Frequently Asked Questions

Every recommendation starts with a real conversation. Your consultant reviews your actual credit report and looks at which factors would benefit most from a tradeline — whether that's account age, credit utilization, or payment history depth. Then we match you with specific accounts from our inventory that target those gaps. We don't hand you a price list and tell you to pick.

We offer authorized user tradelines on seasoned credit card accounts with major lenders including Citibank, Discover, Chase, Capital One, U.S. Bank, Barclays, Navy Federal, and more. Accounts vary in credit limit, age, and price — and your consultant will narrow down which ones make sense for your profile specifically.

Thin-file clients are actually a great fit for tradelines. Adding one or two seasoned accounts gives the bureaus the history they need to generate a score and evaluate you as a borrower. Your consultant will look at your situation and explain exactly what to expect.

Tradelines add positive history, which can offset some of the weight of negative marks — but they don't remove them. During your consultation we'll be honest with you about what tradelines can and can't do for your specific report. If credit repair makes more sense first, we'll tell you that.

As an authorized user, you're added to someone else's existing account — their history benefits your report, but you're not taking on any liability. A primary tradeline means you're the original account holder. Authorized user tradelines are legal, widely recognized, and explicitly reportable to bureaus. We only work with authorized user accounts.

We specialize in personal credit tradelines. Business credit reporting runs on a separate system (Dun & Bradstreet, Equifax Business, etc.). If you're unsure which type of credit you need to build, bring it up in your consultation — we'll help you think it through.

It's a real conversation — not a sales call. Your consultant reviews your credit report with you, asks about your goals and timeline, and gives you an honest picture of what tradelines can do for your situation. If they're not the right fit, we'll tell you. There's no commitment and no pressure.

It depends entirely on your current report. There's no universal answer, and anyone who gives you one without reviewing your file is guessing. Your consultant will look at your specific profile and give you a grounded recommendation. Most clients work with one to three lines.

Most tradelines post within 30 days of being added. In the best case — when the card's statement date falls right after you're added — posting can happen in as little as 2 weeks. We guarantee posting to at least 2 of 3 major bureaus within 60 days. If you have a specific deadline like a mortgage closing, tell your consultant upfront and we'll build your timeline around it.

If a tradeline fails to post to at least 2 of the 3 major bureaus within 60 days, you receive a full refund for that tradeline — no negotiation, no runaround. This is stated clearly in your service agreement before you spend anything.

Tradelines are typically listed for 2, 3, or 4 billing cycles. After the listing period, the cardholder removes you and the account begins to age off your report. The positive history it added during that window is what matters — and your consultant will explain what to expect after removal.

No. Credit repair — disputing and removing negative items — is a separate service that we don't provide. Our specialty is adding positive history through authorized user tradelines. If your situation calls for repair before tradelines, we'll tell you that honestly during your consultation rather than push you toward a purchase that won't help.

Yes. The authorized user mechanism is explicitly recognized in the Fair Credit Reporting Act and endorsed by the CFPB. It's the same practice parents have used for decades to help their children build credit. We operate entirely within applicable laws and guidelines — and we explain exactly how it works before you commit to anything.

No, and we never will. Credit Privacy Numbers are illegal. Using a CPN to apply for credit constitutes federal fraud, and anyone offering this service is putting their clients at serious legal risk. We only work with legitimate Social Security Numbers.

We collect your full legal name, current address, and Social Security Number — the same information a cardholder would need to add you as an authorized user. That information is used solely for that purpose and handled with strict confidentiality.

Client data is handled with strict confidentiality. We do not sell, share, or misuse personal information. Full details are in our Privacy Policy — and if you have questions before sharing anything, just ask your consultant.

We take the time to understand your situation before recommending anything. Many tradeline companies hand you a catalog and a price sheet. We start with a real conversation about your goals, your report, and what you're trying to accomplish — and we only recommend what we genuinely believe will help. We've operated this way since 2013.

That's exactly what the free consultation is for. Bring your questions, your skepticism, and your credit report. If tradelines don't make sense for where you are right now, your consultant will tell you — and point you in a more useful direction. We'd rather lose a sale than steer someone wrong.