Knowledge Base
Everything you need to understand tradelines, authorized user accounts, and how to use them to build real credit history — explained clearly and honestly.
Everything a first-time buyer needs to know — what tradelines are, how they work, and why they matter for your credit score.
Not all tradelines are equal. Learn the four factors — age, limit, utilization, and payment history — that determine how much impact a tradeline will have.
The most costly errors buyers make — from chasing the wrong metrics to poor timing — and exactly how to avoid them.
One tradeline or several? The answer depends on your current profile. Here is how to figure out the right number for your specific goals.
Timing your purchase around the credit card billing cycle is the single most important factor in getting maximum impact from a tradeline.
A practical guide to using authorized user tradelines as part of a long-term credit-building strategy — not just a quick fix.
Credit repair removes negative items. Tradelines add positive history. Understanding the difference helps you choose the right tool for your situation.
One-third of Americans have tradelines working for them. Two-thirds do not. Here is why that gap exists — and what you can do about it.
FAQ · 7 min read
A tradeline is any account that appears on your credit report — and understanding how they work is the first step to taking control of your financial future.
FAQ · 6 min read
Yes. The authorized user model is explicitly recognized by federal law and has been used by families for decades. Here is the full legal case.
FAQ · 5 min read
Tradelines typically post within 11–29 days of purchase, depending on where you are in the card's billing cycle. Here is exactly how to plan around it.
FAQ · 4 min read
No. As an authorized user you receive the credit benefit — the account history posts to your report — but no physical card is issued to you.
FAQ · 4 min read
Yes. If your tradeline does not post to all three bureaus within the reporting window, we will re-add you at no charge or issue a full refund.
Browse our available tradelines and take the first step toward equal credit opportunity.
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