adding tradelines 24 to 48 hours

26 Sep 2017

Add tradelines to your credit report within 24 to 48 hours.

First, plain and simple… it’s nearly impossible to add tradelines to your credit report within 24 to 48 hours. We wrote this article to address client questions and inquiries regarding the time it takes to add tradelines to your credit report. I know this isn’t what you “want” to hear, but it is something you “should” hear. It’s important to arm yourself with the truth about tradelines. This is especially true given the fact that many companies want to hide the truth from you.

What determines how long it takes to add tradelines to your credit report?

In order for you to add tradelines to your credit report, you must be added as an authorized user prior to the statement date. To understand how long it takes to add tradelines to your credit report, you must be familiar with two concepts: statement dates and report dates.

  1. Statement dates are the dates the banks close the billing cycle. Your statement date on a credit card happens every 30 days and this date can fluctuate a few days depending on the number of days in the month.
  2. Report dates are the dates on which the banks and creditors report the tradeline (or credit card) information to the credit bureaus.

Here’s an example of a statement date and a report date back to back:

statement date
The statement date as it appears on the credit cards monthly statement


different report dates
The report date as it appears on the credit report
  1. The “statement date” for the month shown is “9/21/2012”. This means that the statement date of the previous month was 8/21/2012.
  2. The second line from the bottom shows when the tradeline reported. This line reported to the credit report on 8/21/2012 for TransUnion, 8/23/2012 for Experian and 9/1/2012 for Equifax.

As you may recall, I said that it is “nearly impossible” to add tradelines to your credit report within 24 to 48 hours. Well, in this case, you could have for TransUnion, if you were added before midnight on 8/21/2012 (although, it’s doubtful it would have worked that fast). However, even if you were added on 8/21/2012, the tradeline would not have REPORTED until 72 hours later on Experian, and 7 days later on Equifax. No tradeline company has control over this. Therefore, if they give you an unrealistic date, they are probably deceiving you (or don’t know what they are doing).

With that said, how long does it take to add tradelines to your credit report?

Here, at Superior Tradelines, we give clients a 15 to 45-day window. While we’ve seen cases of reporting in just a few days, we typically say that the soonest you will see the line is in 15 days. This gives us time to handle agreements, payments, and otherwise facilitate the transaction. The tradeline selected determines how long it will takes to report.

If today is the 1st, and you pick a line that reports on the 28th, then you are waiting 27 days before the line even reports to the bureaus. And, as you’ve seen above, you have another few days before the line hits across all three credit bureaus.

Is there such thing as an “expedited service” for tradelines?

Not really, but let’s define “expedited service” in a bunch of different ways for clarity. Expedited service can exist if you mean properly handling the transaction and making sure there are no unreasonable delays. In other words, being responsible. Then, yes. Expedited services can exist if you mean selecting a tradeline with a fast approaching statement date/report date; a date closest to the day you purchased the tradelines.

However, there is no “special” way to speed up the process. That’s just marketing gimmicks, at that point.

What’s more important than the time it takes to add tradelines to your credit report?

In short, the time it takes to add tradelines to your credit report should be a secondary consideration. The tradeline that you choose is a much more important consideration. Whether you are dealing with a solid company that is competent in this field is much more important. If you are looking to purchases seasoned tradelines, you’ve come to the right place.

Updated: November 10, 2021

49 thoughts on “Add tradelines to your credit report within 24 to 48 hours.”

  1. Your website says no upfront fees. How does this process work? Do you dispute credit discrepancies as well as add trade lines? Or just add trade lines?
    Thank You

    1. As far as “no up front fees” goes, we are limited by federal and state law as to how fees can be accepted for credit related services. So, in order to comply with Florida law concerning fees for credit service organizations, the money for the tradelines is placed in a trust account backed by a $10,000.00 surety bond. Once the services have been rendered, we are permitted to acquire said funds. So, the fees are not “up front” because we never gain possession of the funds until AFTER we perform the services promised. Make sense?

      We do not conduct credit repair (or disputes of any kind). We focus on tradelines and do not spread ourselves thin with anything else.

      Let me know if you have any other questions.



  2. I would like to know how these tradelines work in order for me to get high end bank loans from my personal credit history.Also do the company add tradelines to businesses as well? Please give me all avenues so I can get millions off my personal and business credit.thank you

  3. i’m interested in getting business tradelines and seasoned business tradelines and anything used to build business credit

  4. Dear Matias.

    I need your assistance and service in helping me to improve my credit score to 750+, and establish trade lines. How can I get started. Please reply as soon as possible.

    Thanks. Dexter Lee

  5. Wow, same question and same answer repeated……. guess what, if you need tradelines, save the poor guy some time and simply call them, email them, or go the the webpage /start…… not that hard guys.

  6. Hi Matias

    From time to time i run accross people inquiring about tradelines. I would like to learn more. Thank you

  7. Have a business over a year ,llc and need to really get it up and going. Need capital for 16 foot box truck but no credit on business name and don’t want to use personal information

    1. Parish, as we’ve written many, many times; no bank offers “business loans” to people, unless they can show substantial income and many years in business. The only possible way for what you’re describing is getting an auto loan in your name (or a friend, family or business partner’s name). If you shop around and find an alternative, please let me know and I’ll post about it.

    1. Demba, unfortunately, that question is impossible to answer, as posed. It requires way more information in order to accurately answer it. There’s been studies that show an average of 24 points per authorized user. However, that study was not using FICO scores (or scores lenders will likely use for you). The bottom line is that the answer to your question depends one why your credit score is a 550. If it is a 550 because you have a substantial amount of negative items, then don’t expect much from tradelines. If it is a 550 because you simply have no credit, then you can expect large increases credit scores.

      What you should do is call us in the morning at 800 431 4741 or email and get one of our staff to do a credit report analysis. They will be able to asnwer your question much more specifically than I can with the information presented here.

  8. Hi my name is CJ, I’m interested in the tradelines how dies it works ? Could you increase it up within 24 to 48 hours ? What is the catch ?

    1. Cheryll, I respectfully ask that you read the article. It was designed to address the reality of timing and process so that people (like you) are not misled into believing something that isn’t possible. If, after reading it, you have more questions, I’d be more than happy to address them.

  9. I have a credit score of 4 and need it to be 820 by 3pm tomorrow. What plan am I looking at and can I pay by check?

    1. Hey Joe, I can’t tell if you mistyped or if you misunderstand the process (or if you were just joking). But, please read the article above, because it explains how fast tradeline work. Thanks!

    1. It isn’t the balance that may pose a problem, but, rather, the condition of the account. For example, is it past due, is it in collections or, worse, has it been defaulted? If it is current, then it makes almost no difference. In fact, it’s probably a good thing that you have a “primary” to begin with. Also, $8,000.00, especially as to student loan debt, is nothing. So, just give us a call and let’s talk goals! 800-431-4741

    1. As a disclaimer, I want to ensure everyone knows you did NOT buy tradelines from us.

      To answer your question, it depends. What kind of amex card? Does it report the history, or no? What is the limit? What is the age? What is your debt to credit ratio? What is the source of the before score and the after score?

      Anyone is capable of “selling tradelines.” But, that’s not what you buy with us. You buy our knowledge and or results oriented focus. So, before you would have purchased from us, we would have asked your goal, looked at your current credit situation and made a targeted tradeline recommendation if we believed your goal was achievable with tradelines. I know that didn’t answer your question, but it’s kind of unanswerable as posed. If you want to get me more detail, I will be glad to address it. Thanks!

  10. Business trade lines added to my business. Will they be forever? for a year? or? and then what?

    Thanks for an answer…

    1. Clinton, no relation, right? 🙂 Okay, there’s no such thing as “business tradelines” for business which function like “authorized user tradelines” for individuals. They don’t exist. Business funding is an entirely different story. You should check out some of those companies that do business funding in the Credzu marketplace, for example:

      If you want me to go into more detail, I’d be happy to. But, if you’re looking for business funding, we’re not your company 🙁 If you have any other questions or if you need tradelines, individually, we re your company 🙂

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