Where to Sell Tradelines: Compare Broker Payouts

The hard part of working out where to sell tradelines isn’t finding a broker. It’s that every broker accepts a different set of cards, wants the authorized user added a different way, and pays a different amount for the same card. I’ve placed cards with most of the companies below, so rather than keep the comparison in my head I keep it here, pulled live from the spreadsheet I actually maintain.

If you’re new to this, an authorized user tradeline just means adding someone to a credit card you already hold. The CFPB explains what an authorized user is; my own account of doing it for money is in Selling Tradelines: My experience.

What will my card pay?

Pick the issuer, enter the credit limit and the date the account was opened. Everything below is per authorized-user spot. Tradeline Supply and Boost Credit 101 publish rate schedules; the others don’t, so where you see my rates those are figures I’ve been paid myself.

Card issuer

Credit limit

Account opened

Month and year is enough — use the 1st.

Broker	Per spot	Cycle	Per month
Enter a limit and an open date to compare.

Which tradeline brokers are worth dealing with

These are companies I work with, have worked with, or consider serious operators. I’ve written longer reviews of the two biggest: Tradeline Supply Company and Boost Credit 101.

TLDB Brokers

broker	enrolling
KOL	yes
TSC	yes
BC101	yes
IMCF	yes
Coast	yes
Tscore	yes

These are brokers that I work with, or I have worked with, and are reasonably serious players (links to their webpage)

Which credit cards work for tradelines

Not every card is sellable. This is which issuers are known to work for at least one broker, along with how many authorized users each card allows and whether the issuer reports the account age.

TLDB Cards

card	age	lifeLim	annLim	currLim	address	SSN	DOB	add OL	rem OL	risk
AmEx		99				yes	yes	yes	chat	low
Chase	yes				yes		yes	yes	msg	high
Citi	yes					yes				mid
BofA	yes									high
Discover	yes		7		yes	yes	yes	yes	yes
PNC	yes		5			yes	yes
Elan	yes					yes	yes			low
Barclays	yes	35			yes		yes	yes	yes	low
CapitalOne	yes					yes	yes	yes		high
Huntington Bank	yes				yes	yes	yes	yes
NFCU	yes				yes	yes	yes	yes
TD Bank	yes				yes		yes
US Bank	yes					yes	yes	yes
Wells Fargo	yes			5			yes	yes		low

These cards are known to work for tradelines for at least one broker. Columns = age (whether account age is reported to the credit bureaus by the card issuer), lifeLim (lifetime limit, maximum number of authorized users that can be added to the card, ever), annLim (annual limit, maximum number of authorized users that can be added to a card per year), currentLim (current limit, maximum number of authorized users that can be added to the card at the same time), address (the authorized user address is required), SSN (the SSN of the authorized user is required), DOB (the date of birth of the authorized user is required), add OL (the authorized user can be added online), rem OL (the authorized user can be removed online), risk (how risky it is to sell tradelines on this card...)

How each broker wants the authorized user added

Some brokers are specific about how you add and remove the authorized user, because it changes the odds of the tradeline actually posting. This is that list.

TLDB Admin

Card	Broker	Add	Remove
AmEx	IMCF	online	online chat
Barclays	BC101	online	online
Discover	BC101	online	online
PNC	BC101	phone
US Bank	BC101	online	phone
Elan	BC101	phone
Chase	BC101	online	online message
CapitalOne	TSC	online	online
Chase	TSC	online
Barclays	TSC	online	online
Discover	TSC	online	online
Bank of America	TSC	online
Elan	TSC	online
Wells Fargo	Coast	online	phone
Alliant CU	TSC
Barclays	Coast
Discover	Coast
Chase	Coast
Bank of America	Coast
Elan	Coast
Citi	Coast
PNC	Coast
Barclays	Tscore
Discover	Tscore
CapitalOne	Tscore
Chase	Tscore
Bank of America	Tscore
Elan	Tscore
Citi	Tscore
PNC	Tscore
US Bank	Tscore
NFCU	Tscore
Alliant CU	Tscore
TD Bank	Tscore

Some brokers give specific instructions on how they want sellers to add the authorized user to improve the chances of the tradeline to post, this is that list

What brokers pay per tradeline spot

Payout depends on the card’s age and credit limit, and on how long each broker’s cycle runs. Note that American Express doesn’t report account age for authorized users, so an Amex is priced as if it were brand new no matter how long you’ve held it.

TLDB Payouts

Broker	Card	Age band	Limit band	Cycles	Payout	AgeMin	AgeMax	LimitMin	LimitMax
TSC	all issuers	12–23 months	$900–$1,999	2	0	1	2	900	2000
TSC	all issuers	2–4 years	$900–$1,999	2	0	2	5	900	2000
TSC	all issuers	5–9 years	$900–$1,999	2	0	5	10	900	2000
TSC	all issuers	10–19 years	$900–$1,999	2	50	10	20	900	2000
TSC	all issuers	20+ years	$900–$1,999	2	75	20		900	2000
TSC	all issuers	12–23 months	$2,000–$4,999	2	0	1	2	2000	5000
TSC	all issuers	2–4 years	$2,000–$4,999	2	0	2	5	2000	5000
TSC	all issuers	5–9 years	$2,000–$4,999	2	40	5	10	2000	5000
TSC	all issuers	10–19 years	$2,000–$4,999	2	75	10	20	2000	5000
TSC	all issuers	20+ years	$2,000–$4,999	2	85	20		2000	5000
TSC	all issuers	12–23 months	$5,000–$9,999	2	0	1	2	5000	10000
TSC	all issuers	2–4 years	$5,000–$9,999	2	40	2	5	5000	10000
TSC	all issuers	5–9 years	$5,000–$9,999	2	60	5	10	5000	10000
TSC	all issuers	10–19 years	$5,000–$9,999	2	100	10	20	5000	10000
TSC	all issuers	20+ years	$5,000–$9,999	2	125	20		5000	10000
TSC	all issuers	12–23 months	$10,000–$14,999	2	0	1	2	10000	15000
TSC	all issuers	2–4 years	$10,000–$14,999	2	60	2	5	10000	15000
TSC	all issuers	5–9 years	$10,000–$14,999	2	125	5	10	10000	15000
TSC	all issuers	10–19 years	$10,000–$14,999	2	200	10	20	10000	15000
TSC	all issuers	20+ years	$10,000–$14,999	2	225	20		10000	15000
TSC	all issuers	12–23 months	$15,000–$19,999	2	0	1	2	15000	20000
TSC	all issuers	2–4 years	$15,000–$19,999	2	80	2	5	15000	20000
TSC	all issuers	5–9 years	$15,000–$19,999	2	150	5	10	15000	20000
TSC	all issuers	10–19 years	$15,000–$19,999	2	250	10	20	15000	20000
TSC	all issuers	20+ years	$15,000–$19,999	2	265	20		15000	20000
TSC	all issuers	12–23 months	$20,000–$29,999	2	50	1	2	20000	30000
TSC	all issuers	2–4 years	$20,000–$29,999	2	125	2	5	20000	30000
TSC	all issuers	5–9 years	$20,000–$29,999	2	200	5	10	20000	30000
TSC	all issuers	10–19 years	$20,000–$29,999	2	275	10	20	20000	30000
TSC	all issuers	20+ years	$20,000–$29,999	2	300	20		20000	30000
TSC	all issuers	12–23 months	$30,000–$39,999	2	100	1	2	30000	40000
TSC	all issuers	2–4 years	$30,000–$39,999	2	175	2	5	30000	40000
TSC	all issuers	5–9 years	$30,000–$39,999	2	250	5	10	30000	40000
TSC	all issuers	10–19 years	$30,000–$39,999	2	300	10	20	30000	40000
TSC	all issuers	20+ years	$30,000–$39,999	2	325	20		30000	40000
TSC	all issuers	12–23 months	$40,000–$55,999	2	150	1	2	40000	56000
TSC	all issuers	2–4 years	$40,000–$55,999	2	250	2	5	40000	56000
TSC	all issuers	5–9 years	$40,000–$55,999	2	300	5	10	40000	56000
TSC	all issuers	10–19 years	$40,000–$55,999	2	350	10	20	40000	56000
TSC	all issuers	20+ years	$40,000–$55,999	2	375	20		40000	56000
TSC	all issuers	12–23 months	$56,000–$65,999	2	175	1	2	56000	66000
TSC	all issuers	2–4 years	$56,000–$65,999	2	275	2	5	56000	66000
TSC	all issuers	5–9 years	$56,000–$65,999	2	350	5	10	56000	66000
TSC	all issuers	10–19 years	$56,000–$65,999	2	375	10	20	56000	66000
TSC	all issuers	20+ years	$56,000–$65,999	2	400	20		56000	66000
TSC	all issuers	12–23 months	$66,000+	2	200	1	2	66000
TSC	all issuers	2–4 years	$66,000+	2	300	2	5	66000
TSC	all issuers	5–9 years	$66,000+	2	375	5	10	66000
TSC	all issuers	10–19 years	$66,000+	2	425	10	20	66000
TSC	all issuers	20+ years	$66,000+	2	450	20		66000
BC101	Barclays	0.5–1 years	$1,000–$20,000	2	25	0.5	2	1000	20001
BC101	Barclays	0.5–1 years	$20,001–$40,000	2	50	0.5	2	20001	40001
BC101	Barclays	0.5–1 years	$40,001+	2	75	0.5	2	40001
BC101	Barclays	2+ years	$10,000–$15,000	2	75	2		10000	15001
BC101	Barclays	2+ years	$15,001–$20,000	2	125	2		15001	20001
BC101	Barclays	2+ years	$20,001–$30,000	2	175	2		20001	30001
BC101	Barclays	2+ years	$30,001–$40,000	2	200	2		30001	40001
BC101	Barclays	2–9 years	$40,001+	2	225	2	10	40001
BC101	Barclays	10+ years	$40,001+	2	300	10		40001
BC101	Discover	0.5–1 years	$1,000–$20,000	2	25	0.5	2	1000	20001
BC101	Discover	0.5–1 years	$20,001–$40,000	2	50	0.5	2	20001	40001
BC101	Discover	0.5–1 years	$40,001+	2	75	0.5	2	40001
BC101	PNC	0.5–1 years	$1,000–$20,000	3	25	0.5	2	1000	20001
BC101	PNC	0.5–1 years	$20,001–$40,000	3	50	0.5	2	20001	40001
BC101	PNC	0.5–1 years	$40,001+	3	75	0.5	2	40001
BC101	PNC	2+ years	$10,000–$15,000	3	125	2		10000	15001
BC101	PNC	2+ years	$15,001–$20,000	3	150	2		15001	20001
BC101	PNC	2+ years	$20,001–$30,000	3	200	2		20001	30001
BC101	PNC	2+ years	$30,001–$40,000	3	250	2		30001	40001
BC101	PNC	2–9 years	$40,001+	3	275	2	10	40001
BC101	PNC	10+ years	$40,001+	3	350	10		40001
BC101	US Bank	0.5–1 years	$1,000–$20,000	2	25	0.5	2	1000	20001
BC101	US Bank	0.5–1 years	$20,001–$40,000	2	50	0.5	2	20001	40001
BC101	US Bank	0.5–1 years	$40,001+	2	75	0.5	2	40001
BC101	US Bank	2+ years	$10,000–$15,000	2	75	2		10000	15001
BC101	US Bank	2+ years	$15,001–$20,000	2	125	2		15001	20001
BC101	US Bank	2+ years	$20,001–$30,000	2	175	2		20001	30001
BC101	US Bank	2+ years	$30,001–$40,000	2	200	2		30001	40001
BC101	US Bank	2–9 years	$40,001+	2	225	2	10	40001
BC101	US Bank	10+ years	$40,001+	2	300	10		40001
BC101	Elan	0.5–1 years	$1,000–$20,000	2	25	0.5	2	1000	20001
BC101	Elan	0.5–1 years	$20,001–$40,000	2	50	0.5	2	20001	40001
BC101	Elan	0.5–1 years	$40,001+	2	75	0.5	2	40001
BC101	Elan	2+ years	$10,000–$15,000	2	75	2		10000	15001
BC101	Elan	2+ years	$15,001–$20,000	2	125	2		15001	20001
BC101	Elan	2+ years	$20,001–$30,000	2	175	2		20001	30001
BC101	Elan	2+ years	$30,001–$40,000	2	200	2		30001	40001
BC101	Elan	2–9 years	$40,001+	2	225	2	10	40001
BC101	Elan	10+ years	$40,001+	2	300	10		40001
BC101	Chase	0.5–1 years	$1,000–$20,000	4	25	0.5	2	1000	20001
BC101	Chase	0.5–1 years	$20,001–$40,000	4	50	0.5	2	20001	40001
BC101	Chase	0.5–1 years	$40,001+	4	75	0.5	2	40001
BC101	Chase	2+ years	$10,000–$15,000	4	175	2		10000	15001
BC101	Chase	2+ years	$15,001–$20,000	4	200	2		15001	20001
BC101	Discover	2+ years	$10,000–$15,000	2	75	2		10000	15001
BC101	Discover	2+ years	$15,001–$20,000	2	125	2		15001	20001
BC101	Discover	2+ years	$20,001–$30,000	2	175	2		20001	30001
BC101	Discover	2+ years	$30,001–$40,000	2	200	2		30001	40001
BC101	Discover	2–9 years	$40,001+	2	225	2	10	40001
BC101	Discover	10+ years	$40,001+	2	300	10		40001
BC101	Chase	2+ years	$20,001–$30,000	4	250	2		20001	30001
BC101	Chase	2+ years	$30,001–$40,000	4	275	2		30001	40001
BC101	Chase	2–9 years	$40,001+	4	350	2	10	40001
BC101	Chase	10+ years	$40,001+	4	400	10		40001
IMCF	AmEx	any	$20,000–$29,999	2	54	0		20000	30000
IMCF	AmEx	any	$30,000–$34,999	2	76	0		30000	35000
IMCF	AmEx	any	$35,000–$49,999	2	84	0		35000	50000
IMCF	AmEx	any	$50,000+	2	110	0		50000
Tscore	all issuers	under 2 years	$1,000–$20,000	2	25	0	2	1000	20001
Tscore	all issuers	under 2 years	$20,001–$40,000	2	50	0	2	20001	40001
Tscore	all issuers	under 2 years	$40,001+	2	75	0	2	40001
Tscore	all issuers	2+ years	$1,000–$9,999	2	50	2		1000	10000
Tscore	all issuers	2+ years	$10,000–$15,000	2	75	2		10000	15001
Tscore	all issuers	2+ years	$15,001–$20,000	2	125	2		15001	20001
Tscore	all issuers	2+ years	$20,001–$30,000	2	175	2		20001	30001
Tscore	all issuers	2+ years	$30,001–$40,000	2	200	2		30001	40001
Tscore	all issuers	2–9 years	$40,001+	2	225	2	10	40001
Tscore	all issuers	10+ years	$40,001+	2	300	10		40001
Tscore	Chase	2+ years	$1,000–$9,999	3	50	2		1000	10000
Tscore	Chase	2+ years	$10,000–$15,000	3	125	2		10000	15001
Tscore	Chase	2+ years	$15,001–$20,000	3	150	2		15001	20001
Tscore	Chase	2+ years	$20,001–$30,000	3	200	2		20001	30001
Tscore	Chase	2+ years	$30,001–$40,000	3	250	2		30001	40001
Tscore	Chase	2–9 years	$40,001+	3	275	2	10	40001
Tscore	Chase	10+ years	$40,001+	3	350	10		40001
Tscore	Bank of America	2+ years	$1,000–$9,999	3	50	2		1000	10000
Tscore	Bank of America	2+ years	$10,000–$15,000	3	125	2		10000	15001
Tscore	Bank of America	2+ years	$15,001–$20,000	3	150	2		15001	20001
Tscore	Bank of America	2+ years	$20,001–$30,000	3	200	2		20001	30001
Tscore	Bank of America	2+ years	$30,001–$40,000	3	250	2		30001	40001
Tscore	Bank of America	2–9 years	$40,001+	3	275	2	10	40001
Tscore	Bank of America	10+ years	$40,001+	3	350	10		40001

Calculate the payout based on card age and limit. Amex does not report account age, so an Amex is priced as if it were brand new no matter how long you have held it.

Broker terms change and I don’t always catch it. If something here is out of date, please let me know — corrections are what keep this useful. Thanks for checking in.

Spotted something out of date?

Payouts move, brokers open and close their books, and a site redesign can quietly break what I pull in here. If you’ve placed a card recently and the numbers above don’t match what you were actually paid, tell me. It takes a minute and it keeps this honest for the next person.