What is a Tradeline Company?

A tradeline company is simply a company that offers you the chance to purchase a tradeline to benefit your credit report.

How to Buy a Tradeline

When you want to buy a tradeline, begin by selecting a reputable tradeline company like the ones in our list above. Shop through their inventory and choose a tradeline that suits your needs. Follow the company's specific process for purchasing a tradeline. You may have to do it over the phone, or be able to add the product to your online cart and checkout directly through the website. Make sure you read the service terms and disclosures, e-sign any documents, and provide your personal information. There will be a contract you need to read and sign. You'll also need to upload your government-issued identification and complete the payment process. You should also double check your credit report and make sure that the tradeline shows up.

How Much Will a Tradeline Boost My Credit Score?

Well, it depends. First of all, if a negative tradeline gets added then your credit score will decrease. How much it raises can vary. Credit card age is the most significant factor in scoring. So the older the account, the more your credit score will go up. Look for older tradelines to get the maximum benefit.

What Are the Best Tradelines to Improve Your Score?

The best tradelines to purchase are going to be the oldest accounts you can find. Revolving account tradelines like credit cards that are aged would be your best bet. Seasoned tradelines like these should raise your score the most.

How Long Do Tradelines Stay on Your Credit Report?

A tradeline that belongs to you will stay on your credit report for up to 7 years. And they will stay on your report for up to a year after an account is closed. When it comes to purchasing tradelines, in most cases you will get to be an authorized user for 2-3 months.

How Much Does a Tradeline Cost?

The cost of a tradeline varies. You can pay a few hundred dollars to even a few thousand. It all depends on the tradeline you choose, and your budget. There are a lot of factors that affect tradeline prices and availability. Here are some factors in the cost of a tradeline: Age of the tradeline : An older tradeline provides better results, as a longer credit history can help improve your credit score. Credit limit : A higher credit limit can mean a better credit utilization ratio which is better for your credit score. Payment history : A tradeline with a perfect payment history will cost more than one with missed or late payments. Supply and Demand : The more popular a tradeline the more it will cost.

Is it Legal to Use a Tradeline to Improve Your Credit Score?

Yes, boosting your credit score with a tradeline is actually legal. Just make sure you are using one of the legitimate tradeline companies that are transparent about services. However, credit card companies are not a fan of this and could consider it it a reason to close your account. Choosing a reputable tradeline company will keep you and your data safe, and make sure the purchase is worthwhile.

What is the Difference between Credit Repair and a Tradeline?

They are definitely not the same thing. Credit repair is the process of getting negative and inaccurate items removed from your credit report. If you have a bad credit score, you want to hire one of the credit repair companies out there to work to improve it. By contrast, a tradeline is a single item of a credit account that you have on your credit report. It can help to improve your score, but it doesn't involve the removal of items the way credit repair does.

What is Piggybacking?

You may have heard the term "piggybacking" when it comes to credit. It is essential the process of becoming an authorized user on someone else's credit account. You can piggyback off someone else's credit. It is done a lot with spouses. If one spouse has bad credit, they can piggyback off the good credit of the other to help themselves get a loan or mortgage. With tradelines, you can actually pay for this piggybacking.

What is the process for adding tradelines to your credit report?

If you open your own new account, a tradeline will automatically get added to your history and report. You can also ask a friend or family member to add you as an authorized user to their account. It will get reported to the credit bureaus and will be a tradeline added to your credit history. The third way is to choose a tradeline company you like and then go through the process to purchase one. It will get added to your report.

5 Best Tradeline Companies to Boost Your Credit

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It can take years sometimes to boost your credit score! You might be wondering if there is something you can do to raise your score more quickly.

There actually is! You can get added to someone else’s “authorized tradeline,” or basically their credit account. You can have a family member add you to theirs, or you can purchase a tradeline.

By buying a tradeline, you essentially “buy” your way onto someone else’s credit, becoming an authorized user on their account.

This can have a big impact on boosting your credit score, because the positive payment history on that account gets factored into your own credit report.

When thinking about purchasing from tradeline companies, it is important to research and select the most reputable and professional options available.

The best tradeline companies typically have a long trading history and large credit limits, which helps make sure you are getting what you paid for!

In addition, it’s important to look for competitive pricing, user-friendly websites, and excellent customer service when selecting the right company for your needs.

In this guide to tradelines, we cover what a tradeline is, how to choose a tradeline company and which are the best tradeline companies to choose.

5 Best Tradeline Companies

Below is a list of legitimate tradeline companies you can feel safe to purchase from.

1. Tradeline Supply Company

Best Tradeline Company

Tradeline Supply Company: Purchasing a tradeline is fast, easy and will raise your credit score.

Boost Your Credit

This is our top pick of the best tradeline company out there! Tradeline Supply Company is a reputable provider known for their competitive pricing. Established in 2017, they have quickly gained a solid reputation in the industry.

When you work with Tradeline Supply Company, you can expect a user-friendly experience. Their website is easy to navigate, and their support team is always available to answer your questions about buying tradelines.

You can easily purchase a tradeline directly on their website and they are a reputable, safe company.

They are affordable, have a great reputation and make it super easy to purchase seasoned tradelines directly from their site.

However, it’s important to choose wisely, as their inventory is continuously changing. You can buy authorized user tradelines on this site but you can also sell your own if you have a good credit score.

Pros

Offer promotions like buy 2 tradelines, get a certain percentage off the second one
Some of the lowest priced tradelines out there
You can see a lot of upfront details about the tradelines before purchasing
You will get to stay on the positive account for two reporting cycles
Guarantees to post to at least 2 of the three major credit bureaus
Positive customer reviews

Cons

You have to buy the tradeline by their specified purchase date for it to post on the next credit reporting cycle
They do not offer a guarantee on how the tradeline will affect your credit score
Do not offer consultations on your overall credit

Need to Build Your Credit Fast?

Ava : You can get a line of credit fast with the Ava app. Plus, it can help boost your credit score quickly! Download the app!

Purchase a tradeline and help quickly repair your credit and boost your credit score.

And, Download Credit Karma for easy score tracking!

2. CreditPro

CreditPro is another top choice for buying tradelines. They pride themselves on their excellent customer service and providing tradelines from major banks.

Their range of tradelines varies, giving you the flexibility to find one that suits your needs.

Their prices might be slightly higher compared to other companies, but the quality of the tradelines and their customer support justify the cost. It’s important to remember that with CreditPro, you are paying for premium services.

Looking for credit repair? Check out these 7 best credit repair companies!

Pros

Offer tradelines that have utilization rates 15% or even lower
Tradelines post to you in as little as 5-7 days from the date purchased
You can stay on the tradeline for 60-90 days
Many options of credit cards and card ages (more than 2,000)
Free initial consultation
Offers package deals and discounts sometimes

Cons

Better Business Bureau Rating of only C+
You can’t see upfront details about the tradelines on their website before purchasing

3. BoostCredit101

BoostCredit101 is an affordable option for those looking to improve their credit scores. With a user-friendly website, clear pricing, and a wide selection of tradelines, they have become a popular choice among consumers buying tradelines.

One of BoostCredit101’s notable strengths is their transparency. They provide you with all the necessary information regarding the tradelines, allowing you to make an informed decision.

In addition, they have a high rating on Google, showing good reviews by customers. Check out the pros and cons of debt consolidation.

Pros

Verifies all parties, sellers and buyers to make sure there is no fraud
You can see full details of tradelines before purchasing such as the lender, age and more
Very safe with encrypted servers and after 90 days all customer data is deleted

Cons

Better Business Bureau does not accredit or have ratings for BoostCredit101
Tradelines cannot be purchased directly on their website, you have to call and speak to a salesperson

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4. Superior Tradelines

Superior Tradelines is a tradeline company that has been around since 2010. They do not offer credit repair services, but only tradelines for sale or purchase.

Pros

Lots of helpful guides and articles on their site
You can sign up for a free strategy session
They also offer credit repair
Many options of tradelines including business tradeline, authorized user tradelines, primary tradelines and piggybacking credit just to name a few

Cons

No guarantee is offered on how the authorized user tradeline will affect your credit score

5. Priority Tradelines

Priority Tradelines is known for its superior tradelines and excellent customer service and is an all-around good tradeline company.

They offer a range of tradeline options, including authorized user tradelines and primary tradelines. Plus, they work with some of the most reputable banks and credit card companies.

Although not the cheapest option, Priority Tradelines provides a balance between quality and affordability when buying tradelines.

It’s crucial to weigh the benefits of the tradelines they offer against the costs to determine if they’re the right fit for your needs.

Pros

Good online customer reviews
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