Frequently Asked Questions

A tradeline is the line-item for a credit account on a credit bureau report. When you buy a tradeline from us, you're added as an authorized user on an existing revolving credit account — such as a credit card — and that account then appears on your own credit report.

We coordinate with the primary account holder of the credit account (our credit sponsor) to add you as an authorized user, with their full advance knowledge and consent. Once added, the account is expected to report to two or more credit bureaus.

We can't guarantee any specific outcome. We don't make promises about score improvement or the removal of any items from your credit report, and your rating may in fact decline. See the Tradeline User Agreement for the full disclaimer.

It's the last day to buy a given tradeline and have it guaranteed to report during its listed reporting period. After that date, that specific listing is no longer available at that reporting window.

Availability updates regularly as tradelines sell out or new ones become available, so pricing and stock you see reflects current availability rather than a static catalog.

It's the window during which the credit sponsor's bank is expected to report the account to the bureaus after you're added. You should see the tradeline post to your report within that window.

It depends on your goals. Account age contributes to the average age of accounts on your report, while credit limit affects your overall utilization if you're carrying balances elsewhere. There isn't one right answer for every situation.

That depends on your current credit profile and what you're trying to accomplish. Our free Tradeline Calculator lets you model how a specific tradeline would change your average account age and utilization before you commit.

No — you must remove any credit freezes or fraud alerts at all three major bureaus before a tradeline can post to your report.

You'll maintain authorized-user status for two billing/posting cycles after being added, after which you'll be removed from the account. You should receive two consecutive postings to your report during that time.

If your authorized-user status hasn't posted to two credit bureaus within the reporting period, and you haven't already asked to be removed from that tradeline, you're entitled to a full refund or an exchange — see "How do I request a refund?" below for the exact process.

Browse current availability on the Tradelines page, select the tradeline(s) you want, and complete checkout. Your fee is considered earned upon receipt and is non-refundable except in the case of non-posting or non-performance on our part.

We may need to verify information you provide — including identity documents — through a third-party verification service. If requested documents aren't provided within 48 hours, your order may be cancelled.

Email Info@tradelinebuilders.com with your name, the Card ID you're requesting a refund on, and proof the tradeline didn't post to at least two bureaus (a CreditKarma account check, or a current full credit report from AnnualCreditReport.com, myFICO.com, or a bureau directly — screenshots aren't accepted). Our refund team confirms within three business days and issues a refund or exchange, your choice, within four business days after that. Full details are in the Tradeline User Agreement.

No. We sell authorized-user tradelines only — we don't dispute items on your credit report or offer credit repair services.

Piggybacking is the general term for benefiting from someone else's credit history as an authorized user — buying a tradeline from us is a formal version of that, arranged with the credit sponsor's full knowledge and consent.

Our current catalog is focused on personal authorized-user tradelines. Contact us if you're specifically looking for business credit options.

No. You may not use, provide, or submit a Credit Protection Number, alternate SSN, or any other false or unauthorized identifying information. Doing so is a material breach of the Tradeline User Agreement and voids any refund.

No, not without express written consent from the account owner. Unauthorized contact with the lending institution is a breach of the agreement.

Yes — see the Brokers page to get in touch about broker pricing and working with us.

Possibly — contact us to submit your account for consideration. Credit sponsors are expected to keep balances low (generally 15% or less of the limit) and their accounts in good standing while a client is an active authorized user.