credit tradelines FAQs

Credit Tradelines FAQs

Credit tradelines is a term of slight redundancy. Tradelines are literally credit accounts on your credit report. So, this term doesn’t necessarily add anything meaningful to this topic. Credit tradelines are sought in order to add positive lines of credit to social security numbers, which results in that account and its details reporting to the individual’s credit report. When that happens, the individual’s credit scores are recalculated. If the accounts added are in good standing (and makes sense given a multitude of factors), the credit score will inevitably increase. Here are some of the most common and frequently asked questions we’ve received:

What are credit tradelines?

They are the same as any trade lines of credit… seasoned tradelines, authorized user tradelines, etc. It’s just a term general enough to cover all of the categories. Typically, those searching for credit tradelines are looking for a way to add credit tradelines to their credit report in order to boost your score. That is what we do here at Superior Tradelines.

Do credit tradelines work?

Yes and we’ve written many times about whether or not tradelines work. You can read more here and here. The basic answer proof is in the Equal Credit Opportunity Act and the Federal Reserve Board Regulation B. Credit tradelines are added to your report as authorized user accounts. This is a simple process and our job.

How do you add credit tradelines to your credit report?

They can be added to your credit report by having a primary tradeline account holder add you as an authorized user to the credit tradeline. Superior Tradelines, LLC has a large portfolio of credit tradelines and they stand by ready to add you as an authorized user for a fee. An answer any more specific than that would get into trade secrets. Rest assured, it is possible to add credit tradelines to your credit report.

Is there a difference between credit tradelines and other tradelines?

Not really. “Seasoned,” “authorized user,” and “piggybacking” are all the same thing as “credit” tradelines. These are just different terms. They are different in as much as “coke,” “cola,” and “pop” are different. At the end of the day, no matter what we call them, we’re talking about individuals being added as an authorized user to revolving lines of credit (for the purpose of increasing credit scores). This is colloquially referred to as tradelines for sale.

Now, “primary” tradelines are – technically – different. “Business” tradelines are different, too. But, neither of those terms are what they sound like. We’ve discussed those topics on other pages.

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12 thoughts on “Credit Tradelines”

  1. i’m trying to get a business loan for my business, and i have to personally guarantee it i need to raise my score fast, can you help me

    Reply

    1. It is possible. We’d need to discuss your overall credit situation to determine if tradelines would help. A credit report analysis is absolutely necessary. Also, we’d like to know from you if your lender mentioned thresholds, score requirements, etc. That would be helpful. Give us at call at 800-431-4741 or email us at info@superiortradelines.com

      Thanks!

      Reply

  4. Quick question, I have some old AU accounts that have been terminated since they expired. If I buy tradelines from you guys, would it be better if I got the old expired AU accounts removed first?

    Reply

    1. Generally speaking, it doesn’t matter. But depending on the particulars of those accounts, I may change my answer. For example, were the accounts in good standing, did they show balances when they were terminated, etc. As with all clients, if you purchase tradelines from us we would first do a complimentary (free) credit report analysis and let you know what we think prior to transacting. But, like I said, the general answer is: it doesn’t really matter if you remove them or not (generally speaking, barring significant issuee with the accounts).

      Reply

  6. My credit score is 615, I need to raise it to 680 to refinance with quicken and co-sign for my sons student loan. Adding tradeline will help?

    Reply

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