What Are Tradelines?
A tradeline is any credit account that appears on your credit report. When you’re added as an authorized user to a seasoned credit card, the card's positive history can boost your credit score, improve your credit profile, and open the door to better financial opportunities.
Why
Tradelines Matter
Your credit score is one of the most important financial tools you have.
Lenders use your credit score to decide whether to approve loans, credit cards, or mortgages—and at what interest rate.
Adding seasoned tradelines is one of the fastest ways to improve your credit score and show lenders a positive payment history.
How Tradelines Help You
By becoming an authorized credit card user with a long history of on-time payments and low balances, you benefit from the card’s positive credit data. This can:
Increase Your Credit Score:
Build trust with lenders by showing a more substantial credit history.
Improve Your Credit Utilization:
A higher credit limit reduces the percentage of credit you’re using, boosting your score.
Qualify for Loans and Credit:
You can access better financing options, including mortgages, auto loans, and business credit.
Who Can
Benefit from Tradelines?
Anyone looking to improve their credit score quickly.
Individuals prepare for significant life goals like buying a home or starting a business.
People are aiming to lower interest rates on credit cards or loans.