See how TradelineScore’s automatic retail volume discounts work, how they are assigned when lines have different prices, and what brokers receive instead.
Quick Answer
Retail buyers get automatic discounts when they put more than one tradeline in the same order: 10%, 20% and 30% off the higher-priced lines. An order holds up to four lines. Checkout assigns the discount tiers by line price for the greatest savings, and the lowest-priced line pays full price. Every line must come from a different lender. Brokers receive wholesale pricing instead.
How the Retail Volume Discount Works
Retail orders can include up to four eligible lines. Checkout automatically assigns the discount tiers based on line prices to provide the greatest available savings. The lowest-priced line pays full retail price, while higher-priced lines receive the applicable 10%, 20% and 30% discounts. No promotional code is required.
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The discount applies to each qualifying individual line, not automatically to the whole order. Tiers are assigned by line price, not by the order lines are added.
Discounts Follow Price, Not Order Added
If the lines you select have different prices, checkout assigns the discounts by price to give you the greatest available savings. The highest-priced line gets the largest discount and the lowest-priced line pays full price, so the order you add lines in does not change your total.
Example with four lines at different prices:
| Line | Discount | You pay |
|---|---|---|
| $840 line | 30% off | $588 |
| $735 line | 20% off | $588 |
| $315 line | 10% off | $284 |
| $210 line | Full price | $210 |
| Total | $2,100 | $1,670 |
Illustration based on four lines priced $840, $735, $315 and $210 from four different lenders. Checkout rounds each line to the nearest dollar. Real prices and availability are shown on each listing.
In this four-line example, the automatic retail volume discounts save you $430.
One Line per Lender in Each Order
Every line in a single order must come from a different lender (issuer). You cannot buy two accounts from the same lender in one order, even if they are two different accounts.
Allowed
✓ Chase + Citi + Capital One + U.S. Bank
Not allowed
✗ Chase + Chase + Citi + U.S. Bank
Illustrative Example: Four Lines at $500 Each
This is an illustration with round numbers, not a real listing price. Real prices are shown on each listing. In this example all four lines cost the same and come from four different lenders.
| Line | Discount | Price |
|---|---|---|
| 1st | Full price | $500 |
| 2nd | 10% off | $450 |
| 3rd | 20% off | $400 |
| 4th | 30% off | $350 |
| Illustrative subtotal before any applicable checkout fees | $1,700 |
Without discounts, four $500 lines would be $2,000, so the retail discounts take $300 off in this example.
Brokers: Wholesale Pricing Instead
Brokers receive wholesale pricing instead of the retail volume discounts. Retail discounts do not stack on top of broker pricing. A broker account is free to open, and broker pricing is available after onboarding with no first purchase required.
What a Discount Does Not Change
A volume discount lowers the price of a qualifying line. It does not override the Posting Guarantee Policy or the Refund Policy, which apply to each line as written.
Frequently Asked Questions
How does the retail volume discount work?
An order can include up to four tradelines. When you buy more than one in the same order, checkout applies the discounts automatically based on line prices to give you the greatest available savings: the lowest-priced line pays full price, and the higher-priced lines get 10%, 20% and 30% off. No promo code is needed.
Which line gets which discount if the prices are different?
Checkout assigns the discounts by price to give you the greatest available savings: the highest-priced line gets the largest discount and the lowest-priced line pays full price. It is not decided by which line you added first.
Can I buy two accounts from the same lender in one order?
No. Every line in a single order must come from a different lender (issuer). You cannot buy two accounts from Chase in the same order, even if they are two different Chase accounts. Chase, Citi, Capital One and U.S. Bank in one order is allowed.
Do brokers get these retail discounts too?
Brokers receive wholesale pricing instead of the retail volume discounts. Retail discounts are not added on top of broker pricing. Broker pricing is available after onboarding, and a first purchase is not required to unlock it.
Does a bulk discount change the Posting Guarantee or Refund Policy?
No. A volume discount lowers the price of a qualifying line. It does not override the Posting Guarantee Policy or the Refund Policy, which apply to each line as written.
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Your discounts are shown when you review your selection.
Credit-score and lender outcomes are not guaranteed.