A tradeline is an consumer’s credit account status and activity – for example, a credit card account or auto loan. Tradeline information includes names of the lender/bank where the applicant has accounts, the date that the accounts were opened, credit limits, account types, balances owed, and payment histories.

Authorized user tradelines are typically revolving lines of credit on which a primary cardholder with excellent credit adds someone as an authorized user or joint account holder. The tradeline then appears on the authorized user’s credit report. This action alone causes the entire history of the account to be reported as a tradeline on the (clients) credit report. The primary cardholder’s excellent credit history allows the authorized user to benefit and see an improvement to their credit score. Not only is the account history recorded, but also the credit limit and the month and year the account was established.

Adding an authorized user is legal. The process is explained in the primary cardholder’s credit card agreement. 1. There are no laws prohibiting the purchase of authorized user slots. 2. Credit repair attempts are not potential criminal activities. 3. Using authorized user tradelines is a widespread, recognized, and accepted practice in the credit industry.

No, the authorized user is never given access to the primary card holders credit card information. The primary cardholder does not need to share any personal or confidential data with the client (s).

Authorized users can only be added to credit cards and department store cards. These are considered revolving accounts. Priority Tradelines only add our clients to their personal credit report and not business account (s).

Please allow up to 1-2 days after the reporting date for the tradelines to post or appear on your credit report. It is important to update or refresh your credit report around the reporting time of your tradeline to see it reflect on your report. Reporting dates are listed on the buy Tradeline page and vary depending on the tradeline selected.

Our authorized user tradelines are good for 3 months/3 cycles. If you need a tradeline for a longer period of time, you may request an extension for an additional fee. Extensions are good for situations such as business funding, pre-approval or closing mortgages, or growing and rebuilding your credit score. We ask that you notify us via email 30 days prior to your tradeline expiration date.

No, the authorized user does not receive a card for use. The authorized user benefits from the account history, and credit limit.

Requirements vary however, credit card companies request the authorized user’s full legal name, social security number, date of birth, and current mailing address.

If the tradeline does not appear on the report within 2 days after the reporting date, please fill out the Non-Posting form at the bottom of our home page (PriorityTradelines.com). Our team will carefully review each case to ensure we meet your needs. Please review our Privacy Policy and Terms of Use for information regarding refunds and other concerns.

We update our website after each transaction to ensure that clients view and order the most current inventory. We also load new tradelines on the 3rd weekend of the month for the next upcoming month.

Tradelines vary on how effective they can impact a client's score. There are various factors that help determine an increase. For best practices please make sure that your credit has been repaired prior to adding tradelines. Derogatory items, such as collections and late payments will need to be removed first to see the best increase to your score. When shopping for a tradeline the "age of the account" column also known as "credit history" is important, the older tradeline you select the better the increase. We do not guarantee how many points you receive due to the various factors of credit. Some clients get 10-20, 40, or even 80 points or more. For better understanding you may schedule a consultation.

A thin file means that you like credit accounts both revolving and installment accounts (credit cards/Auto loans) which are imperative to increase your score. If you have a thin file then you will need more than 1 tradeline or you may need to open more accounts to help the tradeline report. If you do not have a credit card/auto loan then you are considered to have a thin file. We recommend having 3-5 accounts open on your credit report.

With each tradeline the balance owed, or utilization rate is 10% and under. In most cases accounts do not carry a balance and other do. If you need a tradeline with a balance contact us as specific lenders may want to see a current balance.

To verify the information on the order form we require that all clients upload their current Driver's license both front and back and their official social security card that was provided by the Social Security Administration. DO NOT UPLOAD A Counterfeit SS CARD/CPN made SS CARD. WE MONITOR AND WILL VERIFY. Furthermore, CPNs are not supported on our platform and no refunds will be provided. CPN Information will be provided to your local authorities..