AI-powered recommendations

Our AI finds the right tradeline for your goal

Share a few details about your credit file and we'll recommend authorized-user tradelines that fit. Recommendations are informational — adding a tradeline builds positive payment history; it doesn't guarantee any specific score result.

Your free tradeline recommendation.

Explained against your profile. Your part usually takes about two minutes.

We use what you share only to build and address your recommendations.

No Social Security number is needed to see this recommendation.

What we do with your report

We never ask for account numbers here. If you upload your report, we remove identifying details from it before any AI analysis.

What are you building credit for?

A sentence in your own words — for example, "I want to rent an apartment." The more you tell us, the better the match.

What you tell us about your goal never changes what a tradeline costs.

How much do you want to spend?

Stronger tradelines add more of what most goals need — more available credit and more history.

Most affordableMiddle of the roadThe strongest we have

How soon do you need this?

No rush — pick from your best available tradelinesAs soon as possible

Your state

Consumer Credit File Rights Under State and Federal Law

Upload your credit report

Have a PDF from MyScoreIQ or another provider? Upload it and we'll read the de-identified highlights — then discard the file.

If you upload your report, the first name printed on it is used only to address your results — it's kept only with your saved results and never sent to the AI.

Drag your credit-report PDF here, or

Answer the questions above to continue.

We read your report only to recommend tradelines and address your results, then immediately discard the file.

Don't have a credit report at all? Where to get one

Don't have a credit report yet?

Get your 3-bureau report from a monitoring service, then come back and upload it so we can match you to the right tradeline. MyScoreIQ is the report our analysis reads best.

Get my report at MyScoreIQ →

Get your 3-bureau credit report and ongoing monitoring, then come back and upload it so we can match you to the right tradeline.

Other options

SmartCredit →

Experian →

Answer a few questions instead