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Our Services

Authorized Users

Becoming an authorized user on someone else’s credit card account is a common strategy for improving credit quickly. It works best if the primary user’s card has a long record of on-time payments....

Mail Forwarding

With our system, We can easily have any mail you might get sent to another location forwarded to you, This could help you things off your credit report faster....

Credit Analysis

Coming soon youll be able to connect your credit report and let our proprietary AI decide which card fits your unique credit profile to give you best bang for your buck....

FICO Score

FICO, originally Fair, Isaac and Company, is a data analytics company based in San Jose, California focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956. Its FICO score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States.
How it works;
FICO Score has a range of 300-850. The score breaks down like this, 35% of it is payment history of a maximum of 192.5 points. 30% is Amount owed more commonly referred to as Utilization. This is worth a maximum of 165 points. Length of credit history is 15% or a max of 85.5 points. New Credit, such as our trade lines and Credit Mix are both 10% each and worth a maximum of 55 points each. You have 550 points to play with.

Reduce Credit Utilization

30% of your score comes from here., By adding a $10,000 tradeline to your credit profile this has potential to reduce your over all credit card utilization to less then 30% or maybe even 10%.

New Credit Account

New credit account to get to the goal of 21+ faster. Without the hard credit inquiry..

Payment History

35% of your score comes from Payment History. Don't have a perfect payment history? We can bury it by adding a seasoned tradeline (older card) so that you can add a large history of perfect payments to your history.

Credit Age

By adding an older credit card to your profile this can shoot up your credit age drastically fast forwarding you into a better future. Once terminated this will stay in your credit profile for 10 years.

Types Of Credit

10% of your score is mixed credit, Credit Card, Retail Card, Installment loan.

Bottom Line

These are the benefits. Get started now.

Buyers

Become an AU (Authorized User) Also known as piggy backing or purchasing a “Tradeline”. This will help fill in your credit report where its missing its critical data.

Card Holders

Become an AU (Authorized User) Also known as piggy backing or purchasing a “Tradeline”. This will help fill in your credit report where its missing its critical data.

$ 1 M
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What We Do

We change lives, either it be card holders with additional income or buyers to help build thicker/better credit profiles.

With our one of a kind in house designed AI you can add in your credit report and we will analyze it and tell you best card for your value.

Newest Arrivals

Discover Credit Card Image

Discover

11/4/2019 $4,000 Limit

$100 Reports near the 16th
$100

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Frequently Asked Questions.

After a tradeline is “terminated’ or “closed”, it will still have a large, positive effect on your credit history and scores. Most tradelines will stay on your reports for 10 years, or at the very least for many years. Black Tie Tradline can't guarantee the exact amount of time they will show on your credit reports.

It's a traditional credit card, it should. The issue is it doesn't always show up at the same time and not every company updates their records at the same time. So Citi reports to all 3, TransUnion might update their records the same day, Experian might take 1-2 months and Equifax might do it the following week. Then who ever you monitor your credit report might of snagged an updated report the day before they updated records. 

AU Stands for Authorized user.

It's someone that is “authorized” to be placed on a credit account. When you become an Authorized User on someone’s Credit Card account, you agree to adopt the future and past credit history of the account.

Address-tied tradelines; requires the buyer to update their address to match the card’s statement address in order for the tradeline to properly report. These credit cards only request the name and dob of the authorized user being added so updating the address is the key to get the lines to show. If the address is not updated, the tradeline may not report at all.

SSN-tied tradelines- The buyer provides their name,dob, and ssn when making a purchase. This information is requested from these credit companies when adding authorized users. The authorized user does not need to make any changes to their credit reports. The tradeline will post within the given time frame.

NO. CPNs are illegal. Anyone who offers CPNs are breaking the law. If you are using a CPN you are risking prison time. Why spend your money fixing a fake number. Focus on your real credit and we can connect you to a credit repair specialist.

IA primary tradeline is an account that is created by you, under your name. A good example of a primary tradeline would be an auto loan you are making payments on each month. The auto installment loan in “your” name is the primary line. Most primary tradeline sellers are not legit. Those that are legit are most likely buying debt that once belonged to someone else, charging a crazy upfront cost, and is now handing the gift to you so that you can continue to payments. If you need a list of solid primary lines that can be easily approved for, send us an email and we would be more than happy to provide it to you.

Most lines report for 60 active days, unless stated otherwise. Some bundles and certain tradelines will report for 30 days active. If you are happy with the line you are currently on, you can submit a request to extend at least 1 week before the next billing cycle.

While it is 100% legal, it can be deemed dishonest by creditors and lenders. One-third of Americans are already using other people’s credit to improve their scores. While they typically do so by becoming authorized users on friends’ and family members’ accounts, is that really different than using a third party’s credit history? Many would argue “no.”  Bottom line, it comes down to what “YOU” the buyer believes is moral. Before I started this company I would always wonder how the Porn Industry or Payday lenders thrive and remain legal. Young girls devaluing themselves in front of a camera for fame and fortune. Then you have these predatory payday companies that attracts people in bad situations by offering them a small loan with a ridiculous fee. Before you know it, you become caught in a cycle where you never have enough to pay off the loan.


Not a lot of people under stand or even know what “buying” authorized tradelines are so there will always be the opinions of those who are uncertain. The only reason we continue to overcome the challenges of running a high risk business like this, is because we’ve believe that it works with proven results. We’ve witnessed hundreds and thousands of GOOD people with bad credit turn their lives around. There are so many more pros than cons. The rewards outweigh the benefits bottom line.

Please check out this article on Forbes.com

You adopt the full credit history, even if it is 10+ years of history, so see if Grandma and Grandpa have a Credit Card they can add you to.
The Credit Card will NOT have past late payments. Our cardholders must maintain balances below 10%. We provide advice for those who are unsure of what they want. WE ARE INCOMPARABLE when it comes to our RATES and Quality of Service.

We are AFFORDABLE. There is nothing worst than being in the hole and having to spend thousands of dollars

Everybody’s credit profile is unique. Some people have a great score, but high utilization. Others have many negative items and inquiries. Then there are those that barely have anything,not even a score. To see a great difference in your scores will be depend on the History and the limits of the card. Obviously a 1993 Capital one 21K will have a stronger impact than a 2012 $500 limit capital one. Now if we add them to your credit profile and compare the reports with 50 other people. More than likely, people will have different boost in points. Due to many factors in one’s credit profile it is hard to determine an exact number, but if you would like to have a credit specialist take a look and educate you with what they believe would be the most beneficial, shoot us an email today!

Oldest Cards Available

Citi Sears Credit Card Image

1991 Citi Sears

$10,000 Credit Limit.
Statement closes 10th.
Typically reports on the 17th.

Citi Best Buy Credit Card Image

May 2005 Citi Best Buy

$15,000 Credit Limit.

Statement closes 20th
Typically reports on the 21st.

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