Straight Answers Before You Buy
How tradelines post, how to pick the right one, and the mistakes that sink an order — written by the people who add you to the account.
· 3 min read
Tradelines vs. Secured Cards and Credit-Builder Loans
Secured cards and credit-builder loans build your own history from zero. A tradeline adds a seasoned account now. How they differ, and how to use both.
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· 3 min read
Adding a Tradeline Before You Shop for a Car
Most auto lenders pull FICO Auto Scores. Here's how to time a tradeline so it's on your report before you get loan quotes and start shopping for a car.
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· 3 min read
Adding a Tradeline Before a Mortgage Application
What Fannie Mae's rules say about authorized-user accounts, why manual underwriting changes things, and how to time a tradeline before the credit pull.
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· 3 min read
How Many Tradelines Should You Buy?
One tradeline or three? Your own report decides. Here's the average-age math that shows when one is enough and when a second or third earns its place.
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· 3 min read
How a High-Limit Tradeline Changes Your Utilization Math
Utilization is your card balances divided by your limits. See how a high-limit tradeline grows the limit side, with the sponsor's balance counted in.
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· 3 min read
Six Mistakes That Waste a Tradeline Purchase
Six avoidable slips that cost tradeline buyers a reporting cycle, from a forgotten credit freeze to a missed claim window, and the fix for each one.
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· 5 min read
How Authorized-User Tradelines Actually Work
What happens when you're added to someone else's credit card as an authorized user, what shows up on your report, and what doesn't.
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· 4 min read
Lift Your Credit Freeze Before You Buy a Tradeline
A freeze or fraud alert is the most common reason a tradeline fails to post. Here's how to lift it, and when to put it back.
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· 4 min read
Reporting Cycles Explained: When Your Tradeline Posts
Purchase deadlines, Reporting Periods and why a tradeline posts when it does — in plain terms.
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· 5 min read
Account Age or Credit Limit: Which Tradeline Fits Your Goal
How to choose between an older tradeline and a higher-limit one, and why the right answer depends on your own report.
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· 4 min read
What a Tradeline Can't Do for Your Credit
The honest limits of authorized-user tradelines, so you can decide whether one makes sense before you spend anything.
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· 4 min read
How to Check Whether Your Tradeline Posted
Where to look after your Reporting Period ends, what counts as posted, and what to send us if it didn't.
Read the article →Pick Your Tradeline Today
Bank, limit, age, Reporting Period and price on every listing. Doesn't post? Full refund or an exchange.