Start A Business with Wholesale Tradelines

A low credit score significantly impacts a person’s life. Low scores lead to loan denials, high-interest rates, and high insurance premiums. And once a history of poor credit is established, it can be hard to repair. As a business owner, having poor credit is something you never want to go through.

However, did you know there is a way that you can help people build their credit back up? Whether you’re an aspiring entrepreneur looking to establish your first business or an established business owner looking to make additional money, you might be interested in selling tradelines as a credit partner or as a broker.

What are tradelines?

A tradeline is an account that appears on a credit report. People with bad credit can add an authorized tradeline from someone else’s credit card to their account, and the positive payment history from the tradeline will raise the poor credit score. Some people opt to add a tradeline from a family or friend, but that’s not an option for everyone.

That’s where you as a credit partner would come in. As a credit partner, you would sell tradelines and allow other people (known as authorized users) to piggyback off of your account. Your high credit score would eventually allow your score to raise.

Can you really make money selling tradelines?

Yes, you can. However, commissions will be based on whatever company you choose to sell tradelines through. Commissions will range greatly and it’s something you’ll need to consider before committing to a company.

Authorized users will pay to have a spot on an account and will stay on for about two months. Authorized users will typically pay more to be added to older accounts with high limits. After the two months are up, one authorized user gets removed and another gets added. It can take time to learn how to add and remove users, but once you get the hang of it, the process is simple.

What steps do I have to take to sell tradelines?

There are a few simple steps to take to start selling tradelines. The first step is checking your own credit history. Your own account needs to be in good standing. Nobody will want to be added to your account if your credit history is bad!

Once you’ve established that your own credit is good, you’ll need to find a tradeline company you want to work with. A company can help give you access to tradelines that you can then sell to clients. After you or the company sells the tradeline to a client, you’ll then need to add the authorized user to your credit card. While they’re on your account, you’ll need to maintain your credit card as usual. After a certain amount of time, you’ll remove the authorized user from your account.

Are there any risks involved?

There are successes and risks with every business, and selling tradelines is no different! A common question is whether tradelines are legal since they are basically a loophole to getting better credit. While tradelines are legal, selling them does go against some credit card companies’ terms of service. Check with your company to see if they allow tradelines.

Most banks only allow two authorized users’ spots per card. If you choose to add more than two per card, you risk the chance of your card getting shut down. If your card gets shut down, you could lose your own established credit history which could impact your own finances. Some people opt to get new credit cards through another bank whenever they start selling tradelines to avoid the possibility of their main card getting shut down.

And, of course, there are always risks when buying products with a credit card. If you’re using your card to make purchases to maintain your own credit, there’s always a chance your credit card number could end up in the wrong person’s hand.

Where can I safely buy wholesale tradelines?

There are a number of companies out there! If you partner with Personal Tradelines (, you’ll not only gain access to their wholesale tradeline inventory but access to their Reseller Program. This program will teach you even more about what selling tradelines involve.


If you take the time to do your research and fully understand the process, selling tradelines could be your next startup. If you enjoy working with clients and have a great financial history of your own, you could help people with poor credit improve their credit history and get more financially stable.

Dragan Sutevski

Posted by Dragan Sutevski

Dragan Sutevski is a founder and CEO of Sutevski Consulting, creating business excellence through innovative thinking. Get more from Dragan on Twitter. Contact Dragan