What is a tradeline?
A tradeline is any account that appears on your credit report, such as a credit card or loan. When you purchase an authorized user (AU) tradeline, you are added as an authorized user on an established account, and that account’s history may then appear on your credit report.
Why do you analyze my credit first?
Tradelines are not the right move for everyone. We review your full credit profile, your goals and your timeline first, so you only buy a tradeline when it is likely to help your specific situation.
Does the free credit analysis affect my credit score?
No. Reviewing your own credit reports is a soft inquiry and does not affect your credit score.
How does the $1 IdentityIQ trial work?
IdentityIQ provides your Experian, TransUnion and Equifax reports and scores. The trial costs $1 for 7 days; IdentityIQ sets the terms of the trial and any subscription after it, so please review them before signing up. You can cancel directly with IdentityIQ.
Will a tradeline guarantee a higher credit score?
No. Results vary based on your individual credit profile, and no specific score change or approval can be guaranteed. Our analysis is designed to help you decide whether a tradeline is likely to help.
How long does it take for a tradeline to post?
Tradelines post when the card issuer next reports to the credit bureaus. Each listing in our inventory shows its reporting details, and we will walk you through the expected timing before you buy.
Will I receive the card or have access to the account?
No. As an authorized user tradeline buyer you never receive a card, account number or any ability to make charges on the account.
Are tradelines legal?
Adding authorized users to credit accounts is a long-standing, lawful practice. You must provide accurate information and may not use a tradeline to misrepresent your identity or to commit fraud.
How do I get started?
Request a free credit analysis, or if you already know what you need, browse our current tradeline inventory and check out online.