Tired of Your Credit Score Working Against You?
Discover the Magic of Seasoned Tradelines

A Tradeline is simply a credit account that has been in existence for a time, and has a credit limit, some charges that are being paid regularly and promptly, and is associated with a debtor. The history and limits of a Tradeline are part of the calculations that the credit bureaus formulate in coming up with a credit score.

A Seasoned Tradeline is one with a long history of prompt payments, a low ratio of credit used, a high limit and has been open for a long time. And, Associated Seasoned Tradelines are those that you can become attached to, transferring the credit reporting data from the Seasoned Tradelines to your own credit report. If you add tradelines with a longer history than your own, these increase your credit history accordingly, which will help you realize your dreams and goals – without waiting years for your own accounts to season.

On March 3, 2010, the Federal Reserve board published a report on what they called “piggybacking” – permitting Authorized Users to be added onto a revolving credit card. It explains that a user permitted to be added to an account – even for a short period of time – “may improve an individual’s credit score, potentially increasing access to credit or reducing borrowing costs”

This report explains the process and validates the methodology, but it goes on to conclude that associating creditors on credit accounts actually increases the likelihood that an associate is credit worthy; “these same results suggest that the predictiveness of the credit scoring model without authorized user tradelines is somewhat diminished from that of the model that incorporates authorized user account information. This suggests that authorized user accounts provide useful information and there may be some downside to excluding this information from credit scoring models.”

No. We only work with Social Security numbers. CPN (Credit Privacy Number) or SCN ( Secondary Credit Number ) are not allowed. ○

We only guarantee 2/3 credit bureaus because we do not have full control over how a specific bank (Chase, Discover, BofA, Citi and etc) will report the authorized user data. Although most of our tradelines tend to post to 3/3 credit bureaus (TransUnion, Equifax, Experian) occasionally they report only to 2/3 bureaus which is what our company guarantee is.