Utilization

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              Tradelines can boost your credit score and here's how:

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​We add you or your client as an authorized user to one of the tradelines that has the available limit and positive payment history. The issuing bank i.e. (Bank of America, Chase, Discover, Wells Fargo, CITI) then reports the positive credit history including the age of the account, the limit to the tradeline and the positive payment history to Experian, TransUnion and Equifax. The payment history, age, and limit have direct impact on the FICO credit score module which impacts your utilization ratio, average credit age and payment history. To further understand how it may impact your score please refer to graph below:

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

350-579 – Poor
580-619 – Below Average
620-659 - Average
660-719 – Good
720-850 – Excellent

Now let take a look at how Experian, Equifax and Transunion calculate your score:
[Credit Score Calculation Percentages]

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We rent out such lines of credit, called tradelines. Once we add your name to a tradeline, or usually several tradelines, you inherit the benefit of that account as if you were the owner from the date that account was opened.

How do you know how many tradeline(s) to buy?
To achieve maximum results we recommend to start with a minimum of 2-3 tradelines per file with similar limits and age. 

We are a company dedicated to improving credit scores through the use of authorized user and seasoned tradelines, enabling consumer benefit in a buyer’s economy. If you are looking for authorized user tradelines for sale, you’ve come to the right place!  We take pride in our business ethics and will do what it takes to make you and your clients happy!

WELCOME