Achieve Your Financial Goals With Premium Tradelines

We've helped thousands of clients secure better loan terms, lower interest rates, and improved financial opportunities through our strategic credit enhancement services.

Qualify for your first credit card, apartment, home purchase and more—wherever you’re at, we’ve got something that fits and someone to help make it happen.
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We Help You Get Approved At Over 2,000 Banks, Lenders & Credit Unions
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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)

DID YOU KNOW
Over $7,700,000+ in Loans & Purchases Have Been Originated Thanks to ScoreBuddie

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

Standard Credit Plan
as low as

$169

USD
perfect for quick improvements and individuals with no credit history

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

Premium Credit Plan
as low as

$249

USD
qualify for apartments, car purchases, personal loans and more

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

Deluxe Credit Plan
as low as

$399

USD
save your credit from collections, late payments, and high credit usage

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

Support

Frequently Asked Questions

What is a credit tradeline?
Put simply, a tradeline is a credit account that appears on your credit report — for example, a credit card with a long history and a strong payment record. We leverage seasoned, high-quality tradelines like these and add them to your profile so you can potentially improve your credit profile at a much faster and reliable rate than found anywhere else. A successful boost can help qualify you for better loans and interest rates.
Is buying tradelines legal and safe?
Yes. Purchasing an authorized user tradeline is one of the few safe and few legal ways to improve your credit relatively quickly. We comply with all applicable laws and regulations and use reputable partners to provide our services to ensure your information or accounts are not put to risk. In the case you are not satisfied, we hold ourselves to provide a replacement and/or refund.
How much do your tradelines cost?
We generally offer services in three tiers: standard ($169+), premium ($249+) and deluxe ($399+). A standard plan will generally include a moderate score boost and improvement in credit history, while premium/deluxe plans will offer greater improvements to help qualify for major purchases such as car loans and mortgages. We clearly display pricing on our website before purchase, so you know exactly what you’re paying and what you’re getting.

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.
How long until an improvement shows on my credit?
In most cases, once you complete our required steps and the account is scheduled for reporting, the tradeline should appear on your account within one billing cycle (typically 2-4 weeks). In some cases, we are able to expedite this to 1-2 weeks at no additional charge, depending on the issuers we have available at any given time. You will receive an exact estimate prior to purchase.
Will the tradeline stay on my credit report forever?
The tradeline will typically remain open and in good standing for one year on your account. This allows sufficient time for your credit history to improve and adjust, also qualifying you for any loans you are seeking for a long period of time. We offer optional extensions or renewals after one year if you want to completely minimize the risk of score drops and keep a perfect credit file (not necessary for most people).
What kind of credit score increase can I expect?
We cannot guarantee a specific score increase, because individual results depend on your full credit profile (existing accounts, derogatory marks, utilization, etc). However, clients who pair our tradelines with good credit practices typically see improvements of at least 30 points and up to 150 points in a short period. Generally, the more high-quality accounts added to your profile, the greater an improvement you will see. We also provide best-practice suggestions to maximize benefits.
How many tradelines should I buy and when?
The right number depends on your credit profile and goals. If you have a thin file (very few accounts) you may benefit more from 1-2 strong tradelines. If you’re working toward a major milestone (mortgage, business funding), you might plan for more. We provide complimentary consultation to all our clients and a “tradeline plan” to help you select the number and timing.
Could you help me choose the best tradeline for my situation?  
All our customers and clients receive a complimentary consultation ($49 value) where one of our credit agents will go over the best plan for your personal situation and financial goals. To get started, click here. You can receive your free consultation via email or online meeting.
Can I use a tradeline to get approved for a car loan or apartment?
Many clients purchase tradelines before major applications like auto loans, apartments, or personal loans. A stronger credit report can improve your approval odds as well as make you more attractive to lenders.
When is the best time to purchase a tradeline?
Ideally 1–2 months before applying for major credit — such as a car loan, credit card, business funding, or an apartment. This gives the tradeline time to post and stabilize: improving your score, history and odds of being approved for low-interest premium loans.
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Get Started Today

Ready to take the next step? Reach out to our team below: