The category we operate in — authorized user tradelines — has been around for decades. It works. The mechanics are well-documented and legal under the Fair Credit Reporting Act. The problem isn’t the product. The problem is how it’s been sold.
What we do differently
- Public pricing.Every tradeline price is listed on the marketplace. Nothing is “quoted” in a private message.
- Live inventory. If a card shows two spots open, two spots are actually available — not three, not zero.
- Sign before you pay. Payment instructions don’t even render on your screen until the agreement is signed. It’s the legal standard, and it protects you from the most common scam pattern in this space.
- An AI assistant that knows the rules. Our assistant won’t promise you a 100-point score jump because no one can. It will tell you what tradelines are open, what they cost, and how long posting takes.
- Posting guarantee. If a tradeline hasn’t posted to at least one nationwide credit bureau within 45 days of our submitting its authorized-user request, we replace it with a comparable tradeline at no extra cost. If the replacement doesn’t post either, you choose another replacement or a refund for that tradeline. Each tradeline in your order is covered separately. It doesn’t cover a failure caused by inaccurate details you gave us, or by a freeze, fraud alert, or other credit-file issue on your side that you haven’t resolved after we’ve told you about it.
- We turn away files we can’t help. If your report carries heavy negative marks, we’ll tell you a tradeline isn’t the right tool — before you’ve paid anything.
Who this is for
People who’ve been told their credit is “too thin” to qualify for an apartment, a car loan, or a first credit card. People who’ve had setbacks and want a real path back. People who’ve been burned by sketchy credit operations before and want to see everything in writing before they make a decision.