⏣TRADELINE EXCHANGE
TRADELINE EXCHANGEGoogle Play●NAHREP#46422●ChaseChaseCitibankCitibankBarclaysBarclaysSynchrony BankSynchrony BankCapital OneCapital One●
TRADELINE EXCHANGEGoogle Play●NAHREP#46422●ChaseChaseCitibankCitibankBarclaysBarclaysSynchrony BankSynchrony BankCapital OneCapital One●
TRADELINE EXCHANGEGoogle Play●NAHREP#46422●ChaseChaseCitibankCitibankBarclaysBarclaysSynchrony BankSynchrony BankCapital OneCapital One●
TRADELINE EXCHANGEGoogle Play●NAHREP#46422●ChaseChaseCitibankCitibankBarclaysBarclaysSynchrony BankSynchrony BankCapital OneCapital One●
TRADELINE EXCHANGEGoogle Play●NAHREP#46422●ChaseChaseCitibankCitibankBarclaysBarclaysSynchrony BankSynchrony BankCapital OneCapital One●
TRADELINE EXCHANGEGoogle Play●NAHREP#46422●ChaseChaseCitibankCitibankBarclaysBarclaysSynchrony BankSynchrony BankCapital OneCapital One●
TRADELINE EXCHANGEGoogle Play●NAHREP#46422●ChaseChaseCitibankCitibankBarclaysBarclaysSynchrony BankSynchrony BankCapital OneCapital One●
TRADELINE EXCHANGEGoogle Play●NAHREP#46422●ChaseChaseCitibankCitibankBarclaysBarclaysSynchrony BankSynchrony BankCapital OneCapital One●
Live · $1k – $50k credit limit ranges available

Buy Premium Credit Card
Tradelines for Sale.

Tradeline Exchange is a marketplace for credit card tradelines— aged, seasoned credit cards you're added to as an authorized user. Choose premium cards with $1k–$50k limits, years of perfect payment history, and low utilization, so the account reports to all three bureaus and lifts your score fast.

Browse aged tradelines by bank, credit limit, and utilization. Every listing reports for 3 full reporting cycles — 4 full months.

Tradeline Exchange has over $3M of available lines of credit at any given day.

All tradelines report to all three major credit bureaus and come with:

  • Perfect payment history
  • Years of backdated positive payment history
  • Low debt-to-limit ratios

Every account listed is owned and fully controlled by Tradeline Exchange/ Legal X Global LLC.

Open marketplace →Estimate score boost
Avg lift
+87 pts
CAPITAL ONEVentureLMT $1,000AGE 5y+UTL 0%▲ $700 PIF•
CAPITAL ONEVentureLMT $1,000AGE 5y+UTL 0%▲ $700 PIF•
CAPITAL ONEQuicksilverLMT $10,000AGE 10y+UTL 0%▲ $1,250 PIF•
CAPITAL ONEPlatinumLMT $1,000AGE 5y+UTL 0%▲ $700 PIF•
CAPITAL ONESecuredLMT $500AGE 1y+UTL 0%▲ $350 PIF•
CHASEFreedom UnlimitedLMT $7,000AGE 5y+UTL 0%▲ $1,100 PIF•
CAPITAL ONEQuicksilverLMT $8,400AGE 10y+UTL 10%▲ $1,500 PIF•
CAPITAL ONEQuicksilverLMT $10,000AGE 3y+UTL 35%▲ $1,350 PIF•
ELANVisa PlatinumLMT $4,000AGE 4y+UTL 0%▲ $900 PIF•
VISA SIGNATUREWyndham RewardsLMT $18,000AGE 13y+UTL 30%▲ $1,500 PIF•
SYNCHRONY BANKBelk Master CardLMT $1,000AGE 7y+UTL 0%▲ $700 PIF•
CAPITAL ONEVentureLMT $1,000AGE 5y+UTL 0%▲ $700 PIF•
CAPITAL ONEVentureLMT $1,000AGE 5y+UTL 0%▲ $700 PIF•
CAPITAL ONEQuicksilverLMT $10,000AGE 10y+UTL 0%▲ $1,250 PIF•
CAPITAL ONEPlatinumLMT $1,000AGE 5y+UTL 0%▲ $700 PIF•
CAPITAL ONESecuredLMT $500AGE 1y+UTL 0%▲ $350 PIF•
CHASEFreedom UnlimitedLMT $7,000AGE 5y+UTL 0%▲ $1,100 PIF•
CAPITAL ONEQuicksilverLMT $8,400AGE 10y+UTL 10%▲ $1,500 PIF•
CAPITAL ONEQuicksilverLMT $10,000AGE 3y+UTL 35%▲ $1,350 PIF•
ELANVisa PlatinumLMT $4,000AGE 4y+UTL 0%▲ $900 PIF•
VISA SIGNATUREWyndham RewardsLMT $18,000AGE 13y+UTL 30%▲ $1,500 PIF•
SYNCHRONY BANKBelk Master CardLMT $1,000AGE 7y+UTL 0%▲ $700 PIF•
// market

The tradeline order book

Premium Aged Credit Card Tradelines
Backed by Real KYC-Verified Prime Credit Cards Owned & Controlled by Tradeline Exchange
Filter • Reserve • Buy

PIF = Pay In Full — a one-time payment that covers all reporting cycles for the tradeline.

Private Inventory: The inventory posted on the exchange is not all of our inventory. We hold a private reserve of premium tradelines that never gets listed publicly. Want access? Text us and we'll walk you through what's available.
Sold Out
CITIBANK

Double Cash Card

AAACard #410
Limit
$15,000
Age
7y+
Util
< 1%
Reporting Date13th of every monthNext: Nov 13 · 17d
Card price
$375/mo x 3 months or $850 PIF4 months/3 full reporting cycles
Sold Out
CAPITAL ONE

Quicksilver

AAACard #971
Limit
$10,000
Age
10y+
Util
0%
Card price
$475/mo x 3 months or $1100 PIF4 months/3 full reporting cycles
CHASE

Slate Edge

AAACard #725
Limit
$4,000
Age
3y+
Util
25%
Reporting Date27th of every monthNext: Nov 27 · 31d
Card price
$375/mo x 3 months or $850 PIF4 months/3 full reporting cycles
CHASE

Slate #2

AAACard #725B
Limit
$12,500
Age
2yr+
Util
2%
Reporting Date2nd of every monthNext: Nov 2 · 6d
Must be added by the 20th prior to reporting
Card price
$350/mo x 3 months or $750 PIF4 months/3 full reporting cycles
Sold Out
CHASE

Freedom Flex

AAACard #414
Limit
$9,000
Age
4y+
Util
5%
Reporting Date15th of every monthNext: Nov 15 · 19d
Card price
$250/mo x 3 months or $650 PIF4 months/3 full reporting cycles
Sold Out
CHASE

Marriott

AAACard #240
Limit
$24,000
Age
9y+
Util
0%
Reporting Date1st of every monthNext: Nov 1 · 5d
Card price
$400/mo x 3 months or $900 PIF4 months/3 full reporting cycles
Sold Out
CAPITAL ONE

Quicksilver

AAACard #588
Limit
$8,400
Age
10y+
Util
10%
Reporting Date5th of every monthNext: Nov 5 · 9d
Card price
$575/mo x 3 months or $1350 PIF4 months/3 full reporting cycles
ELAN

Visa Platinum

AAACard #490
Limit
$4,000
Age
4y+
Util
80%
Reporting Date29th of every monthNext: Oct 29 · 2d
Card price
$375/mo x 3 months or $750 PIF4 months/3 full reporting cycles
VISA SIGNATURE

Wyndham Rewards

AAACard #713
Limit
$18,000
Age
13y+
Util
50%
Reporting Date26th of every monthNext: Nov 26 · 30d
Card price
$400/mo x 3 months or $900 PIF4 months/3 full reporting cycles
Sold Out
SYNCHRONY BANK

Technet Car Care

AAACard #501
Limit
$5,000
Age
1y+
Util
0%
Reporting Date20th of every monthNext: Nov 20 · 24d
Card price
$375/mo x 3 months or $850 PIF4 months/3 full reporting cycles
SYNCHRONY BANK

Technet Car Care #2

AAACard #502
Limit
$5,000
Age
1y+
Util
35%
Reporting Date25th of every monthNext: Nov 25 · 29d
Card price
$375/mo x 3 months or $850 PIF4 months/3 full reporting cycles
Sold Out
DISCOVER

Discover Card

AAACard #601
Limit
$10,500
Age
5y+
Util
70%
Reporting Date5th of every monthNext: Nov 5 · 9d
Card price
$575/mo x 3 months or $1450 PIF4 months/3 full reporting cycles
DISCOVER

Discover It

AAACard #967
Limit
$9,000
Age
4y+
Util
0%
Reporting Date29th of every monthNext: Oct 29 · 2d
Must be added by the 12th prior to the reporting date
Card price
$350/mo x 3 months or $750 PIF4 months/3 full reporting cycles
SYNCHRONY BANK

Amazon Prime

AAACard #503
Limit
$3,200
Age
4y+
Util
0%
Reporting Date9th of every monthNext: Nov 9 · 13d
Card price
$325/mo x 3 months or $650 PIF4 months/3 full reporting cycles
NAVY FEDERAL CREDIT UNION

Visa

AAACard #504
Limit
$4,600
Age
2y+
Util
30%
Reporting Date6th of every monthNext: Nov 6 · 10d
Card price
$300/mo x 3 months or $600 PIF4 months/3 full reporting cycles
Sold Out
BARCLAYS

AARP Master Card

AAACard #195
Limit
$500
Age
2y+
Util
0%
Reporting Date13th of every monthNext: Nov 13 · 17d
Card price
$125/mo x 3 months or $250 PIF4 months/3 full reporting cycles
Sold Out
BARCLAYS

UPromise

AAACard #413
Limit
$9,500
Age
5y+
Util
8%
Reporting Date27th of every monthNext: Nov 27 · 31d
Card price
$300/mo x 3 months or $750 PIF4 months/3 full reporting cycles
CITI

Custom Cash

AAACard #640LTE
Limit
$11k
Age
2y+
Util
< 15%
Reporting Date30th of every monthNext: Oct 30 · 3d
Card price
$350/mo x 3 months or $800 PIF3 full reporting cycles
COMENITY BANK

Academy Rewards

AAACard #027
Limit
$800
Age
1y+
Util
0%
Reporting Date2nd of every monthNext: Nov 2 · 6d
Card price
$125/mo x 3 months or $250 PIF4 months/3 full reporting cycles
Sold Out
CAPITAL ONE

Quicksilver

AAACard #111
Limit
$500
Age
1y+
Util
0%
Reporting Date17th of every monthNext: Nov 17 · 21d
Card price
$125/mo x 3 months or $300 PIF4 months/3 full reporting cycles
SYNCHRONY BANK

Care Credit

AAACard #911
Limit
$8,000
Age
< 1yr
Util
0%
Reporting Date27th of every monthNext: Nov 27 · 31d
Must be onboarded by the 19th prior to the reporting date
Card price
$300/mo x 3 months or $600 PIF4 months/3 full reporting cycles
Sold Out
MERRICK BANK

Mastercard

AAACard #933
Limit
$500
Age
<1y+
Util
0%
Card price
$125/mo x 3 months or $300 PIF4 months/3 full reporting cycles
FNBO

Mastercard

AAACard #FNBO
Limit
$14,000
Age
1y+
Util
0%
Reporting Date14th of every monthNext: Nov 14 · 18d
Card price
$350/mo x 3 months or $800 PIF3 full reporting cycles
AMERICAN EXPRESS

Hilton Honors

AAACard #300AMEXTL
Limit
$18,000
Age
Amex doesn't report age of tradeline
Util
0%
Reporting Date6th of every monthNext: Nov 6 · 10d
Card price
$400/mo x 3 months or $950 PIF4 months/3 full reporting cycles
AMERICAN EXPRESS

Blue Cash

AAACard #AMEXBC
Limit
$9,300
Age
Amex doesn't report age of tradeline
Util
1%
Reporting Date21st of every monthNext: Nov 21 · 25d
Card price
$250/mo x 3 months or $600 PIF4 months/3 full reporting cycles
Sold Out
TD BANK

Target

AAACard #TGT
Limit
$11,000
Age
23y+
Util
3%
Reporting Date1st of every monthNext: Nov 1 · 5d
Card price
$350/mo x 3 months or $900 PIF4 months/3 full reporting cycles
Sold Out
CAPITAL ONE

Savor

AAACard #SAV
Limit
$5,500
Age
3y+
Util
0%
Reporting Date19th of every monthNext: Nov 19 · 23d
Card price
$250/mo x 3 months or $600 PIF4 months/3 full reporting cycles
LIBERTY FEDERAL CREDIT UNION

Prime Plus

AAACard #LFCU
Limit
$15,000
Age
8y+
Util
0%
Reporting Date19th of every monthNext: Nov 19 · 23d
Must be onboarded by the 9th prior to reporting
Card price
$450/mo x 3 months or $900 PIF4 months/3 full reporting cycles
BANK OF AMERICA

Premium Rewards

AAACard #BAPR
Limit
$46,000
Age
19y+
Util
< 3%
Reporting Date21st of every monthNext: Nov 21 · 25d
Must be added by the 9th prior to reporting
Card price
$2,500 PIF4 months/3 full reporting cycles
AMERICAN EXPRESS

Delta

AAACard #AMEXDL
Limit
$8,000
Age
Amex doesn't report age of tradeline
Util
0%
Reporting Date12th of every monthNext: Nov 12 · 16d
Must be added by the 1st prior to the reporting date
Card price
$350/mo x 3 months or $650 PIF4 months/3 full reporting cycles
WELLS FARGO

Active Cash Visa

AAACard #WFAC
Limit
$10,500
Age
3y+
Util
< 5%
Reporting Date28th of every monthNext: Oct 28 · 1d
Must be added by the 12th prior to the reporting date
Card price
$350/mo x 3 months or $750 PIF4 months/3 full reporting cycles
SYNCHRONY BANK

Premier Mastercard

AAACard #SYNPR
Limit
$10,000
Age
1y+
Util
< 1%
Reporting Date26th of every monthNext: Nov 26 · 30d
Must be added by the 12th prior to reporting
Card price
$275/mo x 3 months or $500 PIF4 months/3 full reporting cycles
// credit sweep

This isn't a cleanup. It's a credit profile reset.

A sweep is a complete 100% removal process — the negative accounts come off the report entirely, not pushed aside. We cap the sweep on your 5 worst accounts, then layer seasoned tradelines on top of the file. Subtract the damage. Add the structure. Rebuild the profile lenders actually score.

Read the full credit sweep guide, pricing, and terms →

step 1

Subtract the damage

We pull all three bureaus and cap the sweep on your 5 worst accounts — a complete 100% removal of the items actually dragging the file down.

step 2

Add the structure

Seasoned tradelines get layered on top of the file: real age, real limits, perfect payment history.

step 3

Rebuild the profile

Deletions plus structure equals the profile lenders actually score. Results come directly to you, online, in no longer than 2 weeks — no waiting on a middleman.

// sweep package

Full Sweep + 2 Seasoned Tradelines

$1,750
all-in
A complete 100% removal process, capped at your 5 worst accounts, plus two seasoned tradelines layered on top of your file.
// prefer to start free?

We also have a FREE option — powered by our AI platform

Not ready for the full sweep yet? Our AI platform at creditrepairai.app runs the dispute process for you, automatically. Same removal engine, zero cost to start.

Try it free →
// what's included
Full 3-bureau report analysis & deletion strategy
Sweep = a complete 100% removal process, not temporary suppressions
Sweep capped at your 5 worst accounts
Works hand-in-hand with your tradeline purchase
Results come directly to you, online, in no longer than 2 weeks
// why it works

Negative Items Gone = Higher Score

The sweep deletes the drag. Seasoned tradelines add the boost. Results come directly to you, online, in no longer than 2 weeks.

Credit report showing negative accounts deleted and seasoned tradelines added, with the score rising
Get Started →Capped at 5 accounts · Pricing on request
// boost.calc()

Simulate your score lift

Adjust the parameters below. Results are statistical estimates based on AI generated scenarios.
Projected outcome · 30 - 90 days
+106
pts
Current
620
New score
726
300FICO 8850
Lock matching tradeline →
// dti × score lift

How our tradelines lower your DTI and lift your score

Lenders don't just look at your credit score — they look at your debt-to-income ratio (DTI) and your revolving utilization. Our aged tradelines move both numbers in the right direction, fast.

Step 1

Big limits, $0 balances

Each tradeline you join has a high credit limit with a near-zero balance — instantly adding available credit to your file without adding any new debt.

Step 2

Utilization drops

Your overall revolving utilization (balances ÷ limits) falls. Utilization is ~30% of your FICO score — lowering it is the fastest lever for a score lift.

Step 3

Perfect payment history

Years of on-time payments from a seasoned account report to your file. Payment history is ~35% of your FICO — our cards bring a flawless track record with them.

Step 4

Stronger DTI profile

Lenders see more available credit against the same income, which softens your DTI snapshot for mortgages, autos, and business lines — unlocking better approvals.

// the result: More available credit on your file, a lower DTI snapshot, a lower utilization percentage, and a perfect on-time payment history added to your bureau report — the same combination lenders reward with bigger approvals and lower rates.
// sample profile

Maria, 34 — same income, two tradelines added

Illustrative example. Actual results vary by file and reporting cycle.

Metric
Before
After
Credit limits (total)
$3,500
$23,500
Balances
$2,800
$2,800
Utilization
80%
12%
On-time payment history
2 yrs
10+ yrs
Average account age
1.4 yrs
6.8 yrs
FICO score (est.)
612
724
Mortgage decision
Denied
Approved
Kikoff logo

Kikoff | Credit Builder

Referral link · No hard credit check

As a Kikoff partner, adding the Kikoff builder account to your tradeline order gives you a powerful, established revolving line of credit that reports to all three bureaus. Combined with our aged tradelines, it helps fill out your credit file with the payment history and low utilization lenders look for — ideal if you need to add established tradelines to your credit reports.

$5/moUp to $750 credit line$20/mo · $2,500 limitReports ~2 weeks to all 3 bureausNo hard pull
Get Kikoff
Official Partner

Tradeline Exchange + Kikoff — combine an established revolving account with our aged tradelines to strengthen your credit file.

⏣×Kikoff

// exchange personnel

Meet the Team

The people behind Tradeline Exchange — real names, real accountability.

Scott Been

Scott Been

Founder & CEO, Tradeline Exchange

Scott Been built his career in crypto and app development — shipping fintech products where speed, security, and trust are everything. Tradeline Exchange is that same tech playbook applied to credit: an exchange-style marketplace with live inventory, transparent pricing, and instant availability, instead of the old phone-call-and-spreadsheet way of buying tradelines. Scott is also one of the original members of the CRC Millionaires Club, a network of top credit professionals that shaped his approach to the industry and led directly to this moment with Tradeline Exchange. Based in Houston, he works directly with buyers, agents, and lenders to build credit profiles lenders actually score.

Instagram
Michelle Martinez

Michelle Martinez

Head of Exchange Owner Success & Onboarding

Michelle Martinez leads Owner Success at Tradeline Exchange — the person card owners, buyers, and agents count on from day one. She is also the lead for onboarding new independent exchange owners into the Tradeline Exchange network, taking each new owner from sign-up to live listings. She walks every owner through listing their card, keeps reporting cycles on schedule, and makes sure each placement is handled the right way from start to finish. With her own credit business, Credit by Michelle, she has spent years helping people rebuild their profiles, and she brings that same hands-on, straight-talk approach to every member of the exchange.

Instagram

// exchange network

Exchange Locations

Independent exchange owners operating under the Tradeline Exchange network — local people, local accountability.

Houston, TXHQ

Tradeline Exchange

Scott Been, Tradeline Exchange

Scott Been

Founder & CEO

Services nationwide

Instagram Facebook
Houston, TX

Femchi Tradelines

Femchi Tradelines — Tradeline Exchange

Cristhian Furtado

Founder

Services Texas and Houston areas

Website
Houston, TX

Tradelines By Bryan

Bryan Avila — Tradeline Exchange
Bryan Avila, Tradelines By Bryan

Bryan Avila

Exchange Owner

Services Texas and Houston Areas

Instagram Website
Louisiana

Tradeline Exchange Louisiana

Tradeline Exchange Louisiana — Tradeline Exchange

Alethea Lindsay

Exchange Owner

Services Louisiana & Texas/La border cities

Website

// coming soon

New exchange owners are onboarding now. Your city could be next.

Referred Real Estate Agents, Mortgage Lenders & Credit Companies

A vetted group of reputable real estate agents 🏠, mortgage lenders 💰, and credit sweep professionals 💳 collaborate with the Tradeline Exchange to offer clients expert tradeline solutions. In return, we recommend these professionals to local individuals seeking real estate, lending, or credit assistance.

Loading partners…
// sponsored events

Events we've sponsored

Tradeline Exchange proudly backs events that lift our community — financial literacy, credit education, entrepreneurship, and culture.

See all events →
The Compound Effect — 2027 Playbook — Hosted by Open Book Houston
Thursday, November 12, 2026 · 9:00 AM – 2:00 PM · The Houston Improv, 7620 Katy Fwy #45, Houston, TX 77024

The Compound Effect — 2027 Playbook — Hosted by Open Book Houston

Build today, multiply tomorrow — a session centered on building with intention, scaling strategically, and positioning yourself for a stronger 2027, with panels from Ricky Carruth, Levi Lascsak and Houston's top real estate leaders. Proudly sponsored by Tradeline Exchange alongside AllSource Lending, 4EVER Lending, Patten Title, OrigEn Financial Strategies, InsureTexas and TS Insurance.

Learn more →
Fall Into Homeownership — Presented by Got Keys Realty Team
Saturday, November 7, 2026 · 9:00 AM – 11:00 AM · Holiday Inn Express & Suites Houston NW – Hwy 290 Cypress, Huffmeister Road & Hwy 290, Cypress, TX

Fall Into Homeownership — Presented by Got Keys Realty Team

A complimentary community event. Credit, down payment, and the whole homebuying process broken down — real talk, no pressure. Educate. Empower. Equip. Proudly supported by Tradeline Exchange.

Learn more →
1st Annual Crawfish Boil — Hosted by First Millennium Realty
Friday, May 29, 2026 · 11:00 AM – 2:00 PM · 28910 Hardin Store Road #101, Magnolia, TX 77354

1st Annual Crawfish Boil — Hosted by First Millennium Realty

Eat, network & connect. Everyone welcome — bring a friend and let's make memories. Good food, good people, great connections. Proudly sponsored by Tradeline Exchange alongside Home Lending, OrigEn Financial Strategies, and Chicago Title Houston.

Live on Instagram

Follow the score lifts in real time.

Client wins, tradeline drops, credit tips and behind-the-scenes — posted daily on @tradeline_exchange.

Follow @tradeline_exchangeDM us for a custom plan
Daily
posts
Real
client wins
Free
credit tips
@tradeline_exchange
Tradeline Exchange · Official
Open Instagram
#creditrepair#tradelines
// this is good

Do You Know What Your Credit Score Is?

Before you buy a tradeline, you need a baseline. Pull your real-time 3-bureau scores and reports so you can measure every single point your new authorized user tradeline adds.

  • Live FICO, VantageScore & ITINs from all 3 credit bureaus
  • Daily score monitoring & alerts
  • Identify which utilization & age factors to fix
  • Track your tradeline score lift in real time
Check my credit score →Soft pull · No score impact · No charge to check
3-bureau credit dashboard showing Equifax 712, Experian 728, TransUnion 705 with +68 pts trend
// timeline

One statement cycle to lift. Three to lock it in.

Every tradeline reports for 3 full statement cycles — 4 full months. Here's exactly what happens — and when — across that window.
  1. Day 1

    The fun begins

    You're added as an AU on the chosen tradeline. Backdated age, limit, and perfect history are queued for the bank's next statement cut.

  2. Cycle 1

    First statement reports

    Within 14–45 days the tradeline posts to all 3 bureaus. Many clients see their first score change on this reporting cycle.

  3. Cycle 2

    Score stabilizes

    The second statement cycle reinforces the tradeline. Lenders pulling fresh reports now see the full history of the particular tradeline along with the on-time history and card balance under your file.

  4. Cycle 3

    Full 3 reporting cycles — 4 full months reporting

    Three full statement cycles and four full months of perfect reporting are locked in — the standard window mortgage, auto, and business lenders use to qualify you.

First lift
1 cycle
Most score gains hit on cycle 1
Reporting window
3 cycles / 4 months
Standard for every tradeline
Credit Bureaus
3 of 3
Equifax · Experian · TransUnion
// protocol

Fast Reporting. Zero friction.

Built for credit-builders, real-estate buyers, and mortgage lenders who need client credit leverage now.
01

Check your score

Discover your potential score lift with our Boost Calculator.
02

Pick your tradelines

Browse aged credit card tradelines and lock in the credit power that fits your goals. All authorized user accounts will report perfect payment history plus backdated payment history.
03

Pay securely

Most tradelines post within 14–45 days, depending on the bank’s reporting date. If a tradeline fails to post, you get a full refund. Score changes depend on your own credit file and are not guaranteed. Please make sure to check which option you prefer: Monthly payments or PIF (Paid In Full). Email confirmation will be sent from the banking institution verifying your addition.
04

Tradeline Exchange WhatsApp Group

For general questions or if you are a current client and would like around the clock customer service, please follow this link to join our WhatsApp group: https://chat.whatsapp.com/HzdiTM3aLw71g0NhrT8LYw
Scan to join
// checkout

Complete your payment

To Purchase:
  1. Select your card.
  2. Click the "Buy" button.
  3. Verify your card order number.
  4. Send payment via Cash App or Zelle using the details below.

Your tradeline will be locked once payment is confirmed. All payments include a full 3 months of reporting. Including the listing time, you'll typically receive closer to 4 months of reporting.

// your order

No card selected. Pick a tradeline from the marketplace above to begin checkout.

// pay with

Send payment using Cash App or Zelle. In the memo section, please include referred by: (RE Agent/Mortgage Lender/Etc.) your full name, email address, contact phone number, the card name, and the 3-digit card # so we can match your order.

Once payment is received and verified, we will contact you for I.D. verification information needed to add you as a legal authorized user. Once added, you will receive an email verification from the issuing bank stating that you have been added as an authorized user.

Cash App$welcomehome700
Zelle281-846-8804
Zellelegalx.info@gmail.com
// faq

Questions, answered.

Everything you need before placing your Tradeline Exchange Authorized User order. All information is legally checked by GROK AI.
Legalities+
Yes. There is no federal ban: There is no law from Congress, the CFPB, FTC, or Federal Reserve that prohibits adding authorized users for payment. This practice has been around for years, survived past challenges (including a 2008 Congressional attempt), and remains allowed as of 2026.
How fast does my score update?+
Most users see updates within 14–45 days, depending on their bank's reporting cycle. Once the issued card reports its balances, it automatically triggers the corresponding update to the client's reports as well.
What happens after 90 days?+
Once the authorized-user slot is removed, the aging benefit typically remains on your credit report. You can rotate into a fresh tradeline whenever you're ready.
Are sellers verified?+
Yes. Since all credit cards listed on the Tradeline Exchange are fully owned and operated by Legal X Global LLC, the accounts and authorized user tradelines are under direct company control. This structure delivers significantly greater transparency and operational consistency compared to traditional tradeline marketplaces that depend on third-party cardholders.
What payment methods?+

We accept payment via Cash App or Zelle.
Cash App: $welcomehome700
Zelle deposit #: 281-846-8804 (See QR code below.)

Cash App
Zelle