In the broadest sense, a tradeline is any account that appears on your. Different types of tradelines include mortgages, auto loans, student loans, furniture loans, jewelry loans, installment loans, and of course, credit cards of all types.

However, if you made it to our website, you may be interested in purchasing tradelines, and that is something a little more specific than this broad definition listed above.

We sell authorized user tradelines, which means you can pay to become an authorized user on someone else’s credit card. This account will then appear on your credit report showing your authorized user status.

Well, tradelines (in the broadest sense) are what make up the majority of a person’s credit reports. It does not need to be said why someone’s credit report is important. We all know how important a credit report is.

Opening credit accounts of various types and make all your payments on time consistently. If you do this, over time, you should have good credit.

If you have errors on your credit report, you may want to consider credit repair.

If you currently have bad credit turning that around and building good credit is the exact same process. Open new credit accounts of various types and make all your payments on time. It may take longer to rebuild your credit than it originally took to build your credit because those negative marks will remain as part of your credit report for quite some time.

While we do not provide credit repair services, if you have errors on your credit report, you may also want to consider beginning the process of credit repair. Removing errors can be done through with the help of qualified credit professionals.

When purchasing authorized user tradelines, when you get added to the credit card as an authorized user, it does not show on your credit report when you were added. Rather, the entire history of the account is reflected in your credit report with some exceptions depending on the bank.

For example, if an authorized user is added to a credit card that is 20 years old, it will simply appear as a 20-year-old credit card that this person has on their credit report with an authorized user status. Therefore, the credit scoring algorithms often just assume this person has been on this card for 20 years. If the tradeline has a perfect payment history, that is a nice thing to have in your credit report.

Also, while there may be several different utilization ratio at play in the secret credit score algorithm, an authorized user tradeline can play a factor in the overall utilization ratio.

The truth is that since the credit scoring algorithms are secrets, no one knows exactly how it works. There are a lot of inferences, correlations, and speculation that has taken place to try to understand the way credit scores work.

In short, you only want to add tradelines that are superior in age and credit limit to what you currently have in your credit report.

If you currently have high utilization, higher-limit tradelines may help with your overall utilization ratios.

You should also know what your average age of accounts currently is. You only want to add tradelines that can increase your average age of accounts in a meaningful way.

While we do not offer any guarantees on specific results, we do guarantee that your tradelines will report on your credit report. Since everyone’s credit report is so unique, it is up to you to use the knowledge and tools we provide, so that you can determine which tradelines would be best for you.

In an authorized user position, the account will appear on someone’s credit report, but the authorized users do not have any financial responsibility for that account. Therefore, many people think that primary accounts are better than authorized user tradelines.

A primary tradeline is an account that an individual has in their name where the creditor has extended some form of credit to that person specifically. They are financially responsible for that account and this is reflected on that person’s credit report.

The overarching goal of someone trying to build their credit should be to open their own primary accounts and keep those accounts in good standing forever. In this way, primary accounts are the best.

However, in the industry of buying and selling tradelines, trying to purchase a primary tradeline may be full of pitfalls, scams, and other schemes that are very illegitimate and we recommend staying away from this idea in general.

For one, you have to ask yourself if it passes the common sense test. How can you buy an account that is supposed to, by definition, belong to you as the primary account holder who is financially responsible for that account? Do you want to buy someone else’s debt?

If you actually get credit extended to you, in your name, then that really is a primary account. This can be a good thing, but often they will be relatively low limits and of course this new account will have no age. So is a primary account with a small limit and no age better than an authorized user tradeline with a high limit and lots of age?

From what we have seen, if we had to choose between these two scenarios above, we believe the authorized user tradeline with age and a higher limit would be the more powerful choice.

Tradelines that are at least two years old are generally considered to be “seasoned.”

The word “seasoned” refers to time. A seasoned tradeline has been open for a certain period of time. Each financial institution that extends credit will define how much seasoning they are looking for but, in general, any account under two years would not be considered seasoned.

In other words, two years is the minimum amount of time that would possibly qualify a tradeline to be considered seasoned.

In short, when it comes to your credit, the more seasoned the better.

Tradeline renting is the process of paying a fee to be added as an authorized user to a revolving credit account, thereby allowing the authorized user tradeline to be added to your credit report. It is a form of credit piggybacking that takes advantage of the benefits of authorized user tradelines.

“Renting tradelines” and “buying tradelines” both refer to the same transaction. The reason it is sometimes referred to as “tradeline renting” is that the consumer will only temporarily be listed as an active authorized user on the tradeline. Typically, an authorized user will be active on the tradeline for two reporting cycles, which is akin to renting the tradeline for two months.

However, after the authorized user is removed and the tradeline appears as closed, it will still remain as part of the authorized user’s permanent credit history for as long as the bank continues to report the tradeline, which can be up to 10 years.

Therefore, the term “buying tradelines” also makes sense, because the closed tradeline will stay on the user’s credit report for a longer period of time.

Tradeline renting can affect several age-related variables.

Renting a tradeline adds the authorized user tradeline and its associated credit history to your credit report. By renting a tradeline, you get all of the age, perfect payment history, and low utilization of that account reported as part of your credit history.

Since age is the most powerful factor of a tradeline a well-seasoned tradeline could be a valuable addition to your credit file.

Tradelines can affect several different age-related variables, such as the average age of accounts, age of oldest account, and number of seasoned tradelines versus unseasoned tradelines, to name a few examples.

Although Credit Services US, LLC is not a legal authority, according to the U.S. Congress, the Federal Reserve Board, and the Federal Trade Commission, it is legal to rent tradelines.

Although FICO tried to eliminate the benefits of tradeline renting in 2008, they admitted in a congressional hearing that they could not legally do so, because it would violate the Equal Credit Opportunity Act (ECOA).

The U.S. Congress protected consumers’ ability to rent authorized user tradelines.ECOA prohibits discrimination against borrowers based on marital status. Since most financial institutions do not indicate whether or not an authorized user is a spouse of the primary account holder, all authorized user accounts must be considered equally, including those that are rented.

You can rent tradelines through a reputable tradeline company, such as Credit Services US, LLC. On our website, simply navigate to “Buy Tradelines”, select the tradelines you want to rent, and check out directly on our secure site. After that, all you have to do is wait for the tradelines to post!

When renting tradelines, you definitely want to be sure to avoid companies with questionable business practices and choose a company that has your best interests at heart.

Primary tradelines are accounts that belong to the primary user, which is the person who was actually issued the credit. If you have a loan in your name, for example, that would be a primary tradeline.

While some people think that primary tradelines hold more weight than authorized user tradelines, this is not always the case.

Regulation B of the Equal Credit Opportunity Act requires that creditors consider authorized user information, which promotes equal treatment of all credit applications. Therefore, in many cases, the authorized user position is also weighted very heavily and possibly even equally in some credit scoring models.

A seasoned tradeline is simply an account that has been aged, which could include both primary accounts and authorized user accounts.

However, in the context of purchasing tradelines, the term usually refers to the process of adding aged authorized user accounts to one’s credit file. In contrast, opening a new primary account would not provide any seasoning, since it would be a brand-new account with no age.

Those who do not have primary tradelines of their own or need to build credit fast may consider purchasing seasoned authorized user tradelines for sale.

Seasoned tradelines can show up on your credit report in as little as 7-11 days, and sometimes even faster, but this depends on many factors, including the date the AU is added and the reporting period of the tradeline.

Each tradeline has its own reporting period during which changes to the account post to the credit bureaus. These seasoned tradelines are reported to the credit bureaus at around the same time each month, with typically no more than a 7-day variance. Factors such as bank holidays or general reporting fluctuations may affect this timing.

When you find tradelines on Credit Services US, LLC, we provide a “purchase-by date” that lets you know when you must purchase your tradeline by in order for us to guarantee that it will post in the upcoming reporting period. If you miss this date, we guarantee your tradeline will post by the following month’s reporting period.

If you have purchased a seasoned tradeline that you believe has not posted, please wait until the entire reporting period has passed before reaching out for support. In addition, make sure that your Credit Karma account has been updated after the reporting period.

The purchase deadline is the last day to purchase a tradeline and have it guaranteed to report during the upcoming reporting period.

Example: If the purchase deadline is July 5th and the reporting period is July 16th-23rd, as long as you buy the tradeline on or before the 5th, we guarantee it will post between the 16th-23rd.

Find the Purchase Deadline column in our Tradeline List to view the purchase deadline for each tradeline.

We guarantee that the utilization of our tradelines will always be at or below 15%. Often, however, the utilization ratio is much lower than 15%. Many of our credit partners maintain a utilization ratio of around 1%.

We have checked with all the banks we work with and confirmed that every bank on our list does report to all three credit bureaus. However, it is well known that the banks’ and credit bureaus’ reporting of data is often less than perfect.

For this reason, we guarantee that the tradeline will post to at least two out of the three major credit bureaus. We are not saying that it will only post to two bureaus, rather, we are simply saying that our money-back guarantee is that it will post to any two out of three bureaus. The majority of the time, it does post to all three bureaus, but in the event that it only posts to two bureaus, we did deliver on our promise.

Often, people ask if we only guarantee that it will post to two out of the three bureaus, can we tell them which two bureaus they will post to? Unfortunately, we do not know the answer to this question, because again, more times than not it ends up posts to all three bureaus.

Whenever it posts to less than three bureaus, that usually implies there was some sort of error in the data transmission either from the bank or on the bureau’s side. We do not know why these glitches happen, but we do know they happen, and they are a reality in this industry.

Therefore, as a consumer, it is best to plan for all possibilities, and this is also a good reason to consider adding multiple tradelines from different banks to hedge against these possible data errors.

Our tradelines can report in as few as 11 days (and even faster in some cases) but it depends on which tradeline you choose and when the reporting period is.

Reporting Period

Each tradeline on our list has its own unique reporting period and a corresponding deadline that you must purchase it by in order for us to guarantee that it will post in the next reporting cycle.

The reporting period is a 7-day window of time each month during which the tradeline gets reported to the credit bureaus.

Each tradeline gets reported to the credit bureaus around the same time every month. There is usually no more than a 7-day variance on the reporting date, but this all depends on many factors such as how many days are in that month, delays due to bank holidays, and general fluctuations.

Purchasing Tradelines

The way our system works is you must purchase the tradeline by the “purchase deadline” in order for us to guarantee that it will post in the next reporting cycle.

As long as you purchase the tradeline by the purchase deadline, then we guarantee it will report by the last day in the reporting period, but in most cases, it usually reports closer to the beginning of the reporting period.

Non-Postings

If you believe you may have a non-posting, please wait until the entire reporting period has passed before contacting us about a refund or exchange. Also, please check to make sure that your credit monitoring service has been updated after the last day of the reporting period.

Unfortunately, no you cannot. Fraud alerts, credit freezes, and other types of locks will block new information from showing up on your credit report.

If you have fraud alerts, credit freezes, or other types of blocks on your credit report and you purchase tradelines from our company, this constitutes a default of the user agreement, and we will not issue any refunds for non-postings in this case.

If you have fraud alerts, credit freezes, or other types of blocks on your credit report, you are welcome to remove those in advance and then purchase tradelines from our company.

In order to remove those blocks, you must contact each credit bureau individually to ensure that they get removed properly. We also recommend that you wait 30 days after the blocks are removed from each bureau to ensure that your credit file is cleared.

We guarantee that you will be an active authorized user for two reporting cycles, which is approximately two months. During this time, the tradeline will be reported as an open account.

After the two months of being an active authorized user is complete, the authorized user will then be removed from that account and the tradeline will then appear as a closed account, but it will usually remain on your credit report as part of your permanent credit history. Many banks will continue to report this closed account for as long as 7-10 years, but it may fall off the report sooner depending on the bank.

Tradeline Extensions

If you need a tradeline to stay on your credit report for longer than two reporting cycles, you can purchase extensions to stay on the tradeline for as many reporting cycles as you need.

You can purchase unlimited extensions in increments of one cycle with each cycle being half the cost of the original tradeline purchase price.

Extensions may be purchased up to six weeks after the tradeline’s original purchase date.

We guarantee that you will be an active authorized user for two reporting cycles, which is approximately two months. During this time, the tradeline will be reported as an open account.

After the two months of being an active authorized user is complete, the authorized user will then be removed from that account and the tradeline will then appear as a closed account, but it will usually remain on your credit report as part of your permanent credit history. Many banks will continue to report this closed account for as long as 7-10 years, but it may fall off the report sooner depending on the bank.

Tradeline Extensions

If you need a tradeline to stay on your credit report for longer than two reporting cycles, you can purchase extensions to stay on the tradeline for as many reporting cycles as you need.

You can purchase unlimited extensions in increments of one cycle with each cycle being half the cost of the original tradeline purchase price.

For more information on extensions, or simply log into your account and choose the extension option for the tradeline you wish to extend.

Extensions may be purchased up to six weeks after the tradeline’s original purchase date.

By default, all of our tradelines will stay on your credit report for 2 reporting cycles, which is approximately 2 months. If you need the tradelines to stay on longer, we do offer unlimited extensions in 1-cycle increments at half the cost of the original purchase price.

For example, if you bought a tradeline for $1,000 and need to extend it for one month, the price would be $500.

Extensions can be purchased up to 6 weeks after your original purchase date by logging into your account and choosing the extension option next to the appropriate tradeline.

Once you have selected your tradelines from our tradeline list, follow these steps to complete your purchase:

1. Add the tradelines you want to purchase to the cart.
2. Click on the cart in the top right corner of the website to see your order summary.
3. Click proceed to checkout.
4. Click “Sign Service Terms & Disclosures” and go through the steps to eSign this paperwork.
5. Enter your personal information into the checkout page.
6. Upload a color copy of your driver’s license and social security card into the Documentation section.
7. Click “Submit Order” to complete your order.
8. Send payment via Zelle or ACH link we will send you via email.

When you complete the order process on our website, you will immediately receive a confirmation email of your order. Keep that email handy because it will show all the details of each tradeline you purchased, including the reporting period for each one.

Please note that you must purchase each tradeline by the purchase deadline in order for us to guarantee that it will post during the next reporting period.

Once your order is placed there is nothing else for you to do but simply wait for the reporting period to pass. We guarantee that the tradeline will post by the last day in the reporting period or we will issue a full money-back refund.

Since this process of adding you to a tradeline is completed in one step, you will not receive any status updates beyond your confirmation email. The final step is waiting for your tradeline to post.

Credit Service US, LLC guarantees all of the following:

• If you buy any tradeline by the purchase deadline, we guarantee that it will post on your credit report during the next reporting period for that tradeline.
• For each tradeline purchased, we guarantee that you will remain on the card as an authorized user for 2 monthly reporting cycles.
• We guarantee that the tradelines will post to any 2 out of the 3 credit bureaus.
• We guarantee that all tradelines will have a perfect payment history with no late payments ever reported on the accounts.
• We guarantee that the utilization ratio will always be 15% or lower.

Credit Service US, LLC does NOT guarantee any of the following:

• We do not guarantee any positive results on your credit score from purchasing any of our tradelines. You may get no change or your score may even go down depending on the specifics of your credit file and which tradeline you select. We cannot predict how your score might change or how many tradelines you would need to buy in order to get to a certain credit score.
• We do not guarantee that you will be able to secure any new funding, loans, credit cards, lines of credit or be able to achieve any specific financial goal as a result of purchasing our tradelines.
• We do not guarantee any results beyond getting a tradeline to post as detailed above.

If your tradeline does not post within the guaranteed reporting period, you can request a refund.

In order for us to process your refund, you must first create a free CreditKarma.com account and confirm the following:

1. Confirm that your credit report has been updated after the last date of the reporting period.
2. Confirm that the tradeline is not being reported on both TransUnion and Equifax. If your creditkarma.com account shows that the tradeline posted to at least 1 bureau, we will also need to look at your Experian data in order to prove that it did not report to at least 2 bureaus.

If you are able to provide confirmation of both of the above points, then you may request a refund for that tradeline. Refund requests must be processed in writing via email.

We guarantee your purchased tradeline will post to at least two major credit bureaus within its reporting period. If it does not, we will issue a full refund for that tradeline.

To qualify for this refund, you must:

• Purchase the tradeline by the stated purchase deadline.
• Report any non-posting in writing to [email protected] by providing your credit monitoring credentials, or credit reports, within 21 days of the first scheduled reporting date.

Before Requesting a Refund:
Most credit monitoring services update monthly, and it is common for credit reports to be outdated. Before contacting us, please ensure you are viewing a report that has been updated after the reporting period has ended.

How to Request a Refund:
Email to Refunds to [email protected] and include:

1. Your Name and Order Number.
2. The card ID for the specific tradeline you are requesting the refund for.
3. Credit Monitoring Information (Choose One) We do not accept screenshots.:

• The username and password for your CreditKarma.com account (for TransUnion/Equifax verification). If the tradeline posted to one bureau on Credit Karma or a bureau is not updated, we will need to verify Experian.
• For Experian: The username and password for your Experian.com or CreditCheckTotal.com account.
• Full PDF credit reports downloaded from AnnualCreditReport.com (must include all pages). They allow consumers to download free updated credit reports weekly. Therefore, please wait until after the last day of your reporting period has passed before accessing these reports. Email us at [email protected] for instructions.
• We also accept reports from MyFico.com or reports downloaded directly from each credit bureau.

What Happens Next?
Our refund team will confirm this information within 2 business days. Once confirmed, your refund will be issued within another 2 business days. Standard bank processing times may apply.

Please Note: Our customer service phone line cannot verify non-postings or process refunds over the phone. All requests must be submitted via email. For your security, we may call you to request a two-factor authentication code to access your provided accounts.

Unfortunately, our third-party payment processing system does not allow us to accept credit cards. In our industry, there are limited options for payment processing, and it is rare for tradeline companies to be able to accept credit cards. Currently, we accept payment via zelle or ACH.

In order to place an order with us, we need a color copy of your driver’s license and a color copy of your social security card.

These items are necessary for identity verification, fraud prevention, and occasionally the banks will ask for these documents in order to add an authorized user to an account.

If you do not have a driver’s license, we will accept a color copy of a passport or state-issued identification card in lieu of the driver’s license.

If you do not have your social security card, we can send you a special form that you can complete, sign, and send back to us so that we can run a verification directly with the Social Security Administration. If you need to go this route, please send us an email to [email protected] requesting the social security verification form.