Question 1

What is a tradeline?

Accepted Answer

A tradeline is a credit account that appears on your credit report. When you become an authorized user on someone else's credit card with good payment history, that account (tradeline) can help improve your credit score.

Question 2

How long does it take for a tradeline to post?

Accepted Answer

It typically takes 30 to 45 days for a tradeline to post to your credit report, sometimes a little longer depending on the creditor's reporting cycle.

Question 3

What is a primary account vs authorized user?

Accepted Answer

A primary account means you are added as a co-borrower on a loan, which is a permanent account on your credit. An authorized user tradeline adds you to someone else's credit card, which can be removed later.

Question 4

Is buying tradelines legal?

Accepted Answer

Yes, being added as an authorized user on someone's credit card is completely legal. It's a common practice for credit building.

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