Best Tradeline Companies [2024] Improve Your Credit

Your credit score is a huge part of your financial future. In many cases, you’ll need to complete a credit check to secure housing, buy a car, or even open an internet service account. 

In the last quarter of 2023, US credit card debt alone exceeded $1 trillion for the first time ever. If you’re looking to improve your credit score quickly, opening authorized user tradelines is one option to explore. Here are some of the best tradeline companies of 2024 and what you need to know before signing up. 

What Are Tradeline Companies? 

A tradeline is any account that shows up on your credit report. Some common examples of tradelines include credit cards, personal loans, and mortgages. 

Tradeline companies focus specifically on authorized user tradelines. These are tradelines where you are an authorized user on the account, rather than the owner. 

Becoming an authorized user on someone else’s tradelines can be a very effective way to improve your credit. The best tradeline companies connect people who are looking to improve their credit and people who have authorized user tradelines to share.   

How Do Tradeline Companies Work? 

Many credit cards, personal loans, and other types of tradelines allow you to add an authorized user to your account. People who have these tradelines and have good credit will work with tradeline companies to sell their authorized user slots. 

If you’re looking to improve your credit, you can pay a tradeline company to become an authorized user on one of these accounts. You’ll browse a list of open tradelines for sale and choose one that fits your needs. You won’t have access to the tradeline, but your credit score will benefit from being an authorized user. 

It’s important to note that there’s no guarantee that your credit score will go up, although most people do see an increase. Always research the best tradelines for credit thoroughly before signing up, and only work with trustworthy providers.  

The Best Tradeline Companies

There are many tradeline companies on the market, but they’re not all created equal. It’s very important to choose a reputable tradeline company, as they will have access to sensitive financial information. Here are some of the best tradeline companies on the market right now. 

1 – Tradeline Supply Company

Best for: Large selection of tradelines

Tradeline Supply Company is a well-established provider of the best tradelines for credit. Buyers can browse an extensive list of available tradelines, which come with detailed information about the tradeline’s age and credit limit. You can use this information to choose the best tradeline for your needs. 

To buy tradelines, you’ll need to add them to your cart and complete some paperwork. This includes agreeing to terms and conditions, uploading your driver’s license and social security card, and providing your bank account information. Once you complete your order, it can take time for the transaction to finalize. 

One of the biggest benefits of using Tradeline Supply Company is the sheer volume of tradelines available at any given time. Tradeline Supply Company also offers package deal discounts, which means you’ll save money by buying multiple tradelines. 

However, there are a few downsides to using Tradeline Supply Company. The most attractive tradelines come with a high price tag, which means they won’t be accessible to everyone. Additionally, many tradelines are only active for a short period of time, so you’ll need to finalize your purchase before the deadline. 

2 – BoostCredit101

Best for: Buyers who want a professional consultation

BoostCredit101 is another one of the best tradeline companies that works with clients to boost their credit. This company is unique in that it offers a free consultation for clients before they purchase a tradeline. Their team can help you identify the best tradelines to purchase based on your situation and credit goals. 

To purchase tradelines with BoostCredit101, you’ll start by filling out a pre-qualification form and completing your consultation. Customers will need to go through a multi-level verification system before making a purchase, which helps the company protect their sellers. Then, you’ll decide which tradelines you want to purchase and sign a contract. Once the purchase is finalized, you’ll be an authorized user on the tradeline for at least two payment cycles. 

BoostCredit101 stores customer data on encrypted servers for extra security. They also remove customer data from their servers every 90 days. Security is a crucial consideration when choosing a tradeline company, as they will have access to very sensitive customer data. 

3 – Superior Tradelines

Best for: User-friendly site

Like the other companies on this list, Superior Tradelines allows clients to buy authorized user tradelines with the goal of improving their credit. When compared to other options on this list, Superior Tradelines offers a very welcoming, user-friendly website with extensive resources for clients. 

These include a tradeline credit simulator, which is an interactive tool that helps potential clients decide if tradelines are right for them. Superior Tradelines also offers consultations for customers who need them. 

The downside of Superior Tradelines is that you’ll need to make an account on their website in order to browse available tradelines. This makes it difficult to price compare options before starting the shopping process. 

Alternatives to Tradeline Companies

The best tradeline companies aren’t the only way to improve your credit score. While tradelines can give your score a big boost, they’re pricey and require you to submit a significant amount of personal information. Here are some lower-risk alternatives to tradeline companies to try. 

Dovly

Dovly is a credit monitoring app that provides tips and tricks to improve your credit score. It’s one of the best credit repair companies available. You’ll get credit reports and identity theft alerts as well as credit tips to help you improve your score. 

Dovly also identifies potential errors on your credit report and allows you to file disputes with TransUnion directly through the app. There are both free and premium subscription options available, and users who purchase the premium option will get access to AI-powered credit advice to help you improve your score quickly. 

This app can help you identify the things that are holding your credit score back so you can make changes. You’ll also learn about how credit scores work so you can maintain yours in the future. 

Learn more about the platform in our Dovly review. 

Kikoff

Kikoff is a credit-building platform that uses simple but effective strategies to improve your score. Through Kikoff, you can open up a credit account with no credit check required. You’ll have access to a small line of credit, which you can use to make purchases. By making on-time monthly payments to your Kikoff account, you’ll slowly improve your credit score. 

The app also comes with rent reporting, which can also help you boost your credit. With rent reporting, Kikoff will submit your on-time rent payments to the major credit bureaus. This helps improve your payment history for a better score. 

If you have any errors on your credit report, Kikoff can help you with that too by filing disputes. This helps get the erroneous items removed from your report. 

Check out our Kikoff review to learn more about it. 

CreditStrong

CreditStrong is a platform that focuses on one specific aspect of your credit report: credit utilization. CreditStrong’s Revolv platform opens a revolving credit account for you, which increases the amount of credit you have and lowers your total utilization rate. This can help boost your credit score quickly. 

You can also make monthly payments to a savings account through CreditStrong to improve your score. CreditStrong reports each savings payment to the major credit bureaus to supplement your payment history. This also helps increase your credit limit, which lowers your utilization even further. 

CreditStrong doesn’t do a credit check when you open an account, so you don’t need credit history to get started. There’s also the option to cancel at any time. 

Read our CreditStrong review to learn more about how it works. 

For even more ways to improve your credit, check out these companies: 

• StellarFi (read this full StellarFi review)
• Cushion (read this full Cushion App review)
• Cleo (read this full Cleo Credit Builder Card review)
• Chime (read this full Chime review)
• Nevly Money (read this Nevly Money review)

Commonly Asked Questions About Tradeline Companies

How Do I Choose a Good Tradeline? 

When shopping for tradelines, it’s important to review the account’s financial information first. You should look for a tradeline that has been open for a long time, as this will help boost the length of your credit history. You should also opt for a tradeline that has a high credit limit, low utilization, and a consistent history of on-time payments. 

How Fast Will a Tradeline Boost My Credit? 

Once you’ve purchased a tradeline, the transaction can take time to finalize. You’ll also need to wait for your monthly credit report to refresh. Most people see a credit score increase in one to two months with the best tradeline companies. 

Meanwhile, if you want to make payments on your purchases without impacting your credit score, check out these no credit check shopping sites.

Are Tradelines Worth Buying? 

Tradelines can be an effective way to boost your credit score, but they’re not right for everyone. Tradelines are best for people who don’t have much credit history and are looking to boost their score quickly to reach a specific financial goal. 

Purchasing tradelines can be expensive, so they’re not the best option if you’re on a tight budget. Tradelines also aren’t a quick fix for extremely bad credit reports. If you have accounts in collections or have fraud alerts on your account, you’ll need to address those items first. 

What Are Some Good Primary Tradelines? 

Primary tradelines are credit accounts taken out in your name. While you can’t buy these through tradeline companies, opening them is an important part of building your credit history. The best tradelines for credit are usually credit cards or credit lines with low interest rates, which you can find through your bank. Find out first if you’re likely to meet the minimum credit score for credit card approval.