Leading Through Innovation & Purpose
Prime Tradelines is a pioneer in making it possible for consumers to purchase authorized user tradelines with an easy, streamlined process. By leveraging innovative technology, we have been able to cut costs and make this product available to more consumers. Prime Tradelines is not a credit repair company and does not advertise this product for the purpose of boosting credit scores. Its products do not directly impact credit scores. There is no guarantee of any improvements to credit in any way. Instead, we are simply fighting for the rights of our customers to have the same opportunities as other more privileged Americans who have friends and family to provide them with this product.
About UsWhy Credit Matters
Your credit score opens — or closes — doors across every major financial decision in your life.
House
Almost everyone uses a mortgage to buy a house. Your credit score can have a major impact on the interest rate, and some banks will not lend without a minimum credit score. Banks also require a minimum number of open tradelines to qualify for a mortgage.
Car
Auto loans weigh heavily on credit. Interest rates can vary from 1.99%–18.99% largely based on credit. Auto loans are turned down every day over credit issues, lack of credit, and low credit scores.
Credit Cards
Credit card banks are very selective when it comes to people's credit. People with bad or limited credit often do not get offered the best credit cards and miss out on rewards while paying higher interest rates.
Personal Loan
Getting a personal loan or line of credit can be a very useful tool — starting businesses, paying for unexpected expenses, or seizing investment opportunities. Credit is at the heart of every lending decision.
Credit Score
A person's credit score has become one of the most important financial factors in our modern world. Leveraging a bank's willingness to lend is what drives our economy and opens doors to a myriad of options.
Our Mission
Providing Equal Opportunity
Traditionally, many parents have been advised to add their kids to their credit cards as authorized users to give them a head start in life. Sadly, not everyone has a parent with good credit to do that. A large-scale study of 300,000 credit profiles concluded that approximately one-third of our entire nation has one or more authorized user tradelines in their credit file. This same study pointed out that minorities and lower-income demographics were less likely to have these types of tradelines — further evidence of the inequality that exists in our financial system. Prime Tradelines helps reduce this inequality by providing equal opportunity for those who were not fortunate enough to have a friend or family member provide such a favor.
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