About Tradeline Club
How Credit Piggybacking Works
Tradelines 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.
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.