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How Tradelines Work



How Tradelines Work



A Recognized Approach for Credit Building

Acquiring tradelines helps build your credit worthiness...fast.



A Recognized Approach for Credit Building


Acquiring tradelines helps build your credit worthiness...fast.


Why a Tradeline Can Help You or Your Business


Many individuals are grappling with poor credit scores stemming from imprudent financial decisions or excessively high credit limits. Regrettably, this predicament often results in exorbitant mortgage interest rates for them. To secure more favorable interest rates, these individuals must embark on a journey to enhance their creditworthiness. The conventional methods for improving credit scores typically entail protracted periods of patience and financial discipline spanning several years.

Alternatively, a more expeditious remedy involves becoming an authorized user on a credit card with a commendable credit history. This streamlined process can be completed within a mere two weeks. When an individual is added as an authorized user to a credit card boasting a well-established credit history, their own credit score receives a notable boost. For instance, a credit card that has been in operation for over five years, possesses a $10,000 credit limit, and boasts an impeccable payment history can yield a substantial positive impact on the credit score of the authorized user. One can only imagine the credit-boosting potential of a card that has been active for a decade or even two, with a credit limit ranging from $40,000 to $70,000.

Individuals seeking to rapidly enhance their credit scores are actively seeking individuals with excellent credit profiles who are amenable to allowing them to become authorized users on their credit cards, essentially "renting" their authorized user slots. In this context, 10x Business Solutions Tradelines serves as a trusted intermediary facilitating the buying and selling of authorized user slots, providing a secure platform for these transactions.


Credit Score Factors



A pie graph indicating how debt is weighed.

Payment History: 35%
Your payment history carries the most weight in factors that affect your credit score, because it reveals whether you have a history of repaying funds that are loaned to you. This component of your score considers the following factors.

Amounts Owed: 30%
The FICO Score 8 takes into account your credit utilization ratio, which measures how much debt you have compared to your available credit limits. This second-most important component looks at the following factors:

Length of Credit History: 15%
Creditors like to see how long you have been using credit. For how many years have you had obligations? How old is your oldest account? What is the average age of all your accounts?

New Credit: 10%
Your FICO Score 8 considers how many new accounts you have. It factors in accounts you have applied for recently and considers the last time you opened a new account.

Types of Credit in Use: 10%
The final thing that the FICO formula considers in determining your credit score is whether you have a mix of different types of credit, such as credit cards, store accounts, installment loans, and mortgages. It also looks at how many total accounts you have.


The Bottom Line
Your credit score is important in getting approved for loans and getting the best interest rates. Different scores take different factors into account, but the most commonly used score, the FICO Score 8, places heavier weight on credit utilization and payment history. It also takes into account the length of your credit history, whether you’ve recently opened new credit, and your credit mix.

At 10x Business Solutions we will help you achieve your goals and make it happen in a timely fashion. Should those credit lines NOT be reported on at least two of the three major credit bureaus, You will receive 100% refund of any money paid to 10x Business Solutions.

Authorized user Accounts can be a great way to increase your credit score because they can add years of history, positive payment history, and also adjust debt to credit ratio.


Simply Stated, Here's How Tradelines Work



10x Adds You


10x Business Solutions adds you as an authorized user on their credit card.


Added to Credit Report


The information associated with that credit card appears on your credit



Allow for Time


Time and payment make up 50% of your credit score.



Change Happens


Your credit score changes.*


*Note, we didn’t say your credit scores go up; we said they change. Why?
If you add an authorized user credit account that has poor payment history, a high balance, etc., the negative information could lower your credit score. The goal is to be added to a credit card (i.e., a “tradeline”) that’s in good standing. The positive information on the tradeline could help increase your credit score.


Our Guarantees



10x Business Solutions Guarantees ALL of the following:


  • If you buy any tradeline by the purchase deadline, we guarantee that it will post on your credit report during the next reporting period for that tradeline.
  • For each tradeline purchased, we guarantee that you will remain on the card as an authorized user for 2 monthly reporting cycles.
  • We guarantee that the tradelines will post to any 2 out of the 3 credit bureaus.
  • We guarantee that all tradelines will have a perfect payment history with no late payments ever reported on the accounts.

We guarantee that the utilization ratio will always be 20% or lower.



Know the Facts About Credit Boosting


  • Authorized Users do not receive the physical credit card or have the ability to use the credit line, but they do get the increased score and perfect payment history.
  • Authorized Users cannot use the credit card or make any changes to the credit account, and they do not have the responsibility to repay any balances that are owed.

Credit card companies created the ability to add authorized users so that primary cardholders have the ability to add their employees, family members, dependents, and friends to their accounts. The result is an amazing coincidence that results in the account history for that credit card appearing on the authorized user’s credit report. This “amazing coincidence” gives the authorized user a credit score boost, and allows them to attain financing for loans at favorable interest rates.


*Note, we didn’t say your credit scores go up; we said they change. Why?
If you add an authorized user credit account that has poor payment history, a high balance, etc., the negative information could lower your credit score. The goal is to be added to a credit card (i.e., a “tradeline”) that’s in good standing. The positive information on the tradeline could help increase your credit score.


Our Guarantees



10x Business Solutions Guarantees ALL of the following:


  • If you buy any tradeline by the purchase deadline, we guarantee that it will post on your credit report during the next reporting period for that tradeline.
  • For each tradeline purchased, we guarantee that you will remain on the card as an authorized user for 2 monthly reporting cycles.
  • We guarantee that the tradelines will post to any 2 out of the 3 credit bureaus.
  • We guarantee that all tradelines will have a perfect payment history with no late payments ever reported on the accounts.

We guarantee that the utilization ratio will always be 20% or lower.



Know the Facts About Credit Boosting


  • Authorized Users do not receive the physical credit card or have the ability to use the credit line, but they do get the increased score and perfect payment history.
  • Authorized Users cannot use the credit card or make any changes to the credit account, and they do not have the responsibility to repay any balances that are owed.

Credit card companies created the ability to add authorized users so that primary cardholders have the ability to add their employees, family members, dependents, and friends to their accounts. The result is an amazing coincidence that results in the account history for that credit card appearing on the authorized user’s credit report. This “amazing coincidence” gives the authorized user a credit score boost, and allows them to attain financing for loans at favorable interest rates.


The Credit Score You Need is Just a Phone Call Away



• You're added as an Authorized User to one of our credit cards.
• Once added your credit score gets the benefits in less than 30 days.



• Increase limit to balance (utilization) ratio
• Increased overall average age of revolving accounts
• Perfect payment history


Piggybacking: The Fastest Way to Build Credit


The answer to how to build credit fast is Piggybacking. This term refers to the practice of building credit by becoming associated with someone elseโ€™s credit accounts.

This might sound surprising, but studies have shown it is a very common practice. Aย study of over 1 million consumersย by the Consumer Financial Protection Bureau showed that nearly a quarter of consumers transitioned out of credit invisibility by piggybacking on the creditworthiness of others.

Additionally, a study by the Federal Reserve Board found that about 30% of consumers with a scorable credit record have at least one authorized user account on their credit record.

There are three main ways that piggybacking occurs: getting credit with a co-signer, becoming a joint credit account holder, or becoming an authorized user.

10x is ready to help you reach your business goals!


Contact us now with your questions or needs.


Contact 10x

10x is ready to help you reach your business goals!


Contact us now with your questions or needs.


Contact 10x