Tradeline packages, built by you
Our tradeline packages are built by you. Instead of a fixed bundle, you browse individual authorized user tradelines and combine the ones that fit your credit profile and budget. Pick one line or several, across a wide range of limits, ages and prices.
Home / Tradeline packages
We’ve moved to a better model
Build your own package
Build tradeline packages in three steps
Buying more than one line? Most banks offer bundle discounts, so you save 5% on 2 tradelines and 10% on 3 or more. Each bank’s page lists its exact terms.
02
Match limit and age
Only add lines that are older and have higher limits than the accounts already on your report.
03
Decide how many
Not sure how many tradelines you need? Read our guide on when to buy two or more.
Why we replaced fixed tradeline packages
Fixed bundles often made people pay for lines they did not need. For example, a package might pair a strong, high-limit card with a young, low-limit one, and the weaker line can pull down your average account age. Building your own package avoids that, because you only pay for accounts that actually improve your file.
It also keeps pricing clear. Every line in our inventory shows the bank, credit limit, account age and reporting date, so you can compare them side by side before you buy. If you want a second opinion, read our tradeline FAQs or give us a call.
How many lines should your tradeline package include?
That depends on your file. Thin files and files with negative accounts usually benefit from two or three lines. On the other hand, one well-aged, high-limit tradeline is often enough for a thick file or a modest goal. Federal Reserve research on authorized user accounts found the biggest gains go to people with thin credit files.
Video: how authorized user tradelines work, step by step.
Want help choosing tradeline packages?
Call (919) 200-0484 and we’ll suggest a combination that suits your file.