Frequently Asked Questions

A tradeline is a credit account that appears on your credit report.  The reason it’s beneficial to add tradelines is that they essentially act as references for your credit score. For the purposes of our company, we sale tradelines by adding you as an authorized user on one or more of our tradeline accounts to help boost your credit score. When someone is added as an authorized user to someone else’s account, often the full history of the account is then reflected in the records of both the primary account holder and the authorized user. This is because credit records do not report the date the authorized user was added to the account. So, after the authorized user is added, their credit report may begin to show years of history associated with the account. This is often called "piggybacking" off of someone's good credit to establish your own.

To add tradelines to your credit report, you can either open your own primary account or you can be added as an authorized user to someone else’s credit account.

For many people, it is difficult to start building credit on their own because creditors are hesitant to lend to someone with no credit history, which is why purchasing tradelines is an appealing option.

If you are interested in becoming an authorized user on someone else's account, be sure to find someone you trust or purchase tradelines from a company that guarantees perfect payment histories and low utilization.

The cost of Fresh Credit tradelines depends on the age of the credit and the credit limit. The older the credit, the higher the limit, equates to a higher price. 

Adding tradelines is a great way for many people to boost their credit score. However, it doesn’t have the same results for everyone. If you have recent negative credit history, adding tradelines will not have a significant impact on your credit score. 

Each person has a different credit file along with the many factors that go into determining your credit score, it is impossible to guarantee a specific credit increase. No company is able to offer this. However, we can guarantee that the tradeline you choose is seasoned, with a low to zero utilization and zero missed payments.  

Upon purchasing the tradeline, the initial timeframe is 60 days. After the 60 days, there will be a monthly fee for the amount of the tradeline every 30 days. It is important to note that tradelines are meant to be a temporary solution. After a tradeline has been on your credit report for 3-6 months, we recommend you accomplish your credit goals immediately. 

After the tradelines are chosen and purchased before the reporting date, the process usually takes 5-7 business days. However, we give a 60-day grace period to ensure the tradeline is reporting on your credit report.