Tradelines can boost your credit score and here’s how!
Tradelines are available, now! We are a company dedicated to improving credit scores through the use of authorized user accounts, enabling consumer benefit in a buyer’s economy. If you are looking for seasoned authorized user accounts for sale, you’ve come to the right place! We are not a typical one stop shop, or a jack of all trades master of none. We sell and specialize in adding revolving accounts – in good stand – to your credit report in order to increase your credit scores.
That’s us! We are a company dedicated to improving credit scores by piggybacking credit accounts.
Piggybacking credit allows you to “piggyback” on someone else’s credit, like a co-signer.
“Season” your credit report with accounts in positive standing to increase your credit scores.
A QUICK, EFFECTIVE AND AFFORDABLE SOLUTION
FOR THOSE WHO LOOKING TO INCREASE THEIR CREDIT SCORES.
Why choose us?
We specialize in authorized user accounts
We only deal with a single credit repair technique authorized by federal law: piggybacking authorized user accounts. It is both the most effective method and the only legitimate one to improve credit scores.
Your credit goal is our priority
We consider your account carefully when choosing the right tradeline to complement and strengthen your score. Strategically selected and placed, our lines bring you the biggest result for the smallest price tag, that is our mission.
We are reachable, when you need us
In terms of being available by telephone, chat or email, most companies simply are unreachable. At Superior Tradelines, we are ready for your call and are often available after hours and on weekends.
Competitively priced and protected
While we perform the services, your money is protected in a trust account regulated by the Section 817.7005, Florida Statutes and protected by a $10,000.00 surety bond.
We’re connected an for good reason.
We maintain positive relations with companies in our industry. Our ethic and cooperation with other companies means that we have people standing by if you should require services outside of the piggybacking market.
Get a free credit report analysis, free credit and tradeline recommendation and free advice from the most experienced experts in the field by completing the form below!
what our customers have to say:
I have gotten so much more than expected out of working with Superior Tradelines and I really want to thank you guys for getting me back on track with my credit standing.
So far we’ve received, or have been approved for $79,000.00 in personal lines of credit! …Again I can’t thank you enough for all that you’ve done!
I have been working with Superior Tradelines [for my clients] since 2012. Glad to be partnered with an expanding company!
I have been working with Superior Tradelines since 2012. Glad to be partnered with an expanding company!
Here’s all you need to know about tradelines:
We have people willing to add you as an authorized user to a pre-existing line of credit in good standing in order to increase your credit score, for a fee. If you didn’t understand that sentence or simply want to know more, the following content includes (nearly) everything in the world about them.
We know everything there is to know about tradelines. And, rather than spread information on this website, we have consolidated it all here (although, the rest of the site is very informative, too).
Tradelines: An Introduction.
The term is pure jargon, but “tradelines” refers to accounts on credit reports. Not personal information, like addresses, names, etc., but, information like the credit accounts on which monthly payments are made. Everyone seems to agree with the definition.
Now, the term “tradeline” has taken on a meaning within a meaning. The above definition is something a mortgage broker would provide when asked what a tradeline is, but if you’re on this page right now, you’re probably aware that “tradelines” has something to do with credit enhancement, right? After all, look what Google returns when the term is searched:
The definition of “tradeline” for which you were looking.
If you add a revolving line of credit with positive payment history and a good debt to credit ratio to your credit report, your credit score will increase. This is possible because the laws, regulations and banking practices in the United States allow the reporting of the history of such an account to be added to another’s credit report if that person is added as an authorized user to such account. The persons or companies listed above offer you an opportunity to “piggyback” off of the tradelines listed for the prices outlined above.
So, a tradeline is an account on a credit report, but it also refers to the credit improvement technique which involves being added to a revolving account as an authorized user to the account’s information will appear on your credit report and positively impact your credit score. When people refer to “tradelines for sale,” that’s just it; they’re referring to the idea of paying to be added as an authorized user to a tradeline.
“Tradelines” has many aliases.
Just to be clear, before we move on, tradelines and tradelines for sale refers to piggybacking off of authorized user tradelines. It is sometimes referred to, as I just said, “piggybacking” credit. Also, it is sometimes called “seasoned tradelines,” because you’re adding “seasoning” (or history) to your credit report. So, all of these are the same:
- Tradelines for sale
- Seasoned Tradelines
- Piggybacking tradelines/credit
- Authorized user accounts
It’s all the same thing. I point this out so you’re not confused or tricked into believing different words used to describe this process is anything other than the single process described above. It doesn’t work any better if cool words are used to describe it.
Where did this come from?
If you really want to dig into the origins of this credit enhancement technique, you need to strap in for a good night of studying and read “Credit Where None Is Due” by the Federal Reserve Board. Here’s an excerpt from the linked-to article:
Tradeline costs and fees.
What’s the most asked question about tradelines? Hands down… how much do they cost? It’s a close first, next to questions about their legality. Nevertheless, the pricing and fees are a major concern for consumers, obviously. However, please note our return-on-investment section below, because it is very important to look at the effectiveness of tradelines because even the best deal for something doesn’t work is not a good deal at all.
Like any market, the costs associated with piggybacking credit depend on many things.
- Are you working with a friend or family?
- Are you hiring an individual and not a company?
- Are you working with a company? If so:
- Is the company cutting corners?
- Does the company comply with the law (compliance is expensive)?
- Does the company pay a sales and marketing team?
- Does the company have office costs?
- Are the vendors (or card holders) experienced, competitive, etc.?
The list of considerations goes on, but the old adage of “you get what you pay for” holds true in this industry as well as others. It isn’t an answerable question because the costs of tradelines depend on so many things that they could range from free to over $1,000.00 per line.
Tradeline return on investment.
As mentioned above, costs is a very narrow view of the overall scenario of buying tradelines to improve your credit scores (and, of course, help you achieve your credit goals). When you talk of this process in terms of costs, you’re closing your eyes and ears to things that may matter much more.
In fact, you could have negative costs, if you think about it. Suppose you purchased a package for $1,500.00. Suppose further that you increased your credit score so much that you were approved for a mortgage and went from subprime to prime in your rate. Look how much money you could save.
(Yes, we recognize these rates are out of date, but the concept remains correct).
If you take the bigger picture, you see that costs aren’t that important; whether tradelines will achieve your goal is the most important question to ask.
Credit report analysis and tradeline recommendation.
Most (good) companies (who care about your credit goals) perform a credit report analysis to help determine whether or not tradelines are right for you. The goal is to see if, perhaps, you need other services prior to retaining them. Most (again, good) companies do not want to sell tradelines, they want to match people with appropriate services that are going to work. One of the coolest things we’ve contributed to the market is a “tradeline simulator”. You can use this simulator to go through a seemingly infinite series of questions to reach a conclusion about your efforts before you buy anything.
The legalities of piggybacking credit.
There’s this strange – and sad – gut reaction among people to ask “is this legal” when there’s something that seems to benefit you. “This product will help me? …wait a minute… is this legal?” I get it. You should be cautious when dealing with complicated laws. In fact, if you want to know if tradelines are legal, you should stop reading this right now and pick up the phone and call a lawyer. However, I can compile some internet research opinions for you. For example:
You could stick 10 attorneys or prosecutors in a room and ask them whether or not tradelines are illegal and you’d get 10 different answers. At the end of the day, it is not illegal to have a credit card, it is not illegal to add an authorized user to that credit card. So, in all honesty, we’re not entirely sure why this question emerges. I think the question of tradelines and their legality comes from the idea that you’re “gaming the system.” There’s no question it seems to be a hack, of sorts. However, the entire credit system is a made-up system with rules. So, many of your activities – including making payments on time, monthly – will result in an increased credit score. Yes, this is sarcasm, but it’s logical, but follow it… what if you set up a “scheme” to “quickly” improve your credit score by paying your payments on time… are you “gaming the system?”
The real legal issues come from lying on a loan application. But, you’re not representing to a lender that the authorized user account is a primary tradeline. After all, it says “AU” or “authorized user” right in the EOCA section of your report.
Avoiding scams and rip-offs.
As far as avoiding tradeline scams and companies that may rip you off, there’s nothing special about this industry. People are people. It’s not just some evil person determined to steal your money; sometimes it’s just a matter of a person not knowing what they’re doing.
The best person to listen to…? Yourself. To avoid getting ripped off, vet the company or individual like you would in any other situation, from food to home repairs, to babysitters, etc.
- How long have they been in business?
- Do they sound like they know what they’re talking about?
- Are they saying only what you want to hear?
- Do they use a trust account?
- Are they bonded?
- Are the priced unrealistically low?
- Are the priced unrealistically high?
- Is there website old or are they bouncing from one name to another with no reputation to uphold?
- Are there any verifiable reviews?
More importantly: What you really need to know!
Looking up reviews on companies is as time-consuming as it is ineffective because people with bad reviews just create new websites until they get new bad reviews. At the end of the day, you’re not trying to determine if people are angelic specimens of perfection. No one is. What you’re really trying to determine is whether the job will get done and, if not, you can get your money back. In that regard, simply make sure the company has a surety bond (which means if they don’t perform or return your money, you can file a claim against the state and the state will refund you and go over them).
We have a surety bond and function through an escrow-like trust account.
Do tradelines work for business funding?
Yes and no. The tradelines referred to and sold above are authorized user tradelines. In business credit bureaus and scores, there’s no such thing as an authorized user. Thus, authorized user tradelines are limited to personal credit. However, that doesn’t end the answer.
A majority of the time, banks require personal credit to “back” the business loan (or alternative funding). This is called a “personal guarantee.” This looks to the individual’s credit report and score and, therefore, authorized user tradelines become relevant. In the case that you need a personal loan and if the bank is going to look to your personal credit, yes… authorized user tradelines will help.
*This assumes you don’t need credit repair first.
When do tradelines not work?
This is a great question, posed by curious and informed consumers. It’s always important to look at the positive side of things, but being informed can help you avoid situations in which tradelines do not work. The list below can change and get longer depending on the credit objective of the client buying tradelines.
- Tradelines do not work if you have any negative items on your credit report because of the positive impact from the tradelines is outweighed by the negative.
- Tradelines “work” but they are a horrible idea if you cannot afford the loans you would obtain as a result of increasing your credit score with tradelines.
- Tradelines don’t work if they’re not appropriately selected because a tradeline too small can place you in an “adolescent” scorecard.
- Tradelines won’t work if you add too many because underwriters will kick them off of your report as authorized user abuse.
Is there such a thing as pay-after-post tradelines?
Probably not. People might say that, but it isn’t technically true. Wait, no, it is technically – as in a technicality – true. There is almost no recourse against someone who simply decides not to pay for tradelines after the services are rendered. So, the market clearly has limits and the only people that offer pay after post tradelines are either a) totally lying to you b) actually going to do it and will soon go out of business.
The best option for pay after post tradelines is finding a company, like us, who place your funds in a trust account backed by a surety bond. This provides protection for you so that don’t rip you off, but protection for us, so we don’t rip them off.
It works like this: You cut a deal (price, line, timing, etc.). You sign an agreement. You fund the trust account with the amount agreed. You did not give us money and you could charge against our surety bond and our State regulators if we screw around with your money. In other words, that’s not going to happen. Moving on: Once the tradelines appear, we are permitted to withdraw the funds from the trust account. We both move on… happily ever after.
Are there any free seasoned tradelines?
Yes, actually. You should always ask a friend or family member (who you trust to make payments on time) to add you as an authorized user to their card.
We totally encourage this, but, with a bit of caution. Don’t be ridiculous with it. For example, don’t ask your Grandma (who’s had credit for 50 years) to put you (a 25-year-old) on a 42-year-old like with a $56,000 limit. It may get flagged as “authorized user abuse” (and kicked off your report, defeating the purpose) or it may put you in a different scorecard which may result in a lowered (yes, lowered) credit score. There’s definitely some math involved. As a general rule, just be reasonable and you’ll be fine.