Seller Protection
💰 Your Payment Is Already Secured Before You Add Anyone
Will you actually get paid? Is your personal information safe? Both are fair concerns when you're renting out an authorized user slot on your own credit card. Here's exactly how Tradeline Score protects you as a seller, from the moment you list a slot to the moment funds hit your account.
How Your Payment Is Secured
Buyer Pays
Funds go to escrow
Escrow Holds Funds
Secured before you act
You Get Paid
After posting confirms
🔍 Will I Actually Get Paid? Check for Yourself
Here's what separates a real escrow-backed platform from a handshake deal.
The buyer's payment is collected first
Funds are already in escrow before you're ever asked to add anyone as an authorized user.
Every buyer is identity-verified
You're not adding a stranger with no verification on file - that check happens before purchase.
You're never asked to front the work on trust alone
No "add them first, get paid later" arrangement - the money moves before the account does.
Clear, trackable payout status
See exactly where your payment stands from your dashboard, not just a promise over email.
Walk Away If You See This - Anywhere
- Asked to add someone before payment is confirmed
- No visibility into when or how you'll be paid
- No identity verification on the buyer's side
- Pressure to skip your own verification "to move faster"
💳 How You Get Paid - Step by Step
The buyer's money is locked in before you ever touch their account.
- 01
A buyer purchases your listed tradeline
Their payment goes straight to escrow - not to you yet, and not to us.
- 02
You add the buyer as an authorized user
Using only the details required for that, delivered through our platform.
- 03
The tradeline posts to the buyer's credit report
Tracked against the reporting window shown on your listing.
- 04
Posting is confirmed on both sides
Your dashboard and the buyer's reflect the same status.
- 05
Escrow releases your payment
Only once posting is confirmed - never before.
You're paid on confirmed results - not promises.
🧾 Who Can Sell? What It Takes to Qualify
We're selective about which accounts get listed - a buyer's protection depends on the quality of what's actually being added to their credit file. Generally, qualifying means:
- You're the primary account holder. Only accounts you personally opened and control can be listed - never someone else's.
- The account is seasoned. Industry-standard "seasoned" generally means 24 or more months of age, with a clean, on-time payment history.
- Utilization stays low. High balances relative to your limit can reduce or disqualify a listing's value.
- No major changes planned mid-listing. New charges, inquiries, or applications tied to the card during the listing period can affect what's being reported.
🔒 Is My Information Safe - and How Do I Get the Buyer's?
Listing a slot means handling identity details on both sides. Here's exactly what that involves, and what it doesn't.
What we verify about you, and why
Your identity and account details are verified to confirm you're the legitimate primary holder and to prevent fraud. This isn't shared with the buyer directly.
What you'll receive to add a buyer
Typically their full legal name, date of birth, and Social Security number - standard information most card issuers require for an authorized user addition. It reaches you through our verified order flow after the buyer has already passed identity verification, not as a raw file forwarded by a stranger.
What a buyer never gets from you
Your card number, login credentials, or account access. Authorized user status doesn't include a physical card or the ability to make charges.
🛡️ What We Guarantee
Built So You're Never Working on Trust Alone
Of the buyer's payment is escrow-held before you add anyone
Times you're asked to front the work before payment is secured
Every buyer passes identity verification before purchase
If a buyer disputes a posting or a listing falls through, our team reviews the claim against the actual listing terms - posting confirmation, timing, and account details - before any escrow funds move. You're never left negotiating alone with a stranger.
No fees to apply. You control your pricing and availability.
Seller Protection
Frequently Asked Questions
Short, direct answers - no fine print surprises.
Do I get paid before or after the tradeline posts?
Payment is collected and held in escrow before you add the buyer, and released to you once posting is confirmed - so you're not waiting on the buyer's word.
What information do I have to share with the buyer?
None directly. The details needed to add them as an authorized user come to you through our platform's verified order flow, not a stranger's direct message.
What information will I need to add a buyer as an authorized user?
Typically a buyer's full legal name, date of birth, and Social Security number - standard information most card issuers require for an authorized user addition. It's delivered through our verified platform after the buyer has already passed identity verification.
What happens if a buyer claims the tradeline didn't post?
Our team reviews the claim against the posting confirmation and listing terms before any escrow funds move - it isn't a direct back-and-forth between you and the buyer.
Can I control which buyers get added to my account?
Yes - you set the terms of your listing, and buyers go through verification before a purchase is finalized.
What are the requirements to become a seller?
You need to be the primary holder of a seasoned account - generally 24-plus months old, with a clean on-time payment history and low utilization. We verify this before your listing goes live.
Will this affect my own credit or account in any way?
Adding an authorized user doesn't give them a physical card or the ability to make charges - it's a standard feature card issuers offer, not something outside normal account use. Keep an eye on your own utilization and payment history the same way you would regardless of any listing.
Is selling tradelines legal?
Yes. Adding an authorized user to your own account is a standard, legal practice that card issuers explicitly support. It's different from primary-tradeline arrangements or CPN-based schemes, which we don't work with.
Do I need to report this income for taxes?
Possibly - income from tradeline sales may be reportable. We'd recommend checking with a tax professional about how it applies to your specific situation.
How is this different from being a broker or affiliate?
Selling means listing slots on your own credit card for income. Our Broker Affiliate program is a separate, referral-based option where you earn commission by referring other brokers rather than listing your own accounts - worth exploring if that fits you better.