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LEARN · PAID TRADELINES

Before you pay for a tradeline

A paid tradeline is placement as an authorized user on a stranger's credit card, sold for a limited time. The pitch often blurs three different things: being added, being reported, and being approved. We don't sell tradelines, and we don't recommend paid placements with strangers. Here's why, with the sources.

  • EP. 02

    Is buying tradelines legal?

    What the FTC, lenders and scoring models say.

  • EP. 19 · Coming soon

    Piggybacking credit explained

    The family version and the paid version.

  • EP. 22 · Coming soon

    Tradeline scams: 7 red flags before you pay anyone

    A printable checklist.

Red flag: "We'll give you a new credit identity." That's not an advanced authorized user strategy. The FTC warns these schemes can involve stolen Social Security numbers.