How It Works
Every order moves through the same four steps — the exact stages mapped out on the timeline below. Here is what happens at each one.
1. Browse & choose
Start by exploring tradelines from vetted Tradeline Partners. Each listing shows the account's age, limit, price, and terms up front, so you can compare openly and pick the one that fits your goals. That is the first node on the timeline below.
2. Secure checkout
Once you have found the right fit, you check out securely through the marketplace. Your details are protected at every step.
3. Get added as an authorized user
The Tradeline Partner adds you as an authorized user on the account. That means the account's history can appear on your credit file — it does not hand you a card, account access, or the ability to spend a cent.
4. Your report updates
From there it is down to the bureaus' reporting cycle. The account's history can show up on your report — often within a couple of weeks, though only the lender and bureaus control the exact date. That is the final stage on the timeline below.
Tradeline Timeline
A simple, secure, four-step process designed to protect both Members and Tradeline Partners at every stage.
Browse & Choose
Browse verified tradelines and pick the one that fits your goals.
Secure Checkout
Checkout is secure and straightforward — your details are protected at every step.
Get Added as AU
The Tradeline Partner adds you as an Authorized User. Credit history only — no card or account access.
Profile Updates
The Tradeline Partner's account history appears on your report — often within a couple of weeks.
Browse & Choose
Browse verified tradelines and pick the one that fits your goals.
Secure Checkout
Checkout is secure and straightforward — your details are protected at every step.
Get Added as AU
The Tradeline Partner adds you as an Authorized User. Credit history only — no card or account access.
Profile Updates
The Tradeline Partner's account history appears on your report — often within a couple of weeks.