About Tradeline Club

How Credit Piggybacking Works

How credit piggybacking worksTradelines Club uses our inventory of low balance, high limit and perfect payment history credit cards to boost your credit score. Credit Boosting, sometimes called Credit Piggybacking, is achieved by adding your name as Authorized User to one of our cards for a set period of time. Once added as an authorized user, your credit score inherits positive factors that drastically increase your credit score (FICO® score) in less than 60 days – and we guarantee it! These positive credit boosting factors include:

  • Increase limit to balance (utilization) ratio
  • Increased overall average age of revolving accounts
  • Perfect payment history

Why does this work?

Credit card companies created the ability to add authorized users so that primary cardholders have the ability to add their employees, family members, dependants and friends to their accounts. The result is an amazing coincidence that results in the account history for that credit card appearing on the authorized user’s credit report. This “amazing coincidence” gives the authorized user a credit score boost, and allows them to attain financing for loans at favorable interest rates.

How is this legal?

Tradelines Club LLC has conducted extensive research and retained legal counsel to advise on the practice of paying someone to add an Authorized User to their credit card account. It is completely legal and is actually protected by the Equal Credit Opportunity Act (ECOA)!

People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating.

Know the facts about credit boosting

  • Authorized Users do not receive the physical credit card or have the ability to use the credit line, but they do get the increased score and perfect payment history.

  • Authorized Users cannot use the credit card or make any changes to the credit account, and they do not have the responsibility to repay any balances that are owed.

Our Commitment

There is opportunity on both sides of credit boosting. We pride ourselves on providing the best service to our card holders, and customers that purchase our tradelines.

We pay the most generous commissions for authorized user spots and affiliate bonuses for cardholder referrals in the industry. To us, this business is a wealth-building club. We want our club filled with honest, like-minded individuals that bring their families, friends, and people they trust into the fold. That way we all benefit fast and big – not just the guys at the top!

If you are already selling your authorized user spots (tradelines) and only getting small commissions (like $50 per spot) you are not being paid fairly. Call us and we’ll give you a free, no-obligation estimate on what you should be receiving for your valuable tradelines. After all, you put in the effort of paying your loans and credit cards on time, therefore, you should receive an appropriate reward.

We’re fair, we’re proud of it! And we want to work with you! Give us a call and start making the money you deserve.


We understand that selling your tradelines is often your second job or side business. We are always available to take your call in the evenings and on the weekends.

Start earning with your great credit.

Give us a call to learn more about selling your tradelines.