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Home » Tradelines: An ultimate guide to understanding tradelines.

TRADELINES: THE ULTIMATE GUIDE

Tradelines are accounts in your credit report and it’s a term that refers to increasing credit sc
“tradelines” to your credit report. There’s a lot to know about this process, so we took the tim
information for you.

Everyone’s heard of “co-signing.” But, did you know you can share credit scores, too? It’s called tradel
enhancement technique authorized by federal regulation. We cover tradelines from soup to nuts, be

Here’s a quick, 60-second video to sum up the page (a longer, more thorough video, later).
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QUICK TRADELINE FUNDAMENTALS.

We want to start with a very basic understanding of what trade lines are so that the rest of this page
section if you find it too elementary, but we would suggest taking just a moment to read through the

Let’s start with credit, generally. What is credit? It’s literally nothing. It is a made-up system that we us
system to evaluate potential loans. Our credit system, however imperfect it may be, allows our lende

Generally speaking, you begin to have credit as a young adult. So let’s start there. Technically, you sta
blank page because your credit report will have nothing on it and may not exist at all.
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GETTING STARTED.
In order to establish credit and generate a credit report, you will have to apply for an obtain a line of
when you first start to establish credit, you will apply for a small credit card. Capital One hands them
people start with a secured card.

Side note: Some banks, like Capital One, will give you a line of credit even if you have a thin cre
history with credit. Even though you have no credit, they can approve you because they trust yo
based on their trust and belief that you will pay them back in you make charged on that credit c
credit.
 In cases where you are Psst...
not approved, you can
tradeline deals? typically
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case, you will secure the line of

TRADELINE credit byVIDEOS
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STORIES FREEthan them giving
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line
secured line of credit. The difference between an unsecured and secured line is that the form
is based on pre-paying for a card. Both are “tradelines”.

GETTING REPORTED.
When you do this, that account and your payment history and behavior you establish with it gets rep
bank, etc. that gave you the line of credit) to credit reporting agencies. These are typically referred to
they’re CRAs, or credit reporting agencies. They are the ones that maintain the database of informati
You may recognize their names as Experian, Equifax and TransUnion.

Once you establish that account and it gets reported to the credit reporting agencies, a credit report
credit report is a tradeline. In other words, an account on your credit report is a tradeline. This incl

• Credit cards
• Mortgages
• Auto loans

Those are all examples tradelines.

WHAT ARE TRADELINES?

First, we should observe that the term tradelines is searched quite often. In fact, searches for the ter
dramatically over the years. Here’s an example of Google Trends on tradelines.
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We all know that the definition of a tradeline is an account that appears in your credit report. And no
paragraphs, you know why. You have a fundamental understanding of what tradelines are.

But, that’s not why you’re here.

YOU’RE HERE BECAUSE YOU WANT TO KNOW WHAT TRADE LINES A

IMPROVING YOUR CREDIT AND BEING APPROVED FOR SOME OTHER
BUSINESS LOAN OR CAR OR HOUSE.
In that regard, we are not talking generally about some previous account already appearing in your c
about adding seasoned accounts to your credit report for the purpose of increasing credit scores.

Here’s a quick video about just that:

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DON’T CONFUSE THE MANY NAMES.

Before we go further, we should clarify a few things. Tradelines go by many names. Although the nam
names don’t mean anything different. Let me explain. These are all the same thing:

• Tradelines
• Tradelines for sale
• Piggybacking credit
• Seasoned tradelines
• Authorized user accounts
• Credit tradelines
There are a ton of articles out there
Psst... using deals?
tradeline different keywords
$ CLICK HERE $ unnecessarily. Regardless of the keywo

credit scores is one thingTRADELINE

no matterGUIDE
how many different STORIES
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Please remember this: when we’re talking about trade lines in general, we’re just talking about an acc
report. When we’re talking about tradelines for the purpose of increasing credit scores, we’re talking
piggybacking credit, authorized user accounts, etc. Pretty much for the rest of this article, we will
credit.

ABOUT TRADELINES FOR CREDIT IMPROVEME

We need a little bit of history. Here’s a little bit of background on tradelines for credit improvement.

We promise not to throw too much wonky governmental studies at you. But, this is the be-all and en
Rather than regurgitating the study, it is cited below. The study, titled “Credit Where None Is Due
DC. It reviewed the practice of piggybacking credit. I.e., improving credit scores through the use of au
encourage you to read just this first paragraph from the study, below.
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HERE’S THE TAKEAWAY(S):

1. The law (and regulation) require that information about authorized user accounts be reported t
 2. Becoming an authorized usertradeline
Psst... can increase
deals? the authorized
$ CLICK HERE $ user’s credit score.
3. You can buy authorized user accounts
TRADELINE GUIDE from companies
VIDEOS and/or FREE
STORIES individuals
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SIGN UPyou for
FREE

So the question becomes:

How can I get added as an authorized user to (a) seasoned tradeline(s) for the purpose of increasing

HOW TO GET TRADELINES?

Here’s the good news and the good news: First, tradeline questions from here start to get narrower (
answers to these questions start to get easier. Even so, this is the most important section.

• We’re going to explain how you can add tradelines to your credit file to increase your credit sco
• We’re going to explain where you can buy them.
• But most importantly, we’re going to caution you against practices that have harmed consumer

There are primarily two ways to add tradelines to your credit report. First, you can ask a friend or fam
user to one of their credit cards. Second, you can buy authorized user tradelines from a company.

FROM A FRIEND.
If you’re asking a friend or family to add you as an authorized user, that’s a little bit risky. It’s risky bec
might not be in good standing. And, even if it is in good standing, it might not be the appropriate trad
credit and credit score.

FROM A COMPANY.
Buying tradelines from a company can be risky if you’re working with an unprofessional and unprepa

Note: While it is possible to get added onto a friend or family member’s tradeline, we would not advis
know the payment history, limit, and length the tradeline has been opened so that you can figure out
often ask for advice about adding these tradelines, but it is hard to give detailed advice when you don
Because the application of tradeline is so nuanced,
Psst... tradeline it is important
deals? $ CLICK HERE $ to know every detail before adding
– hire someone who knows all of that!
TRADELINE So, instead,
GUIDE VIDEOSwe’re STORIES
going to focus onACCOUNT
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SIGN UP tra
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mean when we say tradelines for sale. A company, like Superior Tradelines, LLC, specializes in season
of authorized user accounts. If you recall in the government study, this arrangement is “piggybacking

You are essentially paying to “piggyback” off the credit of someone else. It’s similar to co-signing, but
repayment responsibility.

THIS IS HOW A TYPICAL TRADELINE TRANSACTION WO

1. YOU RESEARCH A TRADELINE COMPANY WITH WHICH YOU WANT TO WORK.

We will discuss how to find and hire a legitimate tradeline company (or more accurately, h
tradeline company), below.

2. YOU CONTACT THE TRADELINE COMPANY.

Sometimes it’s better to stop reading and second guessing page after page and just hop o
you’re never really going to figure out what you need, etc., without talking to someone.

3. YOU AND THE COMPANY DISCUSS YOUR CREDIT GOALS (HOUSE, ETC.).

This is the most important thing: If the company you’re talking to didn’t start with your goa
your money than your goals. Also, this goes for you, as well. If you’re not putting your goa
them. Neither you nor the company should be experimenting. You both should be strateg

4. YOU AND THE COMPANY DISCUSS YOUR CREDIT ISSUES (NEGATIVES, ETC.)

Just like discussing your goals and being purposeful, you need to discuss some of the dero
report. Why? Because some negative information can limit the positive impact of the trade
working, entirely. This is just as important as your goals. Think about: if the tradelines do n
tradeline prices” are worthless.
5. THE COMPANY MAKES A RECOMMENDATION (WHICH TRADELINES).
Psst... tradeline deals? $ CLICK HERE $

This is usuallyTRADELINE GUIDE a good

what separates VIDEOS STORIES
tradeline FREE ACCOUNT
company from SIGN
a bad tradeline UP FREE T
company.
company should make sense based on your goals and your current credit situation. If the
working is shoving good deals in your face and not talking about your goals, they just wan

6. YOU SIGN AGREEMENTS (WHICH INCLUDE RIGHTS AND CANCELLATION NOTICES AND FORMS).

We’re not going to go into too much detail here, but there are some legal requirements fo
Organization agreements. You have certain rights under certain laws, like the credit repair
company has certain obligations under the same laws.

If you didn’t:

◾ a contract,
◾ a notice of your rights
◾ cancellation form,

…well, that’s a violation of the law. There are other things to consider, as well. A company
ignore federal law.

7. YOU PROVIDE REQUIRED VERIFICATION DOCUMENTS (IDS, CREDIT REPORTS, PROOF OF ADDRESS, ETC.)

A company that doesn’t collect your documents is likely not collecting other people’s docu
accept those who engaged in fraud (such as credit profile numbers, etc.). If they’re workin
fraudsters themselves and you will be associated with fraudsters. Obtaining verification d
company. You must provide copies of your license or state issued ID, credit reports, proof
Security card front and back, etc.

8. YOU PURCHASE THE TRADELINES (WHICH INCLUDES PLACING MONEY IN TRUST, NOT THE COMPANY’S BANK

Typically, you will fund a trust account and you will not pay the company up front. The com
the trust account if the services are completed. Until then, you can cancel the contract dur
period, which is usually 3 days. Also, if the company doesn’t perform, you can request a re
 service to be performed again at
Psst... tradeline no additional
deals? cost.
$ CLICK HERE $ That’s the goal, anyway. However, the

is very important and can

TRADELINE expose whether
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9. COMPLETE SERVICES.

While the services are pending, you can stay in contact with a company and ask them que
company will be happy to answer your questions. A company that goes dark and stops co
sign. Once the services are complete, the tradeline will appear on your credit report. Then
at that moment in time.

WHAT TRADELINES AREN’T.

We’ve discussed tradelines, above. You should know what they are, how they help, where to get them
tradelines aren’t. That’s a horrible sentence, but an important one. Search engines are really good at
content based on user searches.
If you start down the rabbit hole
Psst...searching tradelines,
tradeline deals? you
$ CLICK might
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dangerous places. So, here’s a veryGUIDE
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here.

OTHER TERMS:
• RENTING TRADELINES.

Renting tradelines really means two different things. In the first case what we’ve been talk
scores by being added as an authorized user to a seasoned tradeline. In the second case,
entirely different. There’s a new wave of companies convert your living residential rent int

• PERMANENT TRADELINES.

There’s no such thing as a permanent tradeline, not even a primary tradelines is permane
permanent tradelines are those trying to rip you off. They’re just pretending to sell you so
someone else would sell you. There is no such thing as a permanent tradeline. If someone
to you.

• TRADELINES FOR CPNS.

We will discuss CPNs in a different article, but suffice it to say you should stay far far away
that’s not to say you would get prosecuted. There is more than a 0% chance of prosecuted
tradelines next to CPN because they’re trying to add tradelines to CPN (which are blank) to
get a fresh start by robbing a bank, but that’s equally advisable.

• PRIMARY TRADELINES.

The meaning of primary tradelines is often confused with seasoned tradelines and piggyb
believe primary tradelines are better than authorized user tradelines. You cannot buy prim
cannot buy primary tradelines. Anyone that is suggesting they can sell you an age primary
extent they can do it and a liar to the extent that they are clearly just lying.
 Note: There Psst...
are some legitimate
tradeline deals? primary tradelines
$ CLICK HERE $ but they do nothing for credit so
pursuing.
TRADELINE GUIDE VIDEOS STORIES FREE ACCOUNT SIGN UP FREE

• BUSINESS TRADELINES.

Like primary tradelines, there’s no such thing as business tradelines. People simply took th
an individual credit report to boost credit scores. They’re created from the thin are based
tradelines to a business credit report. There is no law that supports this and no mechanism
thing as business tradelines. To repeat: there’s no such thing as business tradelines which
paydex score.

BEST DEALS?
I’ll just warn you up front so that you don’t feel tricked into reading this section. This section is really
companies who are trying to rip you off by claiming they have the best deals. However, I will tell you
trade lines at the very end.

The best deal on trade lines is a deal in which the tradelines you purchased achieved your credit goa
are ripping yourself off and there are many companies happy to assist you in doing so.
We wrote a blog post titled “This
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You should read it to find out why you
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at the beginning of the transaction, what makes you think the tradeline company would be more hon

UNDERSTANDING THE SCAMMER.

But, why do they do this at all? Imagine that you were a company that sells tradelines. Let’s say you’re
have very few clients because you rank poorly in Google. And, finally, pretend that the clients you do
preparedness and qualifications to help clients with their credit.

WHAT WOULD YOU DO?

You (the bad tradeline company, not you) would have no choice but to take advantage of people’s de
prices to get them in the door. It’s the only thing you can do to “compete.” And, since you (the bad tra
not really going to do the job in the first place, it just doesn’t matter because any money you get is m
 Psst... tradeline deals? $ CLICK HERE $

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The client’s recourse is a review online, which doesn’t matter to a scammer. We’ll explain in our “best
is what’s happening in the trade line industry today. This is the biggest hazard you face. So, what do y
HERE’S WHO YOU
Psst...SHOULD
tradeline deals? AVOID AND HOW TO AVOID
$ CLICK HERE $

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1. Avoid anyone that lacks a website, business or any brand recognition (because they can just ge
craigslist ad after they take your money).
2. Avoid working with anyone who hasn’t been in the industry for at least five years. You can look
whois records for their domain.
3. Avoid anyone who tries to get your business based on price alone and does not discuss your cr
first.
4. Get on the phone with everyone you intend to work with; do not work with them if they feel eva
expertise.

So, now that you’ve narrowed down who not to work with and found someone you do want to work
The answer is simple. Ask for a good deal. No, I’m not joking. If a tradeline company has a legitimate
work with you on price. In addition, if you’re easy to work with and prepared to handle all the docum
reduced prices.

Again, though, the most important thing is working with a company and purchasing tradelines
Everything else is a waste of time and money even if it is a “good deal.”

TO RECAP:
Tradelines are accounts that appear on your credit report. Tradelines for credit improvement is seas
user for credit is piggybacking. According to the Federal Reserve and other sources of legitimate info
effective.  The friend and family approach can backfire. You can buy tradelines from companies but d
legitimate. You will want to make sure the company with whom you do business has your goals in m

13 THOUGHTS ON “TRADELINES: AN ULTIMATE GUIDE TO UNDERSTANDING TRADE

Omar Anas says:

December 10, 2018 at 5:52 pm
Hello, Psst... tradeline deals? $ CLICK HERE $

I am working withTRADELINE
another authorized
GUIDE user supplier,
VIDEOS but theyFREE
STORIES are not adding anySIGN
ACCOUNT users
UPlately.
FREE
amount of authorized users for each card I have with you, and the other half with them. The f

1.) Citi Diamond Preferred Card

Opened 7/15; Credit Limit is $5400
Authorized Users Allocated: 5

2.) US Cash Visa Plus Card

Opened 3/18; Credit Limit is $14,500
Authorized Users Allocated: 3

3.) American Express

Opened 5/18; Credit Limit is $2000
Authorized Users Allocated: No Limit

4.) Discover IT card

Opened 5/18; Credit Limit is $2600
Authorized Users Allocated: 2

5.) Bank of America Cash Rewards Card

Opened 5/18; Credit Limit is $1500
Authorized Users Allocated: 5

6.) Wells Fargo Cash Wise Card

Opened: 5/18; Credit Limit is $12,500
Authorized Users Allocated: No Limit

Thanks.
Reply

Robert says:
January 3, 2019 at 8:55 pm
 Omar, Psst... tradeline deals? $ CLICK HERE $

TRADELINE GUIDE VIDEOS STORIES FREE ACCOUNT SIGN UP FREE

Thanks for the offer, and while we’d love to work with you, we cannot do what you pro
and affiliates (those who buy tradelines from us for their clients) trust us is that we req
cardholders so that the poor business practices of other companies do not impact our
onboard a cardholder like you, we want to maintain that relationship to the best of ou
party companies to interfere with that goal. If you’d like to speak further about this, pl
Reply

Zachariah D Hales says:

January 27, 2019 at 6:53 pm

Please contact me to onboard i have 25 accounts and my current company is not utilizing. I w
Reply

Robert says:
January 27, 2019 at 10:06 pm

Hey Zachariah,

Please call Kate at 321-328-0908 or email kate@superiortradelines.com to discuss the

If you want to get started now, you can get your account set up by going to https://sup

Just out of curiosity, which company are you coming from?

Thanks!
Reply

leonardo caruso says:

February 12, 2019 at 10:52 pm

contact me to become a new client

Reply Psst... tradeline deals? $ CLICK HERE $

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Robert says:
February 12, 2019 at 11:49 pm

Hey Leonardo! I see you already registered and that Raj will be reaching out to you in t
have any other questions!
Reply

Jay Cade says:

April 17, 2019 at 7:58 am

My credit score is 555 I only have 3 accounts on my report no foreclosures no repossessions c

really need a car ASAP would you say that adding a Tradeline would be a good route to go
Reply

Robert says:
April 17, 2019 at 9:23 am

A tradeline may help. However, a $90.00 collection? Just pay for it. Even if it isn’t yours.
can bring down your score significantly and may even prevent you from getting a car l
is that you get pay for deletion. Collectors will say they do not pay for delete. And, it’s k
delete a collection account after you pay it. Is that the same thing? No. One is quid-pro
simple series of events. So, ask them, but don’t word it as “if I pay you, will you delete i
report collections, even after they’re paid off?” They will never commit to it, but use yo
lines. Either way, pay it.

Then, if your credit report has relatively nothing on it (as you said), tradelines will incre
We recently published a video about large increases in tradelines. I would recommend
email us at info@superiortradelines.com or get started at https://superiortradelines.co
tradelines can do for you.
Reply
Seneca Houston says:Psst... tradeline deals? $ CLICK HERE $

April 24, 2019 at 7:50 pm

TRADELINE GUIDE VIDEOS STORIES FREE ACCOUNT SIGN UP FREE
i know of a hacker that could add tradelines to your credit. He can also raise your credit score
other negatives from your credit. He did all that for me within just few days. My life completel
now i’m back to focusing fully on my goals.You can email him at [moderated] at gmail dot com
Reply

Robert says:
April 24, 2019 at 9:11 pm

It’s very ironic: We just updated the home page regarding just that. Also, we wrote an a
https://superiortradelines.com/facts/real-credit-hack/
Reply

kent evans says:

June 12, 2019 at 12:59 pm

Good afternoon I have about 4 accounts charged off all vehicles I worked with a shady credit
credit he actually did fix my credit but he also used my credit at the time I knew nothing abou
friend who experimented in fixing my credit in turn he got all the accounts charged by the be
establish some positive credit if any until the charge offs are cleared can you guys help me
Reply

Michelle Naylor says:

July 31, 2019 at 9:20 pm

How long do your tradelines stay on my report once posted?

Reply

Robert says:
October 14, 2019 at 5:36 pm
 https://www.youtube.com/watch?v=_fi9JZxNgBQ
Psst... tradeline deals? $ CLICK HERE $

Reply TRADELINE GUIDE VIDEOS STORIES FREE ACCOUNT SIGN UP FREE

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