A Marketplace Built on Clear Terms
What sets TradelineScore apart is written down: payment held under the order terms, a listing-specific Final Reporting Date on every order, posting-guarantee remedies and published policies - for buyers, brokers and cardholders alike.
Serving clients? Explore the Tradeline Broker Program →
Written by TradelineScore · Updated October 21, 2026
Raquel Hudson, Editorial Reviewer
Reviewed October 21, 2026.
How the Marketplace Works
The same core sequence protects both sides of every order. For an independent explanation of how tradelines work, see Experian's guide.
Choose and check out
The buyer reviews the listing, payment terms and protection policies before completing checkout through TradelineScore.
Payment is held
Funds are held under the order terms while the order is fulfilled - never released to the cardholder upfront.
Authorized user added
The cardholder adds the buyer directly through their own card issuer. Buyers never receive card numbers or logins.
Verified, then released
Payment is released only after all of the order's verified release conditions are met: the posting requirement met, the Final Reporting Date passed, the order-specific Dispute Period elapsed, posting affirmatively verified, and any qualifying issues resolved - never before the Final Reporting Date.
Read the Payment Holding Process for the payment steps, and the Posting Guarantee Policy for the listing-specific deadline and eligibility rules.
What Sets TradelineScore Apart
Six things you can verify in the published policies - not slogans.
Payment Holding
Buyer payments are held through Confirmed Identity, an independent third-party payment-holding provider, and released only after the order's verified release conditions are met - never before the listing's Final Reporting Date.
Listing-Specific Dates
Every order carries its own Final Reporting Date and agreed removal date, so the guarantee deadline is specific to the listing - not a generic estimate. The order-specific Dispute Period is the time allowed for first reporting that a line did not post; qualifying early removal and material service failure stay protected through the agreed removal date.
Posting Guarantee
If a tradeline has not posted by its Final Reporting Date and the claim qualifies, the affected tradeline or service is refunded, including its share of the card-processing fee. A tradeline counts as posted when it reports to at least two of the three major credit bureaus; no one can promise which two.
Clear Remedies
A qualifying early removal or material failure before the agreed removal date is refunded, including its share of the card-processing fee. TradelineScore may offer a replacement, but a replacement is optional and never replaces, restricts or delays a qualifying refund.
Order Tracking
Dashboard access to track order status and expiration, so buyers and brokers can follow each order instead of guessing.
Published Policies
The Posting Guarantee Policy, Refund Policy and Risk Disclosure are published on this site in writing.
One Marketplace, Three Paths
The same payment holding and verification process runs underneath every path.
For Buyers
Browse current inventory and compare account age, credit limit, price and availability. Listings never disclose which bureaus a card has historically reported to, and accounts can be listed before review - account and statement review happens when an order comes in, before fulfillment. Payment is held under the order terms until the verified release conditions are met.
View Current Inventory & Pricing →For Brokers & Credit Professionals
Free to join. Broker-only wholesale pricing after onboarding, client markup tools, and free iFrame and white-label options for your own brand.
Explore the Broker Program →For Cardholders
Make eligible AU spots available on your own schedule. You add and remove authorized users yourself, directly through your own card issuer.
Become a Cardholder →What TradelineScore Does Not Do
This is worth being direct about:
- Not credit repair. We do not dispute or remove anything from anyone's credit report.
- No guaranteed score change or loan approval. Outcomes depend on the full credit profile and lender criteria; no legitimate provider can promise a specific increase.
- No promises about issuer policies. Each card issuer sets its own terms for authorized users, and those terms control.
Frequently Asked Questions
Is this the same as credit repair?
No. We do not dispute or remove anything from anyone's credit report, and we do not promise any credit score outcome.
Do buyers pay sellers directly?
No. Checkout runs through TradelineScore, and payment is held under the order terms until the order's verified release conditions are met. Never send payment directly to a seller.
What happens if a tradeline does not post?
The listing-specific Final Reporting Date controls. If a tradeline has not posted by that date and the claim qualifies under the Posting Guarantee Policy and Refund Policy, the affected tradeline or service is refunded, including its share of the card-processing fee.
How do cardholders get paid?
Via Paychex, after all of the order's release conditions are met: the posting requirement is met, the Final Reporting Date has passed, the order-specific Dispute Period has elapsed, posting has been affirmatively verified, and any qualifying reported issue is resolved. Payment is never released before the Final Reporting Date.
Can anyone guarantee my credit score will go up?
No. Score outcomes depend on the full credit profile and each lender's criteria. Be skeptical of any provider that promises a specific increase. We never make that promise.
Explore the Marketplace
Buying, sourcing for clients, or listing a card - on one platform. Payment is held under the order terms until all verified release conditions are met.
TradelineScore does not guarantee credit score changes or loan approval.