Tradelines Archives - Page 11 of 44

Are Student Loans Installment or Revolving?

People building credit from scratch often lean on their student loans as their main account — and then wonder why their score isn’t moving the way they expected. The answer usually comes down to the type of debt. Are student loans installment or revolving? They’re installment loans, and that distinction matters more than most people realize when it comes to how your credit score is calculated. Related: which type of debt is most often secured — worth reading if this applies to you.

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Can I pay to be an authorized user?

Buyers ask me this one a lot — usually right after they’ve spent twenty minutes Googling tradeline companies and aren’t sure if the whole thing is legitimate. The short answer: yes, you can pay to be added as an authorized user on someone else’s credit card. That’s actually the entire business model I run at kindoflost.com.

But there’s a longer answer worth reading before you spend money, because not all AU tradelines are the same, and a few details can make the difference between a purchase that moves your score and one that doesn’t.

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How to Get a Home Improvement Loan with Bad Credit

A lot of people come across tradelines specifically because they’re trying to qualify for something — a car loan, an apartment, or in many cases, a home improvement loan. Their credit score is the problem, they’ve got a renovation project staring them down, and they need a way to close the gap fast. I sell authorized user tradelines, so I hear this situation regularly. Here’s what I actually tell people about how to get a home improvement loan with bad credit.

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Auto Primary Tradelines: What’s Real and What’s Risky

I sell authorized user tradelines on my own credit cards, and one of the questions that keeps landing in my inbox is about auto primary tradelines — usually from someone who’s been told they need one on their report before a car purchase will go through. An auto primary tradeline is an auto loan reported on your credit file with you as the primary borrower: your name on the loan, your payment history, your responsibility. That’s the simple part. The complicated part is the market that has grown around the phrase, because a lot of people typing it into Google aren’t looking for a definition — they’re looking to buy one. And that’s where I owe you a straight answer, even if it costs me a sale (it usually doesn’t — more on that below).

Sell Credit Cards as Tradelines: How It Actually Works

People find this post after Googling some version of “can I make money with my credit cards” — which is also how I found my way into selling tradelines a few years back. (I remember to this day the many times I typed variations of “monetize good credit” into Google with zero useful results.) The short answer is yes, if you have the right cards, you can earn money by renting them out as authorized user tradelines.

Here’s what that actually looks like in practice.

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