Tradeline Supply Company Review

Written By Jeff Hindenach
Last updated July 14, 2021

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Reviews
July 14, 2021

Simple. Thrifty. Living.

Tradeline Supply Company is a Limited Liability Corporation (LLC) that has been in business since 2017. They have an A- rating on the Better Business Bureau and are well-reviewed on a variety of platforms.

Tradeline Supply Company functions as an online marketplace for people looking to buy and sell established tradelines. Tradelines refer to the credit accounts listed on your credit report. These are provided by a financial institution or lender to credit-reporting bureaus. They are used, in part, to determine someone’s credit score. People who buy tradelines are seeking to potentially improve their credit scores. While those looking to sell can make money by renting out their good credit history to a buyer.

Aid in Credit Repair

Purchasing tradelines can help with credit repair by temporarily adding years and reputation to your credit history. If you have a low credit score, tradelines may improve your chances of taking out a loan or qualifying for a mortgage.

This means, for example, that the buyer of the tradeline could be listed as an authorized user on the seller’s credit card. The understanding is that the card will never actually be used by the buyer but the seller will continue to use it responsibly and make payments on time. In turn, this will hopefully improve the buyer’s credit provided the right kind of account has been added to their file.

Some of the differentiating factors for Tradeline Supply Company include affordability, user experience, and customer service.

Affordability

Tradeline Supply is known for its affordability compared to competitors. With starting prices of around $150 per tradeline. By comparison, Boost Credit 101 has prices starting at $400 and Credit Pro begins at $250. That said, Tradeline Supply still offers high-quality tradelines. Offering a range of ages and credit limits that are comparable to those of competitors. Tradeline Supply’s lower initial price point indicates their accessibility to a wide range of consumers. As expressed in their core mission of providing tradelines and equal credit opportunities to as many people as possible.

Tradeline Supply offers a variety of deals for customers, including, purchasing the following:

  • Buying two lines and save 10% on the second line.
  • Purchasing three lines and save 10% off the second line and 20% on the third.
  • Acquiring four or more and save 10% on the second line, 20% on the third, and 30% off the fourth lines and any you buy after that.

User Experience

Buying a tradeline with Tradeline Supply Company is an easy and straightforward process. They have an online platform where you can easily browse tradelines and purchase at their leisure after filling out an initial form. By comparison, most competitors require consultations before purchase, and then the company itself will facilitate the transaction.

Customer Service

Many customer reviews indicate Tradeline Supply Company’s high-quality customer service and the ease of contacting support teams. Available from 7:00 am to 7:00 pm PST on weekdays and 8:00 am to 5:00 pm on weekends. Contact information is also readily available on their website. They even offer a variety of educational resources to help people with their credit.

Although Tradeline Supply isn’t accredited by the BBB, they are rated at A- and are among the highest BBB-rated tradeline companies in their field. At the time of this writing, they have 4.7 stars on Google with 96 ratings. They boast a solid reputation among numerous online review publications and on social media sites such as Facebook.

 

Yes. Tradeline Supply Company is safe, legitimate, and the purchase of tradelines is perfectly legal. However, buying (or selling) tradelines may not be the best option for everyone. This is due to the fact that credit situations will vary from person to person. Utilizing tradelines, in general, won’t guarantee an increase in your credit score. In turn, be the most effective strategy.

Success

Not everyone will see success when using tradelines. Some lenders can tell when a tradeline has been purchased as opposed to gained from family or friends. If you have a lower credit score, for example, and suddenly a $75,000 line of credit is appearing on your credit report your lender is likely going to have some questions. As such, it’s important to be thoughtful when purchasing tradelines during the process of credit repair.

Guarantees

Per the nature of tradelines, Tradeline Supply cannot guarantee any increase in your credit score. In fact, no company can guarantee this with absolute certainty. That said, they do guarantee two things:

  1. That you will be an authorized user on the tradelines you purchase for a minimum of two reporting cycles (about two months). 
  2. They guarantee that they will be reporting to two of the three credit reporting agencies — Equifax, Experian, and TransUnion. 

Reviews

As mentioned above, Tradeline Supply reviews are for the most part positive and enthusiastic on Google, social media, and review-focused websites or blogs. There are some negative reviews, as expected, but it’s encouraging to see that the company typically responds to these in a helpful manner. 

They even addressed a negative review smear campaign back in 2019 where some competitors or black-hat practitioners were creating fraudulent reviews in order to damage Tradeline Supply Company’s reputation. These types of reviews don’t reflect the quality of Tradeline Supply’s services, and their proactive measures indicate their professionalism and commitment to their customers.

Tradeline Supply Company offers affordable and useful services to its users. It has reliable and positive reviews, and is relatively straightforward from a user’s perspective. While Tradeline Supply is likely the best company for purchasing and selling tradelines. There are other credit repair options that may be more advantageous or beneficial depending on your particular situation. 

Having a better credit score can go a long way for the types of loans and credit cards available to you. Attempting to fix your credit score on your own by using a credit repair service of some kind can be a viable and worthwhile option. Assuming, you have the time to allow results to go into effect.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Simple. Thrifty. Living. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of financial journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing on personal finance for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

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