Short answer
No. Eze Credit Services doesn’t dispute or fix items on credit reports. We are an online platform where clients can buy and sell authorized user tradelines.
We don’t give individual credit advice, dispute items on your credit report or contact creditors and collection agencies for you. Instead, we offer access to seasoned tradelines and free guides that explain how the credit system works.
When credit repair makes sense, and when a tradeline does
Credit repair focuses on removing items that shouldn’t be on your report, such as accounts that aren’t yours or late payments reported by mistake. If your report has errors like these, fix them first. Under the Credit Repair Organizations Act, a credit repair company cannot charge you before it performs the service.
A tradeline works differently. Rather than removing anything, it adds an aged account with perfect payment history and low utilization. As a result, it tends to help most when your file is thin, young or carries high utilization. Many people do both: they fix errors first, then add a tradeline for positive history.
Video: how an authorized user tradeline adds positive history, which disputes alone cannot do.
Credit repair vs tradelines: common questions
What does Eze Credit Services actually offer?
We offer access to seasoned, positive tradelines. When you buy a tradeline through our platform, you are added as an authorized user on an established credit account with a strong payment history. The account may then report to Equifax, Experian and TransUnion, which can help your credit profile.
Do you provide individual credit advice?
We don’t provide individual credit advice or counseling. However, we do publish free guides with general information about the credit system, so our clients can make better decisions. For personal financial advice, we recommend a licensed financial professional.
Who can use Eze Credit Services?
Our platform is open to anyone looking to purchase authorized user tradelines. Whether you are building credit from scratch, recovering from past problems or preparing for a major financial goal, you can choose from lines listed by real cardholders with a range of limits, ages and utilization levels.
How do I get started?
First, browse the tradelines on our platform and pick the account that best fits your goals. Then complete your purchase. After that, our team coordinates adding you as an authorized user and keeps you updated on the reporting timeline. Most tradelines report within one to two billing cycles.
How is Eze Credit Services different from credit repair?
Credit repair companies usually dispute negative items on your credit report. We don’t do that. Instead, we give you access to established, positive tradelines that can add new positive history to your file. You can also dispute errors yourself for free, and the CFPB explains how.