A tradeline means being added as an authorized user on an existing, well-managed account — so that account's history can appear on your credit file. It's the same mechanism as a parent adding a child as an authorized user; the difference is the age and vetting of the primary account.
Added the right way, on the right kind of account, a tradeline may help your profile by adding account age and available credit to your file. How much it helps — if at all — depends on your overall credit history, and it varies from person to person.
A tradeline does not fix inaccurate items on your report, and it is never a guaranteed score increase. It works best alongside correcting errors on your own report — not instead of it. Anyone who promises you a specific number is not being straight with you.
No. No one can guarantee a specific outcome from a tradeline. Used correctly it may help — but results depend on your individual credit file and are not the same for everyone.
The mechanism is the same — you become an authorized user on someone else's account. The difference is the age, limit, and payment history of the primary account, which is why the right account matters.
No — a tradeline is not a substitute for correcting errors on your report. In your free consultation we'll be honest about whether a tradeline even makes sense for your situation, or whether your time is better spent elsewhere first.
Results are unique to each person and vary widely. Tradelines are not a guarantee of any score increase or approval, and are not a fix for inaccurate information on your report.
We'll look at your file and tell you honestly whether a tradeline makes sense for you — or whether something else should come first. Free, no obligation.
Takes 2 minutes. No pressure, no obligation.
Secure & confidential. We'll never share your info.