Your Credit File Is Only As Old As Your Oldest Account.
Tradeline Builders adds you as an authorized user on a seasoned account — years of history on your report, without opening anything new. Availability updated daily, and a written non-posting guarantee you can read before you buy, not after.
If a tradeline doesn't post to two bureaus, you get your money back — see the guarantee.
Not sure yet? Run the free simulator first — no signup.
- Reports to 2+ credit bureaus
- Availability updated daily
- Written non-posting guarantee
- Secure checkout via Stripe
Get 15% off — one-time code, expires 24 hours after you sign up
One code per email address. It really does expire — we don't reissue it if you sign up again.
How it works
Browse current availability
See bank, credit limit, age, reporting period, and price for every tradeline we currently have available.
Pick what fits your goals
Use the free simulator to see how a tradeline would change your average account age and utilization before you buy.
We handle the authorized-user add
We coordinate with the account holder to add you as an authorized user before the reporting period closes.
What you're buying: authorized-user status on a real account
A tradeline adds you as an authorized user on an established revolving credit account. We don't promise a specific score outcome — nobody honestly can — but the purchase itself is backed by real terms, in writing:
- Money-back guarantee if a tradeline doesn't post to two bureaus within the reporting period
- Credit sponsors are expected to keep balances at 15% or less of their limit while you're an authorized user
Ready to see what’s available?
Current availability changes daily. Filter by bank, age, credit limit, or price to find the right fit.
Browse TradelinesMoney-back if it doesn't post to two bureaus — no argument about it after the fact.
This isn't for everyone
Skip it if you have a credit freeze you're not willing to lift, a recent derogatory mark, or you're expecting a guaranteed score jump — none of those work with an authorized-user tradeline, and we'd rather say so now than process a refund later. Everyone else: read our Buyer's Guide or check the FAQ before you buy.