First, what is a tradeline? A tradeline is the industry term for any credit account that appears on your credit report. We evaluate your credit reports to see if tradelines will help; if so, we get your data, submit it to the lender (e.g. Chase, Bank of America, Discover, etc) and the lender reports the data to the credit bureaus. When this data posts, your score will experience a boost.

    What makes tradelines so effective? Glad you asked.

    First, have a look at how the 3 credit bureaus evaluate your score.

    Tradelines provide positive data on three evaluation factors:

    Payment History

    Amount owed

    Length of History

    These factors comprise as much as 60% of your credit score. When we post an AU, you are benefiting from the age of the tradeline, the availability of the limit (always utilized under 10%), and the perfect payment history.

    Looking at the credit scale is like looking at the grading scale back in school.


    FICO Score ranges from 350 – 850, where 350 being the lowest credit score and 850 being the highest:

    • 350-579 – Poor – F Grade
    • 580-619 – Below Average – D Grade
    • 620-659 – Average -C Grade
    • 660-719 – Good – B Grade
    • 720-850 – Excellent – A Grade

    Tradelines can help move you an entire grade, which could be the difference in getting an approval, or that next rate tier, saving you thousands over the course of the loan.

    To achieve maximum results we recommend to start with a minimum of 2-3 tradelines per file with similar limits and age. Please click here to “Select Your Tradelines” or “Request A Callback below