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What Is A Tradeline?
A tradeline is any account that apears on your credit report. This includes:
Credit Cards
Auto Loans
Mortgages
Student Loans & Personal Loans
Each of these tradelines also shows important details, like:
When The Account Was Opened
The Credit Limit or Loan Amount
Remaining Balance & Payment History
Current Status (Open, Closed, Good Standing, Charged Off)
So Why Does All That Matter?
We offer authorized user tradelines — meaning you can pay to be added as an authorized user on someone else’s well-established credit card account.
When you’re added, the positive history of that account (like age, payment record, and credit limit) is reported to your credit file. This can help improve key factors in your credit score and qualify you for better loan approvals, lower interest rates, and higher-limit credit cards. We'll explain why this is such a big deal.
Example 1:
Alex, 23, just graduated college and landed his first full-time job. He’s ready to finance a car through Chase Bank — but like many young adults, he has a limited credit history: one credit card which he used at the bar every weekend. With a score of 660, the bank offers him a 13% interest rate on a $40,000 loan — which would cost him $5,200 in interest over time. Alex uses ScoreBuddie to purchase a tradeline and is added to a 10-year-old credit card with perfect payment history and a $20,000 limit. Within a week, his credit score rises to 705, qualifying him for a new offer at 7% interest — saving him over $2,400 across the loan. That’s a real financial impact from one tradeline — and it cost him less than $199.
Example 2:
Jessica is a recently divorced, single mother of two. Her ex-husband used to cover many of their shared expenses, but now she’s juggling the bills herself. To make ends meet, she’s maxed out her credit cards, causing her credit score to drop. Living with her sister, she’s been denied for multiple apartment applications. Jessica purchases a tradeline with a $15,000 limit and strong credit history. It lowers her credit utilization, improves her credit age, and makes her profile look significantly more responsible. Within weeks, she’s approved for a new apartment close to her job — a stable, fresh start for her and her children.
Fully Customizable Plans To Meet Your Unique Needs
as low as
$169
What’s included
Guaranteed 30-49 Point Improvement
Added to 1 Premium Tradeline
Build Credit Age & Increase History By 1-2 Years
Add Up to $10,000 In Utilization Credit To Your Profile
24/7 Support / 6 Month Guarantee
Start Your Credit Off Strong. Qualify for Credit Cards and Loans
as low as
$249
What’s included
Guaranteed 50-129 Point Improvement
Added to 2-3 Premium Tradelines
Build Credit Age & Increase History By 3-6 Years
Add Up to $25,000 In Utilization Credit To Your Profile
24/7 Priority Support & Lifetime Guarantee
Perfect Your Credit. Increase Scores to Qualify for Low Interest Loans and Big Purchases
as low as
$399
What’s included
Guaranteed 130+ Point Improvement
Added to 3+ Premium Tradelines
Build Credit Age & Increase History By 7+ Years
Add Up to $100,000 In Utilization Credit To Your Profile
Eliminate Late Payments & Collections on Account
24/7 Priority Support & Lifetime Guarantee +
Advanced Credit Monitoring
Take A Step Further. Eliminate Negative Items. Save Your Credit Score.
1,100+
Respected Clients
$7,700,000
Loans & Purchases Made Possible
110+
Company & Credit Card Partners
$22,000,000+
Added To Client Credit Profiles
Frequently Asked Questions
While $169-399 may seem like a huge investment, many of our clients realize they can save thousands more in interest over the course of their loans or get approved for purchases they otherwise never would have.






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