Tradeline Supply Company Review: My Experience as a Seller

Tradeline Supply Company was the first tradeline broker I ever used — and the one I’d point someone to if they asked where to start. I found them through a post on the Wealthy Accountant blog, which itself came from a thread on the Mr. Money Mustache forum. At the time I had no idea selling tradelines was even a thing. TSC was where I learned how the whole business works.

This Tradeline Supply Company review is written entirely from the seller side. I’ve never bought a tradeline through them — I add buyers as authorized users to my own credit cards and get paid when the tradeline posts. If you’re on the buyer side, the mechanics are the same but the experience is different; I can only speak to what I’ve actually done.

What Tradeline Supply Company Is

TSC is the biggest tradeline broker I know of — they’re generally considered the largest player in the space. They connect people who want to improve their credit scores (buyers) with cardholders like me who add them as authorized users. The buyer pays TSC, TSC takes roughly 70%, and I get the remaining ~30% as the seller. In exchange, the buyer’s name appears on my credit report for three billing cycles, then I remove them. No direct contact with buyers — TSC handles all of that.

If you’re new to how this works mechanically, my tradelines FAQ covers the basics — what moves a credit score, why authorized user accounts matter, how long postings take.

Getting Set Up as a Seller

The onboarding process took me under two hours total. TSC collects your card information, verifies your accounts meet their requirements (seasoned cards, low utilization, clean payment history), and sets you up with a payroll system for direct deposit payments. They’ll also ask for your Credit Karma credentials to verify your cards — that felt a little uncomfortable the first time, but it’s how they confirm the account details without you having to submit documents manually.

At the start I also had a few phone calls with their team to get set up. After that, everything runs by email and text. They’re responsive — I’ve never had a question go unanswered for long.

The Day-to-Day Selling Process

When a buyer purchases one of my tradelines, I get a text and an email with the AU’s details — full name, address, date of birth, SSN, phone number. I have a window of 24 to 48 hours before the card’s statement closes to add them through my card issuer’s website. Adding an authorized user takes about five minutes. Removing them later, another five minutes.

One thing TSC does well: buyers almost always come in close to the statement closing date, which means you need to move quickly when that notification arrives. It’s not a problem if you’re reasonably responsive, but it’s not a “check it whenever” kind of task either.

You can see what TSC currently pays for specific card profiles by searching for TSC in the table below:

Pricing and Sales

TSC runs sales constantly — practically every holiday, and often in between. (I get the seller-side emails about them, even though I’m not a buyer.) If you’re considering buying a tradeline through them, it’s worth signing up for their email list and waiting for a discount. There’s almost certainly one coming within a month.

The pricing chart below shows TSC’s buyer-side prices compared to the broader market:

The BoA Card Situation

I should mention this because it’s the most concrete thing that’s happened to me selling through TSC. Bank of America closed one of my cards — a $40,000 limit card — after I sold a tradeline on it. They also closed my BoA business card at the same time (which I wasn’t that attached to), but left my checking accounts alone.

I don’t think TSC did anything wrong here. I’d actually sold tradelines on that same card before through my own channels without any issue. BoA is simply known in this industry for periodically auditing accounts and closing cards when they detect tradeline-selling activity. It’s one of the riskier issuers to list. I don’t sell BoA cards anymore — the lesson was expensive but clear. Capital One, Barclays, and a few others are much safer for this.

You will get a 1099 from TSC at the end of the year summarizing your earnings, which feeds into your tax filing. That’s standard and expected — just worth knowing upfront.

How TSC Compares to Other Brokers

I’ve also sold through Boost Credit 101, Improve My Credit Fitness, and Coast Tradelines. TSC moves the most volume of any broker I’ve used — more buyers, more consistent orders. The tradeoff is the same 70/30 split you’ll find everywhere. If you want a higher cut, you’d need to source buyers directly, which is what I do through my own store — but that’s a different kind of work.

TSC is also one of the more established and transparent operations in a space that has its share of sketchy players. The Wealthy Accountant recommended them on his blog — that’s actually how I found them — and my experience has been consistent with that endorsement.

Resources

The following is a list of resources to start learning about tradelines. We have a list of tradelines for sale, and a tradelines FAQ. Also various posts about tradelines, and a chart of tradeline prices from competitor sites. Finally, a contact form to ask further questions.

If you’re on the buyer side, you can also browse tradelines for sale in my store — I sell directly, which cuts out the broker markup.

Please feel welcome to ask any questions below.

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