Direct from the cardholder · No broker markup
Every line in our inventory is a real, aged credit card with a spotless payment history — held by us or by verified credit partners. No middleman, no marketplace fees baked into the price, no mystery about whose card you're joining.
100% POSITIVE FEEDBACK · FORMERLY SELLING AS SAGAR96 ON EBAY
Current inventory
Inventory rotates as slots fill and new credit-partner cards are enrolled. Don't see a fit? Tell us your target limit and age and we'll match you when a line opens.
The process
Choose the tradeline that fits your goal. We verify every buyer's government ID — this protects our cardholders and keeps every transaction clean. We never accept CPNs or secondary "credit profile" numbers.
The cardholder adds you as an authorized user before the card's next statement closing date. No card is ever mailed to you and you never get charging privileges — your info is used only for the bureau reporting.
The account's full age, limit, and perfect payment history report to the bureaus. You stay on for two reporting cycles, then you're removed. If a line fails to post, we refund or replace it — in writing.
Credit partner program
If you hold seasoned credit cards with high limits, low utilization, and a perfect payment history, you can enroll them here and earn a payout every time an authorized-user slot on your card sells. You keep the card, you keep control, and you add each AU yourself through your bank's normal authorized-user feature.
| Card age | Limit | Typical payout / slot |
|---|---|---|
| 2–4 years | $5k–$10k | $75 – $125 |
| 5–9 years | $10k–$20k | $125 – $225 |
| 10–19 years | $20k+ | $225 – $350 |
| 20+ years | $20k+ | $350 – $500 |
Minimum requirements: card open 2+ years, $5,000+ limit, utilization under 15%, zero late payments, and you must be the primary cardholder. Amex, Discover, Chase, Citi, Capital One, Barclays, and US Bank cards enroll fastest.
Know the risks before you enroll: card issuers can and sometimes do close accounts they believe are being used for AU piggybacking. Never enroll a card you can't afford to lose, and read our credit-partner agreement in full before signing.
Credit education
Straight answers to the questions every tradeline buyer asks.
A plain-English walkthrough of the full process — from what gets added to your report to how long you stay on the card.
Read article → TIMINGBank-by-bank posting timelines for Chase, Citi, Discover, Wells Fargo and more — and what to do if yours doesn't show up.
Read article → COMPARISONSide-by-side comparison of posting speed, limits, pricing, and which bank wins for your specific credit goal.
Read article → MORTGAGEWhat mortgage underwriters look for, which limits and ages matter most, and how to time your purchase before application.
Read article → LEGALThe honest answer: what the FTC says, what's clearly legal vs illegal, and the real risks buyers and sellers should know.
Read article →Questions, answered straight
A tradeline is any credit account on your report. When a cardholder adds you as an authorized user (AU) on a seasoned card, most banks report that account — its age, limit, and payment history — to your credit file. You never receive the card and can't spend on it; you're on the account for reporting purposes only, for two cycles.
Adding authorized users is a built-in feature of every major credit card. That said, we're straight with you: some banks discourage paid AU arrangements and can close a cardholder's account over it; results on your score are never guaranteed; and it is a federal crime to misrepresent your identity or credit profile to a lender. We refuse all CPN/synthetic-identity business and verify every buyer's real identity.
No honest company will promise a specific point increase — scoring models weigh your whole file. What we guarantee is that the line posts to at least two of the three major bureaus, or we refund or replace it. Tradelines help most when your file is thin or young; they do not remove negative items.
Your legal name, address, date of birth, and — because banks require it to add an AU — your Social Security number, collected only through our encrypted secure-upload link after ID verification, never by email or plain web form.
You're added before the card's next statement date, and the line typically appears on your report 5–15 days after that statement closes. Every listing shows its purchase-by cutoff for the current cycle.
Brokers and marketplaces take a large cut, which gets baked into your price. We own or directly manage every card in inventory, so the same line costs less here — and you're dealing with the actual cardholder's operation, with a written post-or-refund guarantee.
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