A Tradeline is a record of activity for any credit account listed on a consumer’s credit report. It includes details such as the account type, credit limit, payment history, and status. Tradelines play a crucial role in determining credit scores, as they provide lenders with insights into a borrower’s financial responsibility.
We offer 3 types of tradelines
Authorized User (AU) Tradelines
Boost your personal credit score by being added as an authorized user on a seasoned credit card account. These tradelines do not make you financially responsible but can increase your age of credit, improve utilization, and help improve your score quickly.
Primary Personal Credit Tradelines
Get added as the primary account holder to a real revolving or installment account. These lines report under your name — not as an authorized user — offering stronger, long-term personal credit growth.
Business Credit Tradelines (EIN-based)
These tradelines report to your business credit profile under your EIN, not your SSN. Build strong business credit with aged vendor and financial tradelines that report to bureaus like Experian Business and SBFE.