on files free from active derogatory marks. All tradelines are first come, first serve. Purchase at least 10 days before the reporting date — anything less than 7 days will most likely skip the cycle. If you are a personal user and unfamiliar with how tradelines work, we recommend speaking with a credit professional first. We can connect you with one →
One word professionals misuse constantly: "permanent." Tradelines are not permanent. They are a play. The question isn't whether to use them — it's whether you understand how to use them correctly.
Any credit card or loan is technically a "tradeline" — it's a line of credit appearing on a credit report. In the context of what we provide, a tradeline is specifically an authorized user (AU) account: an existing card with excellent payment history and low utilization that you're added to as an authorized user.
When you're added as an AU, the full history of that card — its age, its limit, its payment history — appears on your credit report. That data can move scores meaningfully and fast.
The value of a tradeline is simple math: if $500 positions you for $500,000 in value on the backend — a mortgage at better rates, a business loan approval, access to capital you'd otherwise be denied — that's the play.
This is a temporary boost, used precisely to cross a threshold. Buy the house, qualify for the loan, get the rate. Then the tradeline has done its job.
We offer both. Different profiles, different use cases, different impact. Select the right type for your situation on the questionnaire below.
Added to a personal credit card as an authorized user. The card's full history — age, limit, payment record — appears on your personal credit report. Best for positioning your personal credit file.
Added to a business credit account as an authorized user. Builds your business credit profile — separate from personal. Critical for entrepreneurs who want to access business funding without personal guarantees.
Five quick questions. We match available inventory to your profile and reach out directly with options, pricing, and next steps.
Required at time of purchase: Front and back of a valid government-issued photo ID and Social Security card. We'll explain why on the follow-up call. This protects everyone in the transaction.
We'll review your selections and follow up within 2 business days with available inventory matched to your needs, pricing, and next steps.
Questions? [email protected]
Six steps. No guesswork. Here's exactly what happens between your request and your tradeline posting on your report.
Fill out the questionnaire above. We review your selections and follow up within 2 business days with available inventory matched to your profile, goals, and timeline.
We send available options with full details: age, credit limit, utilization, reporting dates, and price. You confirm the right tradeline(s). Inventory is first come, first serve.
Front and back of your government-issued photo ID and Social Security card. Mandatory — this protects the tradeline from bank review complications. Required for every purchase, no exceptions.
CashApp, PayPal, Zelle, Apple Pay, and most payment methods accepted. Purchase at least 10 days before the reporting date. Under 7 days will likely skip the cycle.
We add you as an authorized user. Proof of addition via screenshots where available (note: Wells Fargo and some others don't provide AU screenshots). Order confirmation sent by email.
On the reporting date, pull all three bureaus. We guarantee posting to at least one. Full refund if it doesn't post to any bureau by the 7th day after the second reporting cycle.
The worst outcomes happen when expectations are wrong. Read these. The more you understand going in, the better the outcome.
All tradelines are FCFS. The list is updated at the end of every day there's a purchase. If someone purchases before you, you may need to wait or select a different tradeline.
Purchase at least 10 days before the reporting date. Less than 7 days before the reporting date and it will most likely skip the cycle — you'll wait an additional month. Plan ahead.
Tradelines typically post to all three bureaus. We guarantee posting to at least one. If it fails to post to any bureau by the 7th day after the second reporting cycle and we can't resolve it — full refund.
Front and back of a valid photo ID and Social Security card required for every purchase. If the bank requests documentation during a financial review, the tradeline can be lost without it. Non-negotiable.
AMEX tradelines show the date the AU was added, not the card's original open date — so they don't contribute account age. They pair well with a history-heavy card that does.
When the tradeline is removed (1–2 cycles), your score can dip — similar to closing a primary account. The account remains in credit history, but active reporting stops. Plan your use of the boost window accordingly.
We accept CashApp, PayPal, Zelle, Apple Pay, and most other payment methods. Ask about your preferred method if not listed.
If you're a credit building professional, it's your first time working with us, and you meet our criteria — we'll provide one free tradeline under $300 for one reporting period to establish the relationship. Subject to availability.
No specific point increase is predicted or guaranteed. Results vary. Tradelines work best on files free from active collections, recent charge-offs, or bankruptcies. Results may vary.
Eight categories. All the questions we get asked before, during, and after a purchase.
Yes. Adding someone as an authorized user to a credit card is completely legal — it's the same thing primary cardholders do for family members and employees. The credit bureaus and FICO recognize AU accounts as legitimate tradelines. The practice has been confirmed legal by the FTC.
Purchasing AU tradelines from a reputable provider is safe and legal. Risks come from low-quality providers who use high-utilization accounts or fail to add the AU at all. We use only 0–1% utilization accounts with spotless payment histories — and provide screenshot proof of addition where available. Our refund guarantee covers every purchase.
Yes. If the primary cardholder is making timely payments and keeping utilization low, the AU tradeline will boost FICO scores. If they miss a payment or spike utilization, your score will be negatively impacted. This is why we guarantee low utilization on every tradeline we offer.
No. Absolutely not. CPNs are not a legal alternative to SSNs for credit purposes. Using a CPN to apply for credit is fraud. We do not work with CPNs under any circumstances. Any provider offering this should be avoided entirely.
Any credit account on your report is technically a tradeline. In our context, a tradeline is an authorized user account — an existing card with an excellent payment history, high limit, and near-zero utilization that you're added to. That card's full history then appears on your report.
Typically: account age/open date, credit limit, payment history, current balance, and utilization rate. AMEX cards specifically show the AU add date, not the original open date — so they don't contribute account age. Plan accordingly.
Personal tradelines post to your personal credit report (Experian, Equifax, TransUnion). Business tradelines post to your business credit profile (Dun & Bradstreet, Experian Business, Equifax Business). They serve different purposes — personal for individual borrowing, business for company financing without personal guarantees.
Most post within the reporting date range listed. However, the process can sometimes take up to two months. Set this expectation before purchasing. The worst outcomes happen when people expect a tradeline to report within a week or two.
Once it posts, score impact can appear within a few days to two weeks. The tradeline may take up to two months to post in the first place. Best-case scenarios do happen (7-day posting) — but plan for longer and adjust expectations accordingly.
Usually yes — most post to Experian, Equifax, and TransUnion. We guarantee at least one bureau. Some card issuers don't report to all three, and AU postings can vary. We'll let you know the expected bureau behavior for any tradeline before purchase.
Most AU tradelines stay active for 1–2 reporting cycles. After removal, the account typically remains in credit history for a period — but may gradually be removed depending on the bureau and scoring model. We can't guarantee the exact duration.
Yes. An active credit freeze can prevent new tradeline data from posting to that bureau. Lift any freezes at all three bureaus before the reporting date. Fraud alerts typically don't block AU posting but can occasionally delay it.
Results vary by profile. General reference: 1–3 year cards at $1K–$10K limits typically add 25–50 points. 4+ year cards at $10K–$25K typically add 51–100 points. Higher limits and older history can push further. No specific increase is guaranteed — your existing profile determines the actual impact.
Our tradelines maintain 0–1% utilization at all times — so they will not hurt your utilization ratio. After the AU period ends and the card is removed, your score may dip — similar to closing a primary account. Prepare for this before the removal date.
Yes — FICO 2, 4, and 5 (used by most mortgage lenders) recognize AU tradelines. A meaningful score increase can move you from a denied tier to an approved tier, or from a higher to a lower interest rate — worth significant money over the life of a loan. That said, tradelines alone won't overcome other disqualifying factors like high DTI or recent derogatory marks.
Tradelines have limited or no impact when:
Fill out the questionnaire on this page. We'll follow up within 2 business days with available inventory matched to your profile, pricing, and next steps. Simple.
CashApp, PayPal, Zelle, Apple Pay, and most common payment methods. Ask on the call if you use something not listed — we're flexible.
At least 10 days before the reporting date. Fewer than 7 days and the tradeline will most likely skip that cycle — you'll wait an additional month. Always purchase with buffer time built in.
Most people need 1–2 well-matched tradelines. Adding more doesn't always compound — it depends on your profile. We'll assess what's needed on the follow-up and recommend the optimal number. 3+ makes sense for thin files or when stacking personal + business simultaneously.
First, confirm you're checking on or after the reporting date. Pull all three bureaus — it may have posted to one but not others yet. If it hasn't posted to any bureau by the 7th day after the second reporting cycle, contact us at [email protected]. We'll investigate. If we can't resolve it, full refund issued.
Yes, this can happen. Different issuers report to different bureau combinations, and timing varies. Posting to at least one bureau is within our guarantee. If you need a specific bureau for a lender pull, tell us before purchasing — we'll do our best to match appropriately.
If the tradeline does not post to at least one bureau by the 7th day after the second reporting cycle, and we cannot resolve the issue — full refund. We do not refund based on score impact being smaller than expected. Refunds are for complete non-posting only.
Reach out directly at [email protected]. We work with a select group of credit building professionals who purchase tradelines for their clients. First-time qualifying professionals may be eligible for a free trial tradeline under $300 for one reporting period — to establish trust before volume purchasing.
Yes, for established relationships. Wholesale pricing and priority inventory access are available for credit professionals who move consistent volume. This is built on trust — we evaluate each professional relationship individually. Contact us to start the conversation.
Tradelines are a fast-track play, not a repair strategy. If your file has negatives dragging the score, you'd benefit more from our Credit Advisory service (which removes derogatory items) before or alongside tradeline purchasing. If you're already clean and just need a score boost to cross a threshold, a tradeline is the faster path. We can walk you through the right sequence on the call.
Different bureaus process AU additions on different cycles. Experian often posts fastest. Equifax and TransUnion may follow within a few days to a week. Give it the full reporting window before escalating.
Possibly — ask on the call. After removal, the account data typically remains in credit history for a time, but active reporting stops. Plan your use of the boost window — ideally purchasing the house, car, or qualifying for the loan during the active period.
Yes — and it's a smart sequence. Many Excellence clients use tradelines to cross the 700+ score threshold required for HQ-qualified DFY Capital Advisory. If that's your goal, let us know in the questionnaire and we'll recommend the most efficient tradeline to get you across the line.
Yes — which is exactly why we guarantee 0–1% utilization, always, on every tradeline we offer. A tradeline with high utilization would increase your overall utilization ratio and hurt your score. Never purchase from any provider who doesn't guarantee low utilization.
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File has negatives dragging the score? We remove derogatory items first — then add a tradeline on a clean file for maximum impact.
Already at 700+? Ready for $100K–$150M in business capital? Skip the tradeline — go straight to DFY Funding with our 30–60 bank sequence.
Not ready to purchase? The free community has $40K+ in credit and funding resources — the same frameworks our clients use.
Request a tradeline. We follow up within 2 business days. Personal, business, or both. $1K to $100K. History back to 1975. One play can change everything that comes after it.