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Best Tradelines To Build Credit [2022]

Good credit score. The chances are that you’ve encountered this term more times than you can remember – and there is a reason for that.

And that’s because a credit score impacts most aspects of your life. For instance, a good credit score can lead to faster loan approvals, lower interest rates, and suitable insurance policies.

Surprisingly, about 11.1% and 34.8% of the U.S population have poor and subprime credit scores, respectively. And only about 1.6% of the American population has a perfect fico score of 850.

person holding credit card

If you are among the Americans with bad credit scores, don’t fret. The good news is that you can improve your credit score in several easy ways, including buying a tradeline.

This post will detail everything about tradelines, including what they are, the best tradelines to build credit, and people’s common mistakes when buying them.

Let’s dive right in!

credit rating score with tradelines next to it

What’s a credit score?

A credit score measures your overall financial health and creditworthiness. And since your credit score plays a vital role in your financial identity, it’s advised that you build good credit as early as possible.

A lower credit score means you’ll likely receive poor loan payment terms and higher interest rates. On the other hand, a high credit score translates to favorable loans terms – because you have a positive credit history.

How can I improve my credit score?

You can fix it by enhancing your tradelines when you have bad credit. This involves making your monthly payments on time, leading to positive payment history, paying down debts, opening a secured credit card account, etc.

What happens if you don’t have time to wait and want to improve your credit score right away? You can buy a tradeline.

Let’s take a deeper dive into tradelines and where you can buy them.

credit score chart

What is a credit tradeline?

A tradeline is any account that appears on your business credit report. For example, when you acquire a new credit card and take new car loans to finance a payment, new tradelines are added to your credit report.

Tradelines store the creditor’s information records to calculate their credit report. They include a wealth of potentially helpful information, including:

  • Account type
  • Personal information like name, DoB, address, social security number
  • Available credit
  • Contact information
  • Minimum monthly payment
  • Payment status
  • Recent balance

You may benefit from individuals with positive credit history to enhance your credit score if they add you as an authorized user. You may ask friends and family members or anyone with exceptional credit history to add you as their AU.

However, not everyone gets the luxury of having family members or close friends add them as their AU, which is where credit tradeline companies come in. also called piggyback credit companies, credit tradeline firms sell you the right to be an authorized user on someone else’s account.

Note: it’s important to note that the owner of the authorized user account remains responsible for repaying the debts incurred.

Types of tradelines

Tradelines fall into three main categories, including:

  1. Revolving accounts, such as lines of credit or credit cards. They are called revolving because of the available credit, balance, and payment due to change.
  2. Open accounts can be paid in full when a buyer receives something of value.
  3. Installment loans, like student loans, mortgages, auto loans, and personal loans.

The elements and weight of credit tradelines vary from one category to another. For instance, falling behind on auto loans payment will likely cause more damage to your credit score than missing credit card payments.

What’s more, credit card tradeline includes your credit limit and utilization ratio, while auto loans tradeline doesn’t.

credit cards on a table

Which are the best tradelines to build credit?

Choosing the best tradeline company isn’t a cakewalk, especially now that you have thousands of options. Each firm has its benefits and drawbacks that make them unique.

Easy tradelines include opening up a new credit card or taking out an auto loan. However, if you have tried several times, taken a hit on your credit with inquiries and cannot seem to obtain credit, a tradeline that consists of monthly installment payments may be the way to go.

Here are three tested-and-proven tradeline companies:

Tradeline supply company

Although fairly new in the market, Tradeline Supply Company is one of the best tradeline companies in building credit. The company was established in 2017 and offered very competitive prices compared to other firms that have been in the game for longer.

The company has built one of the largest peer-to-peer tradeline marketplaces, supporting direct-to-consumer businesses and the secondary tradeline reseller markets. It was one of the few tradeline firms with automated online systems that allow people to purchase primary tradelines.

You can buy tradelines from the company online in an easy automated process. The platform also allows you to sell your credit history, provided you have an outstanding credit score and earn money passively.

Tradeline Supply Company has exquisite customer service and a very timely response time. They always resolve problems on time whenever they appear.

The company’s website is also loaded with educational information to help you build your credit score.

Why Tradeline Supply Company?

Tradeline Supply Company offers its consumers innumerable benefits, ranging from competitive pricing to the easy-to-checkout process. Below are reasons why you may consider this company over other competitors:

  • It provides you with deals on buying tradelines
  • It has some of the lowest prices in the market
  • It provides many details about the tradelines, including the price
  • You get two reporting cycles
  • The company can report to two to three credit major credit bureaus

Tradeline Supply Company cons

Every yin has a yang, so let’s see some of the drawbacks of Tradeline Supply Company:

  • The company doesn’t provide you with a guarantee on how a tradeline will impact your credit scores in the future
  • No professional to guide you through the process


BoostCredit101 is a firm that provides tradelines in 6 easy steps – Consultation > Reserve Tradelines > Sign Contract > Cardholders add > Tradelines Post > Results. The firm has a huge variety of authorized user tradelines for sale.

In the first process, BoostCredit101 provides a professional who guides you through the available choices. The professionals will consider your credit history, so they can find the ideal tradelines to improve your credit score.

The firm then selects the best options so that you may buy seasoned tradelines. You can filter the available tradeline options, including seasoned tradelines for sale, cheap tradelines for sale, tradelines to build credit etc.

You then sign a contract, after which you’ll have your name added to your credit card. The tradelines will then be posted, and your credit score growth will come in handy.

Let’s go through some of the benefits and drawbacks of using BoostCredit101 to improve your credit score.

BoostCredit101 pros

  • Learning resources are available on the website
  • You get access to a large variety of tradelines for sale
  • You’re provided with a professional advisor for consultation purposes
  • Trustworthy

BoostCredit101 cons

  • There is no sell option


CreditPro is one of the oldest and best tradeline companies in the U.S. The company has worked with thousands of credit reports, helping improve individuals’ credit scores.

And although the firm doesn’t guarantee you that you’ll get a good credit score, they guarantee that their credit lines have the perfect payment history and are seasoned with a minimum of 3 years.

CreditPro Pros

  • You get so many tradelines for sale with major credit card firms
  • It offers the chance to buy and sell tradelines
  • You get access to highly-aged credit lines

CreditPro Cons

  • No professional to guide you through the process
  • There are no educational resources for consumers

How long will the tradelines stay on my credit report?

After buying the tradelines to boost your credit, the chances are that you’ll want to know how long they remain on your report. Generally, the tradeline will stay on your credit line report for 2-6 months, depending on certain factors.

For instance, the types of tradelines and the type of company you use will affect the time it stays on your credit report. The tradelines will stay on your credit line report for 2-6 months but may extend up to 7 years, especially if you have positive tradelines.

The tradeline will remain on your credit report for as long as your account is open and active. If you close your account in good standing, the reporting and credit agencies decide how long they’ll maintain the trade line.

You should aim to have a good credit history so that you may achieve a specific goal. Then, practice good credit habits to improve your credit score permanently.

Note: Any tradeline of an account closed due to negative history will disappear from your report after seven years.

How do credit limits and utilization ratios impact tradelines?

A tradeline doesn’t affect your credit limit, mainly because financial institutions consider your income in calculating your credit limit. However, the tradeline will boost your credit utilization ratio.

Tradeline alternatives

There are several alternatives to tradelines that cost less and that may boost your credit score. These includes:

  • Using a credit builder loans
  • Applying for a secured credit card
  • Having family members as an authorized user

The bottom line

If you have been struggling with a low credit score, obtaining a secured credit card or small personal loan may help. If all else fails, buying a tradeline may be your way to go.

You can buy tradelines from trusted firms to build your credit score. This post provides you with detailed information about tradelines, including what they are and the best tradeline companies. Good luck as you purpose to use it to boost your credit score.

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