What a tradeline is
A tradeline is any account that appears on a credit report, such as a credit card, auto loan or mortgage. Being added as an authorized user on someone else's account can add that account's history to your report, in some scoring models.
Cautions
- Results are not guaranteed, and some scoring models and lenders discount or ignore authorized-user accounts.
- Paying a stranger to be added to an account may be viewed negatively by lenders, and misrepresenting a purchased tradeline on a loan application can be unlawful.
- A family member or trusted person with a long, on-time account with low utilization is a safer, free option for some people.
- Better first steps for most people: fix errors, lower utilization, pay on time and consider a secured card or credit-builder loan.
Credit Readiness Hub does not sell or place tradelines at launch. Any future offer will be reviewed by counsel, require an audit first and be fully disclosed.
Next step
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