Buyer Protection
🔒 Your Payment Is Escrow-Protected Until Your Tradeline Posts
Tradeline buyer protection comes down to one thing: your payment is escrow-protected until your tradeline posts. That's the real answer to whether buying tradelines is a scam, and whether your card is safe - here's exactly how it works, step by step.
How Your Money Moves
You Pay
Secure checkout
Escrow Holds Funds
Not released yet
Seller Gets Paid
After posting confirms
🔍 Is This a Scam? Check for Yourself
Before you buy from anyone - including us - check for these four things.
Funds sit in escrow, not the seller
Payment is held by a neutral third party until your tradeline posts.
Every seller is verified before listing
Sellers pass identity and account verification before appearing in inventory.
No CPNs. No credit sweeps.
We only facilitate legitimate authorized-user tradelines.
A real, disclosed reporting timeline
You see the expected posting window before you buy.
Walk Away If You See This - Anywhere
- Asked to pay a seller directly, outside escrow
- A "CPN" or credit privacy number offered as a fresh start
- A guaranteed, specific credit score increase
- No verification process for sellers before listing
💳 How Your Payment Is Protected
Your card only ever touches our encrypted checkout and escrow partner - never a seller directly.
- 01
You select a tradeline and check out
Processed through encrypted checkout. We don't store your full card number.
- 02
Funds go to a third-party escrow provider
Not the seller - your funds sit with a neutral party until terms are met.
- 03
The seller adds you as an authorized user
Using only the details required to do so.
- 04
The tradeline posts to your credit report
Typically within 7–15 days, tracked on your dashboard.
- 05
Escrow releases payment to the seller
Only once posting is confirmed.
No hidden fees. Funds only move once terms are met.
🛡️ What We Guarantee
Built So Your Money Is Never at Risk
Days - typical posting window
Of payment escrow-held until posting confirms
Direct payments to an unverified seller
That's tradeline buyer protection in practice: if a tradeline doesn't post as agreed, your funds haven't gone anywhere - escrow doesn't release payment, and our support team works to resolve or reassign your order.
Escrow-protected. Seller-verified. No cost to browse.
Buyer Protection
Frequently Asked Questions
Short, direct answers - no fine print surprises.
Do I pay the seller directly?
No. Payment goes to a neutral third-party escrow provider and is only released once the tradeline posts as agreed.
What if the tradeline never posts?
You're protected - funds aren't released to the seller until posting is confirmed, and our support team helps resolve any issue.
How is a seller verified before their tradeline is listed?
Every seller goes through identity and account verification before their tradeline appears in our inventory - we don't list unverified accounts.
What happens if I want a refund or reassignment?
If a tradeline doesn't post as agreed, escrow funds haven't been released, and our support team will work with you on a resolution - including reassignment to another available tradeline where appropriate.
Can a provider guarantee my credit score will go up by a specific amount?
No legitimate provider can promise that - results depend on your existing credit file and how your lender weighs authorized-user history. Be skeptical of anyone who guarantees a number.
Is there a limit to how many tradelines I should buy at once?
Most buyers start with one to three tradelines. Adding too many at once can trigger additional review from lenders and credit bureaus, so our team can help guide your selection based on your credit goals.
What makes Tradeline Score different from other tradeline sellers?
Every transaction runs through third-party escrow before a seller receives payment, every seller is verified before being listed, and you can see reporting details up front - rather than relying on promises alone.
Is this legal?
Yes. Authorized user tradelines are legal under the Equal Credit Opportunity Act. This is different from CPNs or credit sweeps, which we don't offer or support.