A tradeline is a credit account on your credit report. When you buy one from us, you’re added as an authorized user on an established credit card, and once the card issuer reports, that account’s limit, age and payment history appear on your report.

Look at the credit limit, the age and the purchase deadline. Older accounts add more history, and higher limits add more available credit. Order by the card’s purchase deadline to make its next reporting window. Not sure? Try the tradeline calculator or ask us.

Each card reports in a set window every month, shown in the table’s reporting columns. Order by the purchase deadline and we add you before that window. Most authorized users are added within 24 hours.

You choose 2, 3, 5 or 8 months on the tradeline’s page, and longer stays cost less per month. We remind you before you’re removed, with the option to extend.

If this tradeline hasn’t reported 10 days after its expected date, we replace it with one of equal or greater value or refund 100% of what you paid. If it reports to 2 of the 3 bureaus, we add 1 extra month or refund 10%. Applies to orders placed by the purchase deadline. Read the full terms

The authorized user’s legal name, date of birth, Social Security number and address, plus a photo of their driver’s license or passport and Social Security card. The card issuer verifies the authorized user before adding them, so the details must match exactly.

Your documents are sent over an encrypted connection and kept in a private folder, never on the public website, and used only to add the authorized user and verify your order. Card payments are handled by Stripe, so we never see your card number.

We can’t promise a specific score change. A tradeline can’t remove negative items, and how much it helps depends on the rest of your credit profile. What we do guarantee is that it reports, as described above.

Yes. Adding an authorized user is a standard feature every major card issuer offers. What is illegal is misrepresenting your identity, which is why Tradeline Express never sells CPNs or “credit privacy numbers.” Learn more

Yes. Credit repair companies, mortgage brokers and funding specialists get wholesale pricing through our broker program.