Seasoned tradelines.
Real banks. Posted on schedule.
An authorized-user tradeline can add a seasoned account’s history and limit to your credit report. Pick a real bank line, pay securely online, and it is scheduled to post on the date shown. If your tradeline hasn’t posted to your credit report within 45 days, you get a full refund. Results vary; no score or approval is guaranteed.
How dotradelineswork?
What is a tradeline?
Any account on a credit report is a tradeline. Here it means a seasoned credit card with years of clean history and a high limit. The cardholder adds you as an authorized user, and that account’s history can appear on your report. You get no card and cannot spend — you get the history.
What can it change?
- Utilization — a high limit with a low balance can lower your balances-to-limits ratio, if the account reports on your file.
- Age — an account opened years ago can raise your average account age and may become your oldest account.
- Profile depth — a thin file can show a long-running revolving account from a major bank.
Does adding more than one help more?
It depends on your file. Lines can do different jobs: an aged line adds age, a high-limit line adds available credit. Stacking similar young lines adds little, and no number of lines guarantees a score or an approval. The calculator maths is simple: every line changes your total limit and average age — what a scoring model does with that is up to the model.
What other clients have seenClient results
Individual results. Every file is different; results are not a promise of yours.
Cards maxed out? Utilization working against you?
A high limit can lower your ratio.
New to credit, or a short credit history?
Years of history can be added.
Existing auto loans, mortgages… but no credit cards?
A revolving account can be added to your file.
Availabletradelines
Orders close 7 days before the posting date so the cardholder can add you in time.