FAQ

A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report. Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline. The type of tradelines that we provide is Seasoned Authorized User tradelines, with perfect payment history, low utilization (under 30% unless otherwise noted) and perfect payment history. We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. 

The rule of thumb is if your score is under 620 you need credit repair and a trade line. If your score is over 620 normally you just need a tradeline, Each account is different and the best thing to do if have a look at it, but if you have negatives items we need to take a look at them. 

Typically tradelines report normally around 14 days AFTER the statement date given you placed your order at least 3 DAYS BEFORE the statement date. Orders must be made AT LEAST 3 days before the statement date in order for your tradeline to post that month. Each tradeline has a different statement date.  If you have a question about your order, please just ask us! 

We guarantee our tradeline(s) will stay on your report for a minimum of two posting cycles which is at least 60 days. Certain tradelines like Discover, Capital One and Chase, can remain on up to 90 days. Note that industry average is only a 30 day posting, so you are getting an amazing deal here. If you would like to extend a tradeline lease for a fee, please let us know by within 35 days of your purchase. Note that after your lease has expired, the account will remain on your credit report. It will just change to a terminated authorized user status. Its great that the account remains on your file indefinitely thus making your credit report more solid.

You have the option to extend your tradeline for an additional 30 days for half price. Please get with us before your lease ends so we can keep you on longer!

Every client is different. I have seen 15 to 120 points in two weeks.  If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement. More negatives the less impact. If your score is under 615 you will need credit repair. 

Guarantee –We cannot guarantee by law a certain score or results.  

P.S. Higher limits and older aged tradelines correlate to bigger credit score increases.

Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).

If you have nothing on your credit file, i.e. a thin file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.

The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.

Age Progressional Tradeline Packages are the most powerful and cost effective way to go.

All of our tradelines are under 30% unless otherwise noted in the comment section. 

All tradelines have perfect payment history.

When your authorized user lease has expired, the tradelines will still remain on your credit file, however it will just change to positive active account to closed account. This is the great thing because it remains on your file forever as a positive account. 

This is fine because the more positive accounts on your credit file, the stronger your file will be. 

The most impact you will get out of the tradeline will be while you are in an active status on the tradeline. While the tradeline is on your credit report that is the time to start applying. 

The tradeline is on there for 60 days or two closed dates that is enough time out and apply for your loan, apply the credit card you always wanted, apply for the job you wanted, apply for the premium car or start your own business! 

Your score may or may not dip slightly when your lease has expired but higher then it was when it started. 

What we have seen historically is a dip when the authorized user is removed, but not to as low as it was before the tradeline was added. Every file is different. 

Don’t delay, take action as soon as your tradeline(s) have posted to your credit file. 

It’s a truly unique and powerful custom service called the “Age Progressional Tradeline Package.” It’s a hand selected pack of tradelines prescribed to decrease the weaknesses in your credit score, which increases your credit score.

The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This also ensures easy, breezy posting to your credit report.

Yes. Fraud alerts, credit freezes and other types of locks, block new information from showing up on your report. If you don’t remove the fraud alerts/locks then the tradeline will not post properly. It is the client’s responsibility to call each credit bureau and remove the fraud alert. It is a simple phone call to each bureau to remove it. You can always add the fraud alert back as soon as the tradeline reports if you wish. 

The reader’s digest version is yes, the act of being added as an authorized user to someone’s credit card is legal and is protected by the provisions in the Equal Credit Opportunity Act of 1974 – Regulation B. Although it is legal, it’s usually considered a disliked practice by society and other vendors. 

The amount by which a credit score can increase is different for everyone. We stick to a few rules of thumb when determining the benefits that you will receive:

1. Higher limits and older aged tradelines correlate to bigger credit score increases.
2. More older accounts make your file more solid.
3. If you have nothing on your credit file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.
4. The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one. Please contact us directly if you want to do this.
5. All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have a perfect payment history.
6. If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement. 

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