Frequently Asked Questions

A tradeline is any credit account that appears on your credit report — such as a credit card, mortgage, or auto loan. When you are added as an authorized user to someone else's credit card, that account (tradeline) is reported to the credit bureaus and may appear on your credit report, potentially improving your credit profile.

You are temporarily added as an authorized user to a credit card account with a strong history — low utilization, on-time payments, and age. The account then reports to the credit bureaus under your name during the reporting period. After two billing cycles, you are removed. You never receive a physical card and have no access to the account.

No. You are added as an authorized user only. You will not receive a physical card, login credentials, or any access to the account. The sole purpose is for the account history to reflect on your credit report.

You will remain as an authorized user for 2 monthly reporting cycles. After that you are removed from the account. However, the account history may remain visible on your credit report for an extended period depending on the credit bureaus.

Smart Matching is our free tool that helps you find the best tradeline for your credit profile. Enter your credit scores from all 3 bureaus (Equifax, Experian, TransUnion), your primary goal, max budget, and current utilization — and the system will instantly recommend the top 6 tradelines suited to your situation.

No. Smart Matching provides personalized suggestions based on your inputs for informational purposes only. Individual credit profile outcomes may vary. We guarantee that you will remain on the card as an authorized user for 2 monthly reporting cycles, but we cannot guarantee any specific impact on your credit score.

You will need to upload a government-issued photo ID (driver's license) and your Social Security card for the authorized user. If the person paying is different from the authorized user, an additional ID for the billing party is required. Your uploads are secure and never stored.

Each tradeline has a purchase deadline — the last date by which you must complete your order to be included in the current reporting cycle. If you miss the deadline, you will need to wait for the next available cycle or select a different tradeline.

The reporting period is the window of time during which the tradeline will be reported to the credit bureaus. Each tradeline lists its reporting period so you know exactly when to expect the account to appear on your report.

YES. Any active fraud alerts or credit freezes must be removed from all three credit bureaus before placing your order. If a freeze or alert is in place, the tradeline will not post and refunds will not be issued.

Visit the Order Status page and enter your email address and order number. You can track your order through Pending, Processing, and Completed stages at any time.

All fees are non-refundable once paid, unless a non-posting occurs. If your tradeline does not post to at least two credit bureaus within the reporting period, you are eligible for a full refund, store credit, or an exchange. Refund requests must be submitted in writing within 21 days of the expected posting date.

Store credit is a balance issued to your account that can be applied toward a future tradeline purchase. It will appear automatically at checkout. Purchasing store credit via bank wire or Zelle is the fastest way to fund your account. A minimum of $50 is required to initiate store credit.

The list of tradelines on our website is automatically updated in real time, 24/7/365. Everything you see is available at the current moment. Tradelines with very high limits and significant age tend to sell out quickly, so act fast when you find one that matches your needs.

You will immediately receive a confirmation email showing all tradeline details including the reporting period. Once your order is placed there is nothing else to do but 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.