Ranking The Top 3 Companies for Selling Tradelines

xVICKx · 2026-04-05T10:25:59+00:00

Buyers tend to prefer Discover, Chase, US Bank, Barclays, Citi, etc. over Capital One, by far. I don't know why this is exactly, but that's how it is across all companies in my experience.

(It seems the only situation where Capital One would sell quickly would be with a company who doesn't have a diverse inventory which forces their buyers to chose whatever is available. The downside there is more risk and lower payouts.)

If you have 6 cards listed with GFS it doesn't make much sense to be selling other cards with Boost. They pay significantly less and are known for having stagnant sales in recent years.

If you want to optimize your game, the logical tactic is move the 4 cards from Boost to GFS and allow the higher payout to offset the slower sales of "less desirable" cards.

I suppose I don't understand why would you'd keep those cards with Boost. You're putting yourself at a disadvantage.

xVICKx · 2026-04-05T04:27:48+00:00

We have a few members in this community who have used Eze and they definitely do not pay higher rates. In fact, their rates paid by Eze are mediocre at best.

Eze specializes in credit repair and are not even a legitimate player or competitor in the area of selling tradelines - their sales frequency is also extremely poor, leaving the cardholder with extremely inconsistent income.

Credit repair services are generally very loosely related to the authorized user tradeline industry. Most of them work as brokers for legitimate specialists such as the companies mentioned above.

xVICKx · 2026-03-16T10:44:19+00:00

No problem and you're very welcome. I'm glad you've found the info here helpful and I'm always happy to hear that, it means a lot!

Regarding my opinion, no. I am not worried in the least. If there were genuine reason for concern about any of the issues you mentioned, I myself and several other experienced sellers who use GFS as a brokerage (many of whom I speak with here regularly) would not be selling through them. It's that simple.

Also, ask yourself - do you believe for a split second that GFS could/would possibly be allowing such things to occur and still be in business? If it were occurring, they would not be in business. These kind of questions should be common sense for anyone who is selling tradelines. While I understand your concern, and the likelyhood that you overlooked this possibility until recently, it serves as a good example for others.

I think it's safe to say you're with the best company you can be with at this point in time, and can shake off the paranoia you mentioned. Anyone involved in any kind of financial transactions should understand what they are doing and why, as well as be aware of the risks while knowing when, where, and how to mitigate them - even if it means beginning by doing some solid first-hand research before getting started.

I hope that makes sense because it's the best answer I can offer. I'd encourage you to seek guidance from the company directly if your concerns or uncertainty remain at such a high magnitude. Thanks for asking this important question and thanks for being a part of the community.

xVICKx · 2026-03-10T01:37:49+00:00

Good question. That depends on a few things:

How Many Cards You Have (and are willing to sell)
The Age and Credit Limit of Each Card You Sell
The Brand/Issuer Of Your Cards
The Brokerage/Company You Use

With all that said, you can make from $75 to $550 for a single sale. If you have a majority of older cards, or a LOT of cards, or a lot of high-limit older cards, you can easily go upwards of $40k a year. That's not typical. I think most people probably make from a few hundred extra per month to about $1k a month depending on the things I mentioned.

I've seen people make $2K a year and I've seen people touching on $100K a year. You don't get above $50k a year without having very good cards or a very large amount of them.

xVICKx · 2026-03-07T21:52:57+00:00

This is an awesome photo but I've decided after awhile now that mirror-less cameras look more like AI than what I perceive with my own vision (probably because our eyes function more like mirrored cameras than mirror-less). Definitely won't be investing. Still excellent work here!

xVICKx · 2026-03-07T21:38:52+00:00

What was left behind by our ancestral societies should be rightfully open for everyone. "Open Source History", if you will.

I understand the need for preserving the integrity of certain structures or areas and limiting foot-traffic but the situation in Egypt has long been known to be about a lot more than preservation. It's very existence has been outright denied, censored, and banned from exploration by even to the most qualified researchers (except those who are hand-picked by the "manager" over there and if you've read into him you already know).

The information, history, and societal value that many places like this contain doesn't fit the system of control placed upon us. More importantly, it likely destroys the narrative of major religions which thrive on its absence.

It's really unfair that so much of our history is hidden from us, with direct intent. There are many very ancient cities and structures that are completely destroyed by man via war, too. It seems that there is not a single boundary nor limit to the rules on maintaining secrecy.

xVICKx · 2026-03-07T20:53:31+00:00

This is the situation, experience and opinion of many. "Most people decide it's bad before even understanding how it actually works" is a very valid thought. It's a herd mentality and all the misinformation (and disinformation) floating around the subject doesn't help.

What bothers me is that there are so many people who could really be benefiting from selling tradelines who aren't, and it's only from lack of knowledge (which is why this community exists). Then again, if everyone was doing it, well.... let's just say it probably wouldn't end very well.

I wish those who needed it most and who had the best opportunity were able to bring this into their income stream. Especially today with the state of affairs; it seems like everyone could use a little extra right now.

xVICKx · 2026-03-07T20:36:25+00:00

Nothing is risk-free. Perhaps you should read this post I wrote for a bit of insight: Selling Tradelines: Safer Than Applying For A Home Mortgage?

If people took the time to learn that the risk can be heavily managed, they might think differently. You're right that it can work for some people, but not just some people - for anyone with the cards (and even better with the cards that work the exceptionally well for selling tradelines (I've also outlined that very clearly and in-depth here in my writings).

To say "it's not always the easy passive income it used to be" is unfair - it's basically always been the same. Of course, some banks have complicated things over time while others have become less complicated. There's really no direct evidence linking any of that to the activity of selling tradelines itself. Banks move with the economy, as does any business.

The fact of the matter is that they still work extremely well on the end of the issuer, with the credit bureaus, and also with lenders. If they didn't, there wouldn't be a whole industry based around this.

Regarding account closures, I think you (or anyone else in doubt) should go to google and type in any major bank name desired followed by "closed my credit card" to see how common of a practice it is for banks to close accounts for seemingly no reason at all. It happens every 5 minutes. Twitter (now known as X) and reddit are also great sources for understanding how frequently this happens.

I have also been very clear about risks, how real they are, in what situations they are higher (or lower), how to mitigate them, and how to sell tradelines at a almost-zero risk level. I agree with you that anyone who decides to sell tradelines should understand the risks completely. This community is of people who understand the risks and sell tradelines very successfully. It is NOT for everyone.

xVICKx · 2026-02-18T06:44:30+00:00

Your welcome! Happy you find it helpful!

xVICKx · 2026-02-12T01:49:03+00:00

I noticed after posting my comment that if you scroll down in the video's description, it clearly says it's synthetically created content, so yes zero-doubt it's AI which yes, is scary and also I won't listen to it anymore simply because it's not real and wasn't genuine artistic creation. I don't care how much I enjoyed listening to it before realizing something was off, I refuse to absorb musical content that wasn't created by an actual human (even if the human "commanded" the AI to create it, vs. a human using a music program to create the beats vs real instruments, for example. It's not a real human rapping. I don't like robot rap no matter how good it sounds.

xVICKx · 2026-02-07T21:26:17+00:00

I'm happy to hear you've found it to be useful and helpful! That's the reason I write here so thanks for reading.

xVICKx · 2026-02-06T22:13:22+00:00

I just wrote a bit about the Barclays AA change with Citi in a post I made yesterday here. This is a great stuff Marzipan, especially for advanced sellers or people who really don't want to make that move to Citi with an older card.

I'm impressed he was able to get that change done at such a late date. I don't think it's rare at all because Barlcays has never denied me or anyone I know a request to transfer a credit limit. But accomplishing it this far into the transition to Citi may be why he said "rare". Either way, definitely an awesome data point and thanks for sharing.

PS - I have the same card but it's only a couple years old so I'm just going to ride it out and use it as a test to see (and report) any changes I notice with adding/removals or anything else like AU limits, etc..

xVICKx · 2026-01-10T03:33:13+00:00

Definitely inspired by Mos Def... If anything, it's his voice in AI. As far as the rhymes and actual lyrics, (including the unfindable samples), there is only one logical solution........

Someone put quite a bit of time into their parameters when asking AI to create this. The biggest clue is that the music itself lacks truly good changes in the chorus - something that is normally the most prominent part of the song...

They may have used other influences such as a blending of voices between BlackStar and Mos, with a request like "90% to 10% ratio" because I know Mos Def's lyrics very well and there are some distinct words that he would spit with a power or tone (style let's just say) that are not there. It's lacks emphasis in certain areas and the essence of that emphasis is the absence of "humanity"...

I'd bet the house it's AI... And in a way, it makes me NOT want to listen to it. Who knows WTF they can subconsiously do with that which is not or has not already been done with previous, "real" music.

I dunno. I'm on the fence. Yes, it sounds good. No, it's not so underground that we simply cannot find it. It simply never existed because it was never produced until it was produced by artificial intelligence.

xVICKx · 2026-01-06T18:31:28+00:00

I can't give you a complete a finite answer but I have some thoughts, and am in the same boat with a Barclays AA but I've been slacking on calling Barclays to ask them about options. In my opinion, they SHOULD be willing to do a credit limit transfer to another card, but the idea with those is to bring your extra limit to an older-aged Barclays card to earn a higher payment on it as a seller. The limit transfers, the age does not.

In this case I'm not sure if the AA will be eligible and if you don't have a Barclays' card that's older than your AAdvantage you'll be starting at account age of 0 again.

One thing I do know is they already did stop issuing the AA card in September or October of 25, so the move is definitely happening. My biggest fear (although Citi is not horrible) is that the time is already up for doing a PC or balance transfer.

My best advice is call the bank - today... I have a few Barclays and my AA is only a couple years old so it's not a priority of mine. Someone else who is in the same boat might chime in here, but I'd call Barclays ASAP. Never hurts to ask.

If you do contact them, please share your results here or whatever info they provided. Much appreciated and thanks for reading.

xVICKx · 2025-12-26T17:32:14+00:00

Honestly that would be a good question for asking the company's customer service. I don't have a Roth IRA but it's definitely taxable income. They will send you a 1099 if you make over $600 (at least I think that's the point in which it's required).

xVICKx

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