GET YOUR CREDIT SCORE WHERE IT NEEDS TO BE
FAST. SIMPLE. EASY
To improve the quality of life for those who have a goal. To be a company that is forthcoming and reliable. To help those in need and to be a part of their journey to achieve financial freedom.
IT TAKES 7-14 DAY FROM THE STATEMENT DATE FOR THE TRADELINE TO SHOW ON YOUR REPORT.
If it has been 14 days after your statement date and the tradeline isn’t showing
on any of three bureaus, please fill out the form below so that we can give further instructions.
We can not accept CreditKarma.com for non-posting of an AU.
FREQUENTLY ASKED QUESTIONS
We provide authorized user tradelines to help your personal credit profile look favorable.
It is someone that is “authorized” to be placed on a primary cardholder’s account. When you become an authorized user on someone’s credit card account, you agree to adopt the future and past credit history of the account.
-Essentially, a credit card holder with perfect payment history adds you to their card. You do not get a physical card to use, but you do get the perfect credit history imprinted on your credit report. They generally stay active for 60-90 days unless otherwise stated. All cards are 15% utilization or less. In the time the cards are active on your credit report you should have a blueprint or plan on what financial goals you are trying to achieve during the time they are active.
All of our lines are active for 60 days. We do have cards that are for 90 day terms and we also offer custom prices for longer terms. If you purchase a 60 or 90 day term tradeline and feel that you need more time we can always extend your term for a lesser price.
After a tradeline is “terminated” or “closed”, it will still have a large, positive effect on your credit history and scores. Most tradelines will stay on your reports forever, or at the very least for many years. Tradeline Genie LLC cannot guarantee the exact amount of time they will show on your credit reports.
It is 100% legal to add authorized users to your account. As a matter of fact, many banks and lenders encourage it. It is no different than you adding a family member or friend on your card.
Unfortunately, there are many people out there that don’t have the luxury of another family member with good credit to help them move forward or overcome financial challenges. That is where we come in.
The only difference is that we do not allow our clients to use the cards or have any contact with the cardholders. The cardholders are paid for their time. Win-Win
Confidentially is important for both our cardholders and clients. We have worked with a number of attorneys and local law enforcement to provide protection and set precautionary measures for both our clients and our cardholders. There are softwares that we use to check all information provided to us when adding clients to cards.
We will not tolerate individuals that try to misuse our services to perform fraudulent acts.
Everybody’s credit profile is unique. Some people have a great score, but high utilization. Others may have many negative items or excessive inquiries. Then there are those that barely have anything, not even a score. If you have bad/fair credit with minimal negative items, little to no credit, or currently have good credit, then tradelines would be a perfect addition.
If you have a lot of collections, inquiries, or late payments then you would need credit repair before adding tradelines. If you are currently in the process of credit repair, we highly recommend you that wait until you are finished before adding tradelines to achieve the best result.
With any derogatory, charge-off’s, late payments, etc. Those negative accounts take a huge toll on the potential the tradelines have to offer.
We are affordable & reliable. We work with many individuals nationwide and we understand that our clients are going through credit challenges, financial hardships, and are simply trying to move up in life.
-No, they do not.
Clients added to any of our American Express cards (other than certain store cards banked through American Express) DO NOT SHOW HISTORY. Many of our clients who purchase these cards pair them with other tradelines that have good age. You then get a mix of age and credit limit .
-Given the short timeframe these tradelines are actively on your credit report, they typically report to at least two credit bureaus.
If the tradeline doesn’t report within the time frame quoted in the confirmation email, you must follow the non-posting instructions for us to further assist.-If a tradeline does not report by the seventh day after the statement date of the second billing cycle we WILL REFUND in full for that Tradeline.
If you wait 60 days after your statement date to let us know your line(s) did not report,
you will not get a refund.
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Location & Hours
Monday – Friday: 9:00 am – 5:00 pm