Tradeline Frequently Asked Questions
Primary tradelines have always meant one thing: an account on a credit report for which the primary account holder is listed as the primary account holder. This is in contrast to piggybacking off of seasoned tradeline, where the account history reports on the authorized user’s credit report (as an authorized user… not a primary account holder). Some time after the FICO ’08 myth, people thought that “primary” tradelines were “better” than authorized user tradelines. More importantly, they thought you could buy primary lines and add them to credit reports the same way as authorized user lines. Both thoughts are wrong.
WHERE CAN I BUY PERSONAL PRIMARY TRADELINES?
Again, the real question is, “is it in your best interest to purchase primary tradelines?” You can get primary tradelines for free by applying to a bank that tend to give you a chance, like capital one and chase bank. There are too many scams out there concerning primary tradelines, so it is not even worth it to search out a legitimate source… the legitimate sources are usually buried beneath a sea of propaganda and shady businesses. Get primary tradelines from a bank, and boost your credit score with authorized user tradelines from us.
IS IT LEGAL TO BUY PRIMARY TRADELINES?
Unfortunately, we cannot give legal advice, and this answer should not be construed as to us giving legal advice, but there answer is “yes” and “no”. The way in which you obtain the primary tradelines is the determining factor of legality. Buying primary tradelines that were created out of the thin air could definitely be illegal, and there are companies out there that actually do this. However, assuming a pre-existing primary account or becoming a joint account holder and then removing the other account holder are technically legal ways to have primary tradelines. As stated above, there is no reason to jump through these hoops when you can simply get your own primary tradelines for free, legally.
CAN I PURCHASE PRIMARY TRADELINES?
The real question is, do you want to purchase or buy primary tradelines when you can get them for free? You can get some capital one credit cards and / or chase bank credit card with zero credit or even bad credit. Just get your primary lines for free (and don’t buy them), then boost your credit score with authorized user tradelines.
WHICH IS BETTER, AUTHORIZED USER TRADELINE OR PRIMARY TRADELINE?
There is no cut and dry answer to this questions, so we will discuss both primary and authorized user tradelines. First of all, the question is more appropriately posed like this: “what do I need, authorized user tradelines or primary tradelines?” The first concept to acknowledge is whether you need primary tradelines or authorized user tradelines. Primary tradelines are beneficial to your credit score when you have a lack of them. If you don’t have any credit cards in your name, authorized user tradelines can only help so much. On the other hand, if you have a few credit cards that are young, have low limits, etc., tradelines for sale can help place a longer credit history on your report and decrease your debt to credit ratio. Again, it just depends what you need. Call us and we can discuss your specific credit situation.
WHAT DOES PRIMARY MEAN IN PRIMARY TRADELINES?
For all the confusion on the internet, the term primary tradeline is literal. It literally means a line of credit that is yours, primarily. This means, it is not a joint account or an authorized user account. Every line of credit is a primary tradeline for the primary account holder. Auto loans, credit cards, mortgages, these are all lines of credit that are primary for the primary borrower. Authorized user or joint accounts exist when the primary holder of an account lists you as an authorized user or a joint account holder.
DO SEASONED PRIMARY TRADELINES EXIST?
Yes, technically, seasoned primary tradelines exist. However, that is to say a primary account holder with an account opened years ago, has a seasoned primary tradeline. If you are searching for seasoned primary tradelines, then you are most likely looking to add seasoned primary tradelines to your credit report to boost your score. Adding primary tradelines is much more complicated than adding an authorized user tradeline. Stated gently, it is very difficult to sell primary tradelines… legally. Secondly, it is very hard to sell seasoned primary tradelines in a profitable way… so ask yourself why a company would or could exist considering these two limiting factors. There are legal ways to do it and to make money, so I am not suggesting that everyone out there selling primary tradelines is a scam artist, but it is very difficult and we cannot recommend a single source for this process (and we have looked into it). You are better off buying seasoned authorized user tradelines, and save yourself the time and energy. At the end of the day, if you need a primary tradeline, just get your own for free, and boost your score with authorized user tradelines.