Tradeline FAQ: Buying, Selling & Escrow Questions

A tradeline is an account recorded on a credit report, such as a credit card, mortgage or loan. On TradelineScore, the term usually refers to an authorized-user credit card account. Reporting does not guarantee a credit score increase or lender acceptance.

TradelineScore connects buyers with cardholders offering authorized-user slots. Each listing includes its applicable terms, and orders follow TradelineScore’s payment, posting and protection policies. Buyers do not receive the cardholder’s login or permission to spend on the account.

An approved cardholder adds a buyer as an authorized user through the issuer. Reporting depends on the issuer, the bureau and the listing terms. Authorized-user addition, credit-report appearance, posting verification and lender acceptance are different events. Review Buyer Protection for the buyer process, or the cardholder page for the seller side.

The agreed removal date and duration shown for your specific listing control. Do not assume every tradeline stays for exactly 60 days or two billing cycles. Removal from the issuer's account and an update to a credit report may occur at different times.

No. This service does not give you a physical card, the cardholder's login or permission to spend on the account. Authorized-user treatment remains subject to the issuer's terms.

No. TradelineScore does not require a credit check or income verification to buy a tradeline. Identity verification and payment requirements apply.

Your payment is held pending posting verification under the order terms. Seller payment is released only after posting is confirmed through TradelineScore's verification process. Read the Escrow Process for payment steps and Buyer Protection for an overview. Payment holding does not guarantee a credit result or an automatic refund when an estimated window passes.

If a tradeline has not posted by the listing-specific final reporting date and the claim qualifies under the Posting Guarantee and Refund Policy, you are entitled to a full refund for the affected tradeline or service, including its share of the card-processing fee. For qualifying early removal or material service failure before the agreed removal date, you may choose an appropriate replacement or a full refund. Report an issue during the protection period, which continues through the agreed removal date and serves as the dispute window.

A typical estimate is 7–15 business days after the authorized user is added. Timing varies by listing, issuer and credit bureau. Check the expected window and final reporting date for the individual listing; do not assume the estimate starts at payment or creates an automatic refund deadline. See the timeline guide for the reporting steps. The Refund Policy explains qualifying remedies and the dispute window.

An eligible cardholder may earn income by offering an authorized-user slot, subject to the issuer's terms and the agreed posting and removal requirements. Earnings vary by card and arrangement. You add and remove the authorized user through your own issuer; the buyer does not receive your login or permission to spend. Review the cardholder page before committing.

Authorized-user accounts are a recognized feature of credit accounts, but issuer terms, lender treatment and applicable requirements can vary. TradelineScore does not provide legal advice or guarantee lender treatment. Review the Risk Disclosure and consult a qualified legal professional about your situation.

Identity information is used for verification and order fulfillment. Some information may need to be shared with parties involved in the transaction, such as a cardholder adding an authorized user. Review the Security page and Privacy Policy for the stated safeguards and data practices. As with any online service, security risk cannot be eliminated entirely.

CPNs, SCNs and similar alternative-number schemes are sometimes marketed as substitutes for a Social Security number or as a way to create a separate credit identity. TradelineScore does not accept CPNs, fabricated identities or identity information used to misrepresent who you are. Use your genuine identity information for verification.