Frequently Asked Questions

1. What are primary trade lines?

Answer: Primary trade lines are credit accounts that are reported to the credit bureaus in your name. Unlike authorized user accounts, where you “piggyback” off someone else’s credit, these accounts appear as if you are the original account holder. This gives you full ownership and control, which is more beneficial when applying for funding.

Answer: We offer revolving credit cards, mortgage trade lines, and auto trade lines. These accounts are reported as if you personally own them, which helps build a strong credit profile, especially when applying for large business or personal loans.

2. What types of primary lines are available?

Answer: Authorized user accounts show that you’re using someone else’s credit. While they can temporarily boost your score, lenders often scrutinize them closely. Primary trade lines, on the other hand, show full responsibility for the account, which lenders view more favorably when assessing risk for new credit.

3. How are primary trade lines better than authorized user accounts?

4. What is the sign-up fee, and what does the subscription include?

Answer: There is a one-time sign-up fee to activate your primary trade line, and we also offer a subscription plan that ensures the line continues to report and stay active. Details of the sign-up fee and subscription costs will vary depending on the size and type of trade line you choose.

Answer: As long as you keep up with the subscription, the trade lines will remain on your report. We recommend maintaining them for at least six months to see the best results when applying for new credit or funding.

5. How long do these trade lines stay on my credit report?

Answer: While having strong primary trade lines significantly increases your chances of being approved for funding, we cannot guarantee approval. Approval depends on several factors, including your overall credit profile, income, and the lender’s criteria.

6. Will these trade lines guarantee that I get approved for funding?

Answer: Primary trade lines typically appear on your credit report within 30 to 60 days. We work closely with the credit reporting agencies to ensure timely reporting, but times may vary based on the specific line and bureau.

7. How soon will the trade lines appear on my credit report?

Answer: Yes, you can combine primary trade lines with authorized user trade lines to further strengthen your credit profile. However, primary trade lines will carry more weight since they are in your name and show greater financial responsibility.

8. Can I combine this with authorized user trade lines?

9. Is there a refund policy if I’m not satisfied?

Answer: We offer a satisfaction guarantee within the first 30 days. If you are not seeing the results we’ve discussed or are unhappy with the service for any reason, you can request a refund within that period.

10. How does this affect my credit utilization?

Answer: Depending on the type of trade line (revolving credit card, for example), it will help lower your credit utilization ratio, which is a major factor in your credit score. The more available credit you have compared to what you owe, the better your utilization looks to lenders.

Answer: As with any credit product, it’s essential to manage the accounts responsibly. Missed payments or high balances on these trade lines can negatively affect your credit score, so we encourage our clients to be diligent with payments and account management.

11. Are there any risks involved in adding primary trade lines?

Answer: No, the primary trade lines will appear as if you are the original account holder, and they will be indistinguishable from accounts you’ve opened yourself. This builds a more solid and reliable credit profile in the eyes of lenders.

12. Will lenders know these are purchased trade lines?

Answer: Yes, you can cancel your subscription at any time. However, keep in mind that if you cancel, the trade line will stop reporting, which may affect your credit profile.

13. Can I cancel the subscription at any time?

Answer: The number of primary trade lines depends on your specific credit goals. If you are looking to build a robust credit profile quickly, adding multiple lines (e.g., a combination of revolving credit, auto, and mortgage lines) will provide a better mix and make your profile stronger.

14. How many primary trade lines should I get?

Answer: Yes, having strong primary trade lines on your personal credit can enhance your chances of securing business credit, as many lenders consider personal credit when assessing business credit applications.

15. Will these trade lines help me get business credit?