If you’ve struggled to build your credit in the past, we’re sure that being told there can be a quick, easy, and faster way to do it has your attention…and possibly a few questions. Here’s what we do: we offer authorized user trade lines. In other words, we’ve assembled people with high credit scores and perfect credit who are willing to add you as an authorized user on their credit card account.

It’s also important to note that while trade lines can be very helpful, they don’t work for every type of credit report. For example, if your report has recent collections, charge offs or late payments, it is highly likely that trade lines will not be a good fit for your credit.  We highly recommend you talk to a Tradeline specialist before you start anything.

Credit repair vs Tradelines

The term “credit repair” can mean different things to different people. Generally, it refers to the process of fixing poor credit caused by errors in your credit report or identity theft. This involves disputing inaccurate information with the credit bureaus, who will then investigate and take appropriate action.

For instance, if there are collections on your credit report with incorrect information, you can dispute these entries to have them updated or removed.

Sometimes, “credit repair” also refers to improving bad credit in general through traditional methods such as making all accounts current and paying down debts.

If you’re considering credit repair services, you might be looking to fix bad credit by disputing inaccurate negative information in your credit file. This can be appealing if your credit score is below average.

However, it’s important to note the limitations of credit repair. These services focus on removing information from your credit file, and once this is done, your file might lack a substantial credit history. This is especially true for less reputable companies that use questionable methods to “sweep” your credit file clean.

To truly improve your credit score, it’s crucial to not only remove inaccurate negative information but also to work on rebuilding your credit.

Tradelines vs. Credit Repair: What’s the Difference?

Addition and Subtraction

Credit repair involves removing negative information from your credit report, while adding tradelines introduces new information to your credit report.

A tradeline is any account listed in your credit file. Adding tradelines can enhance your credit profile, especially for those with short or thin credit histories, or for individuals recovering from bad credit.

A short credit history means your credit file is relatively new, while a thin credit history means you have few accounts listed. Both the length of your credit history and the diversity of your credit mix are factors in credit scoring models. A short or thin credit file can lead to a lower credit score.

One effective strategy to improve your credit is to become an authorized user on tradelines that are in good standing and have been active for a long time, known as “seasoned” tradelines. This can increase your credit history length and diversify your account mix.

Moreover, seasoned tradelines from reputable companies often have perfect payment histories and low utilization ratios, positively impacting key components of your credit score.

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