How do tradelines work?
We work with people who have high credit scores and clean payment histories and who are willing to add you as an authorized user on their credit card. After the bank reports the account to the credit bureaus, its positive history appears on your credit report, which can help your scores.
However, tradelines don’t suit every credit report. If yours has recent collections, charge-offs or late payments, a tradeline is unlikely to be a good fit, so talk to us before you buy.
Tradeline FAQs: buying, posting and legality
How does authorized user piggybacking work?
You’re added to an existing credit card as an authorized user. As a result, the account’s full history, including payment history, limit, utilization and age, shows up on your credit file. You don’t apply for credit, and you don’t take on the debt. Read the full guide →
What do piggybacking companies do?
Piggybacking companies, also called tradeline companies, connect buyers with cardholders who sell authorized user spots. In addition, they market tradelines to consumers, protect client identities and screen for fraud. Read more →
How long do tradelines take to post?
Most tradelines post within 15 to 45 days of being added. The timing depends on the bank’s statement date, when it reports to the bureaus and how long each bureau takes to process the update. For example, missing a cycle can add about 30 days. Read the full guide →
When will the tradeline post to my credit report?
The account can show up in as little as 11 days, depending on the tradeline’s statement date. If you think it hasn’t posted, first make sure the full reporting period has passed, then check your report again before contacting us. Read more →
How many bureaus do you guarantee the tradelines will report to?
We guarantee every tradeline will post to at least two of the three major bureaus. In practice, every bank we work with reports to all three, so most tradelines post to all three. Read more →
How long do tradelines stay on my credit report?
You stay an active authorized user for two reporting cycles, which is about two months. After that, the tradeline shows as closed. Even so, it usually stays on your report as history, and many banks report closed accounts for 7 to 10 years. Read more →
Can I keep a tradeline longer than 2 months?
Yes. We offer unlimited extensions, one cycle at a time. Each extension costs half the original purchase price and keeps the account active and open. Read the full guide →
When should I buy two or more tradelines?
Buy several if you have a thin file, have negative accounts to balance out, need results on a specific bureau or have a deadline coming up. On the other hand, one high-quality line is usually enough if your budget is limited, your file is already thick or your goals are modest. Read more →
Are tradelines legal?
Yes. Authorized user tradelines are legal in the United States, and the Equal Credit Opportunity Act protects their use in credit decisions. As of 2026, no federal law bans buying or selling authorized user positions. Read the full guide →
Should I buy primary tradelines?
No. A primary tradeline can’t be legally transferred to you. Companies that sell them are widely considered fraudulent, and buyers can face federal charges. Instead, authorized user tradelines are the legal alternative. Read more →
Does EzeCreditServices do credit repair?
No. We’re a platform for buying and selling authorized user tradelines. Because of that, we don’t give individual credit advice, dispute items or contact creditors for you. Read more →
Can tradelines help my business credit?
Indirectly. Our tradelines are on personal accounts. However, lenders often check your personal FICO score when they review business financing, and that includes the FICO SBSS score used for SBA loans. Read the full guide →
Video: the basics behind these tradeline FAQs, explained step by step.