Professional Tradeline Services

Boost Your Credit Score Fast with Primary, Authorized User & Business Tradelines

Get instant approval and see 50-200 point credit score increases within 35 business days. Our tradelines report to all major credit bureaus with a 95% approval rate.

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95% Approval Rate
35 Day Posting
50-200 Point Increase

What Are Tradelines?

Understanding the Foundation of Credit Building

Credit Account History

A tradeline is any credit account that appears on your credit report. This includes credit cards, loans, mortgages, and lines of credit. Each tradeline shows your payment history, credit limit, balance, and account age.

Primary Tradelines

Primary tradelines are credit accounts where you are the primary account holder. These powerful accounts report to all three major credit bureaus and can significantly boost your credit profile when managed properly.

Why Tradelines Work

Tradelines work by adding positive payment history and increasing your available credit, which improves your credit utilization ratio. This combination can result in rapid credit score improvements of 50-200 points within the first month of reporting.

The Benefits of Authorized User (AU) Tradelines

Fast-Track Your Credit Profile with Strategic AU Placements

Adding an Authorized User (AU) tradeline to your consumer report is one of the fastest and most effective ways to strengthen your credit profile. When done strategically, it allows you to benefit from another person's positive credit history — instantly improving your own report's age, utilization, and payment history.

At Mogul Maker Academy, we teach our students to use AU tradelines as a bridge, not a crutch. It's a short-term credit enhancement strategy designed to help you move from consumer status to fundable status — positioning you for approvals and real credit expansion through our BUILD Framework.

Why AU Tradelines Matter

Accelerate Score Growth

Gain the benefit of years of on-time payment history without waiting to build it yourself.

Improve Credit Age

Length of credit history is a key factor in your FICO score. Adding a seasoned tradeline increases your average age overnight.

Lower Utilization Ratios

When you're added to a card with high limits and low balances, your overall utilization improves — a major boost for your creditworthiness.

Build Trust with Bureaus

Properly reporting AU accounts build positive data relationships across Experian, Equifax, and TransUnion, laying the foundation for future primary accounts.

How We Use Them in the BUILD Program

In the U – Utilize Tradelines phase, our credit experts strategically add AU tradelines alongside secured credit cards and vendor accounts to create a balanced mix. This ensures your reports show both authorized user history and your own primary accounts, which is what lenders want to see before extending real credit.

Learn About BUILD Framework

The Mogul Advantage

We only work with verified, compliant tradeline providers and match clients to accounts that report consistently to all three bureaus. Every AU placement follows FCRA and Metro 2 standards for accurate reporting, giving you legitimate score growth — not inflated or risky results.

FCRA Compliant
Metro 2 Standards
All 3 Bureaus

AU Tradelines vs Primary Tradelines

Feature
Authorized User (AU)
Primary Tradelines
Speed of Results
30-45 Days
35-60 Days
Credit Impact
50-150 Points
100-200 Points
Longevity
Temporary Bridge
Long-term Asset
Best Used For
Quick Score Boost
Permanent Credit Building

Primary Tradeline Services

Rebuild Your Credit History with Powerful Primary Accounts

Reports to All 3 Bureaus

Equifax, Experian, and TransUnion receive monthly reports, ensuring comprehensive credit profile improvement.

50-200 Point Increase

See dramatic credit score improvements in the first month of reporting with our primary tradeline packages.

95% Approval Rate

Instant approval for qualified applicants. Must be employed, 18+, and US resident. No prior credit history required.

Primary Tradeline Benefits

More powerful than secured credit cards
Rebuild your credit history effectively
No $30,000 deposit required like secured cards
Posts within 35 business days guaranteed
Revolving credit lines (closed accounts available)
Available to US residents nationwide

Business Tradeline Services

Build Business Credit Separate from Personal Credit

Establish Business Credit

Build a strong business credit profile that's separate from your personal credit. Business tradelines help you qualify for larger credit lines, better terms, and protect your personal credit from business activities.

  • Reports to Experian, Equifax, and SBFE
  • Credit lines from $50K to $150K+
  • Separate from personal credit profile
  • Faster business loan approvals

Business Requirements

To qualify for business tradelines, your business must meet certain criteria to ensure successful reporting and credit establishment.

  • LLC, Corporation, or Partnership
  • Valid EIN (Employer Identification Number)
  • Business operational for 6+ months
  • Business phone number
  • Physical business address

Tradeline Packages

Choose the Perfect Package for Your Credit Goals

Primary Tradeline Packages

Starter Package

Contact for Pricing
  • 1-2 Primary Tradelines
  • Reports to 2 Major Bureaus
  • 35 Day Posting Guarantee
  • 50-100 Point Increase
  • Revolving Credit Lines
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Most Popular

Professional Package

Contact for Pricing
  • 3-4 Primary Tradelines
  • Reports to All 3 Bureaus
  • 35 Day Posting Guarantee
  • 100-150 Point Increase
  • Priority Processing
  • Credit Monitoring Included
Get Started

Premium Package

Contact for Pricing
  • 5+ Primary Tradelines
  • Reports to All 3 Bureaus
  • 30 Day Posting Guarantee
  • 150-200+ Point Increase
  • Expedited Processing
  • Dedicated Account Manager
  • 6-Month Credit Monitoring
Get Started

Business Tradeline Packages

Business Starter

$3,600
  • $50,000 Credit Line
  • Reports to Experian & Equifax
  • SBFE Reporting Included
  • Business Credit Establishment
  • 45 Day Processing
Start Today
Best Value

Business Professional

$4,900
  • $100,000 Credit Line
  • Reports to All Business Bureaus
  • Experian, Equifax & SBFE
  • Accelerated Processing
  • Business Credit Coaching
  • 30 Day Processing
Start Today

Business Premium

$5,100
  • $150,000 Credit Line
  • Maximum Credit Exposure
  • All Business Bureau Reporting
  • Priority Processing
  • Dedicated Business Consultant
  • Ongoing Support & Monitoring
Start Today

Our Simple 4-Step Process

From Application to Credit Score Improvement

1

Consultation & Application

Complete our quick application process. No credit score requirement. We'll review your goals and recommend the best tradeline package for your situation.

2

Approval & Setup

Get instant approval with our 95% approval rate. We'll set up your tradeline accounts and handle all the technical details for you.

3

Reporting Phase

Your tradelines begin reporting to the credit bureaus within 35 business days. We guarantee posting and provide updates throughout the process.

4

Credit Score Boost

See your credit score improve by 50-200 points within the first month of reporting. Monitor your progress with our included credit monitoring services.

Frequently Asked Questions

Everything You Need to Know About Our Tradeline Services

How quickly will I see results?

Most clients see credit score improvements of 50-200 points within 35 business days of the tradelines posting to their credit reports. The exact timeline depends on your current credit profile and the tradelines selected.

What credit bureaus do you report to?

Our primary tradelines report to Equifax, Experian, and TransUnion. Business tradelines report to Experian, Equifax, and SBFE (Small Business Financial Exchange).

Do I need good credit to qualify?

No! Our tradeline services are specifically designed for people looking to improve their credit. You don't need a good credit score to qualify. You just need to be 18+, employed, and a US resident.

Are tradelines legal?

Yes, tradelines are completely legal. The practice has been used for decades and is recognized by all major credit bureaus as a legitimate way to build and improve credit history.

What's the difference between primary and authorized user tradelines?

Primary tradelines make you the primary account holder, giving you more control and typically better results. They're more powerful than authorized user tradelines and often provide better long-term credit benefits.

How much do tradelines cost?

Costs vary depending on the package and tradelines selected. Primary tradeline packages start at competitive rates, while business tradelines range from $3,600 to $5,100+ depending on the credit line amount and features included.

Ready to Boost Your Credit Score?

Join thousands of clients who have improved their credit scores by 50-200 points with our professional tradeline services. Get started today with a free consultation.

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95% Approval Rate
1000+ Satisfied Clients
Industry Leading Service