Pros & Cons of Tradelines You Need to Know

Your credit card score has a huge impact on whether you qualify for a long, get that loan on a lower interest rate, renting an apartment, and getting insurance policies. There are so many ways in which a good credit score can create a lot of beneficial opportunities for you.

But building that credit score takes time. And if you don’t have that kind of time, then buying a tradeline is another thing that you can go for. If you don’t know anything about buying tradelines, then you are at the right place. Keep reading till the end to learn about the pros and cons of tradelines.

What are Tradelines?

Tradeline is a user account that appears on your credit report or credit record. If you want to improve your credit score, you can buy trade lines to do that. When you purchase a tradeline, you pay to become an authorized user on someone else’s credit card account. This way, you get to piggyback on their credit score and build yours based on that. Tradelines work differently than credit repair services.

Buying authorized user tradelines requires you to pay certain kinds of fees, depending on the kind of services that you are looking for. There are many 3rd party services out there that you can go to for buying tradelines. Choosing a reputable tradeline company allows you to enjoy all the benefits that a good credit score has to offer.

Lets’ go over the pros and cons of buying tradelines that you need to know about how to get the best tradelines for sale in 2021 as well.

Pros & Cons of Buying Tradelines


Boosts Credit Score and Credit Report

On average, buying authorized user tradelines can boost your credit score up to 80 points. Now, this boost is enough to get you qualified for buying a car or to get a loan. This is simple and easy you can take advantage of the facilities that having a good credit score has to offer.        

Increases Your Chances of Loan Approval

If your credit history has not been good in the past, you might feel a bit reluctant when applying for a loan. And it makes sense because your application might be returned unaccepted. But if you buy CPN tradelines, then it increases your chances of getting a loan, without any problems. So, this way, existing or future debts don’t have an impact on your ability to get new loans.

CPN Tradelines Makes it Easier For you Rent a Place

When you have a good credit score, it shows that you are a trustworthy person. This makes it easier for potential landlords to allow you to rent their property. This greatly increases your chances of renting a decent place in a good neighborhood.


Not Effective in the Long Run

Being an authorized user on someone else’s card is not a permanent solution. They can remove your account whenever they want to. And if you get the account on the credit card of a person that you don’t know, it makes this approach even more unreliable for you because of the potential impact on payment history. 

Credit Bureaus are Against Buying Tradelines

Lenders, government authorities, three major credit bureaus, and credit reporting agencies are against buying tradelines. They think of this as deception and can close the account of the seller if they find such kinds of actives on the account.

You Are at the Mercy of Cardholder’s Behavior

When you become an authorized user of someone else’s credit card account, you still have no control over the way they use their card. If the owner of the card has a high utilization rate and they have issues with their payments, then it is also going to be reflected on your credit score.

Final Words

Buying tradelines has its benefits and risks. But if you look at the overall impact, then buying tradelines has more pros than cons. You just need to find a reputable seller to buy the tradelines so that there is little risk involved for you in terms of trust and credibility.

And if you want long-term results, then we suggest you set up a plan to build a good credit score for yourself using the standard approach.


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