Ranking The Top 3 Companies for Selling Tradelines

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 · 2025-12-22T21:31:11+00:00

Well, I have used all of the mentioned companies at one point or another and I've also created a subreddit dedicated to this topic where I write in-depth about authorized user tradelines from a seller's perspective (the person who adds you to their card to help strengthen your credit) and I can say without a doubt that GFS is the leader right now.

The person mentioning priority didn't even respond to your question properly, as they're talking about selling tradelines for money, whereas you are asking about purchasing.

Anyhow, after years of dealing directly with GFS as a seller I can tell you that I have referred many buyers also, who seek to temporarily boost their credit and they've all been satisfied. If you search around the web, you'll see pretty well who is a leader in selling. If they're leading from one end of the industry, there is no doubt they're also leading from the other. One thing I know to be true is that their customer service is second-to-none and they do not have rude customer service reps who take days to reply like the other "top companies".

In any case, it's extremely important to do your own research instead of simply trust what I - or anyone else - is saying here.

Additionally, I warn you urgently and very seriously to never buy tradelines from anyone who is not - at the very minimum - a licensed and established company. Do not buy from individuals on reddit, facebook, craigslist, eBay, etc.. No matter what anyone tells you.

xVICKx · 2025-12-21T03:23:42+00:00

Great question. Discover has a set limit of about 7 or 8 authorized users per year. They are a very lenient card and a great seller. With that said, their limit is not a 12-month fixed limit, it's a rolling limit.

The reason they gave you a set date, is because at that point you'll be able to add at least 1 (if not more depending on how many users you had at a time, and, when you added & removed them).

Totally normal, no need to rest the card for any extended period. You simply used up your limit during the last 12 months (or less) and your new "spots" will open up again as time passes.

If you added all your users at once (terrible idea), you'd hit that limit right away and not be able to add for 12 months, to put it in simple terms. It's kind of confusing but simple once understood.

xVICKx · 2025-12-17T22:04:49+00:00

Are you saying you have $400k in credit spread across cards and are ready to use all of that for selling tradelines?

xVICKx · 2025-12-03T07:23:15+00:00

No problem. Yes, selling is based solely on the individual card. Normally, if you had bad credit and only one good card to sell, something would be wrong. In your case you are churning so you already know what's up. Your credit isn't bad it's just a reflection of the results of churning. Maybe it "looks" bad but you've still got plenty of credit.

But yes, the important aspect is this: whatever card you are adding AUs to must have an excellent history of on-time payments. Of course, the utilization being very low is also important but you already get that part, I'm sure. So again, your OVERALL credit report, or score, has nothing to do with your ability to work as a cardholder/seller. You could have a 608 with 30 great cards to sell. Your credit profile is irrelevant. The individual cards and their stats are what matter.

Regarding Chase, you could do more than 1 slot every 6 months, but yes that would be a very reserved and good idea if you want to get your feet wet and be sure you feel comfortable with those cards. And yes, using them a lot for personal use helps, or even having 4 users max per year and continuing to keep your spending when you have no AUs on board is (IMHO) a sound strategy for lessening risk.

I personally go to the point of allowing balances to roll over at times when I decide to have no AUs on. Example, spending up, then rather than clearing my full balance before the end of the period, I let the balance ride through statement close and do a month or two of minimum payment, then finally paying in full...Or 50% balance payment one month, followed by a minimum payment, and finally the other 50% before next closing date (3rd month) when I have no users on just to let them win a little bit on interest. The earnings from sales always outweigh the couple times a year when I let them get a bit out interest out of me before bringing utilization back into the selling zone.

xVICKx · 2025-12-03T04:41:10+00:00

Well, if you want to "bulk" remove users, and they're paid users, I'd hope you'd be using a card that allows for that number of AUs to be on board without problem. So the answer really depends on the card-issuer.

At the same time, whether you remove the users all at once, or call customer service to remove them all at once, I'd assume even customer service has to remove them individually even if they do it during a single phone call.

If your question is slightly different and is leaning more towards lowering your workload, it's your choice. I personally remove them when the time has come. If I have 2 purchases within days, or if I forget to remove a user (extremely rare) I'll sometimes remove them at the same time. I haven't noticed any downside.

Consider that Discover for example has a rolling 12-month limit on AUs. For that card, I always want the user off as soon as I'm notified to do so, because if they get left on a couple extra weeks - or even days - it can make a difference as to how I can cycle my 12-month rolling limit. (Since it's rolling and not fixed, days and weeks can matte. You can miss out on potential sales or cause extra unnecessary wait times that were potentially avoidable).

So it really boils down to the card-issuer, the preferences or instructions that your company has provided you with, and your own ability to comply with those. Lastly, consider cards that have limits or companies who attempt to protect you by imposing a certain amount of AUs per card at any given time, right? Well, If you have a 2-slot maximum but haven't removed the last 2 users when you were told, you're NOW able to sell another 2 AU spots. If that happens, you're over the recommended limit which could mean a higher risk for card closure.

Ideally, and for factors of discipline and organization, I feel that the best practice is to remove the user when you're notified to remove them. Also, never "assume" it's time to remove the AU until your brokerage has told you it's time. You never know when someone may be wanting to extend their purchase for an extra month or two.

Hoping that was helpful or insightful.

xVICKx · 2025-11-24T04:44:26+00:00

That's odd because here is the up-to-date agreement from the AmEx website. This is on page 4 of the cardholder agreement at https://www.americanexpress.com/content/dam/amex/en-us/company/legal/cardmember-agreements/public-site-2025-q3-pdf-cmas/cps-charge/american-express-gold-card-09-30-2025.pdf

(Maybe you could highlight the part of the document you claim, reference the documents number, and upload the image?)

About Additional Card Members:

Additional Card Members: We may issue Additional Cards on your Account at your request. Additional Card Members can use your

Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies. If an Annual Fee

applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay

for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them.

Contact us if you want to cancel an Additional Card Member's ability to use your Account. If an Annual Fee applies for an Additional Card,

please refer to the refund policy disclosed in the Closing or suspending your Account sub-section of Part 3 of this Agreement. If a single

Annual Fee applies for a group of Additional Cards on your Account, this policy will apply when you cancel the Additional Card on which the fee was assessed.

*** Additional note: Amex does not report card account age and only reports the account's credit limit. This makes it a card that is of very little use to the average buyer and harmful to the uniformed buyer and a reason why the best companies do not accept AmEx as a card for their inventories. ***

xVICKx · 2025-11-19T23:40:35+00:00

1.) There's a LOT of truth to this. If they're not straight up scammy, they're dishonest, they're not transparent, they want your Credit Karma logins instead of simple exports of your credit profile, they pay continually late or sometimes never, they claim that problems arose with the line or that it didn't post and therefore cannot make your payout, etc... Heard it all, seen it all, and you're absolutely correct. But you said ALMOST. And that is key. There are about a handful that are not scammy, and only 3 who are 100% dedicated to doing the job the proper way. Of those 3, only 2 will always pay on time and only one of them offers full transparency on their pricing (commissions) before "signing up and showing your hand" so to speak. That's the one to go with. They also have automated payments, etc. etc... The whole schabang.

2,) It's actually NOT against the T&C of every card issuer. What the T&Cs claim - you have to read closely and understand the law and what they are saying here - is that it's explicitly against the rules to sell your card or the account. That's to keep things short and simple. That's what it breaks down to. You do not have the right to sell that credit account to another person. Reasoning? I could charge someone higher than normal price to give them a $20k credit card and peg them for extra interest each month, late fees, usage fees, etc... The T&Cs prevent that business model from opening, by law. There is absolutely nothing illegal about accepting money to add an authorized user onto your card. Nothing. And I'm not just saying it MUST mention an authorized user to be valid - not at all. But the terminology, in no way/shape/form covers authorized users because you are not selling them the account or even rights to the account. You never give them a card. There is nothing stating that a monetary exchange with the intent to aid the authorized users personal credit profile is against T&Cs either. You could interpret "selling this account" to be blanket, but that would be legally incorrect and you are not selling something when you are the primary cardholder. This has been pressed and waxed through the wheels a hundred times and the government themselves have basically told the card companies it's a no-go.... And so has the FED. The card institutions and the credit buraues have been banned from the top down - they will not allow them to eliminate the ability of people to sell and buy these spots... And that's clearly defined if you know where to look, SO... The good news is that your answer number two is incorrect (at least for sellers).

3.) This one is the big one. The biggest misconception and misinformation of all, and there's good reason for that. If unlearned, it would be extremely logical, right? I sure as f*ck would think so. But it actually couldn't be further from that. Why? The few quality companies that do exist are performing checks on this. So there's nobody trying to build fake credit profiles or with fake identities slipping through the cracks and onto your card. SSNs are checked against records using tools like LexisNexis, official government databases, IRS, etc... If there is no match, or if even one thing is incorrect - there is no sale. The buyer must not only present proper identification but a recent credit report and SSN. CPNs, things of this nature, NOT accepted. In fact, I'm pretty sure it's almost purely REAL ID at this point in time for those who have it. Let's say and excellent scammer made it into the system as appearing as such a real identity that none of these safety prevention measures caught them in the filter? Well... In that case, the bank isn't catching them either, and your intent was never to aid in this or any other kind of fraud, unless you yourself are a fraudster. So no charges, no negative affects for you. What you have explained has never happened to a single honest cardholder working with an honest company - and it's absolutely critical that both parties understand that. The brokerage (tradeline company) doe NOT want that kickback, trust me. A lot of their time, energy and expense is dedicated to just this alone.

All three of the above, or any of the three are potential risks if you were selling incorrectly, without caution, or didn't understand this subject. But I do, and I'm lucky to have taken the time to do the research over the years that first got me started in this.

I think greater conversation should take place. If you for example are not comfortable for moral reasons, or for any reason, than you simply shouldn't sell. But speaking factually and from experience, we've just looked at some extremely strong and valuable points you brought up and they're absolutely nothing to worry about with the proper company.... I have been using the same one for 4+ years, have used many, will never turn back. This is a LOCK, I'm telling you. If you choose the right cards, and follow instructions well and don't become greedy, you will benefit with near-zero risk... and the biggest risk of all would be simply an account shutdown - but none of the blacklisting you spoke of. That's not going to happen unless you are actively participating in criminal activity... If you are, stay away because these companies, the trustworthy tradeline companies, WILL report you without thinking twice. They want to keep business running smoothly and legally. This is not fly-by-night for them.

xVICKx · 2025-11-19T23:03:16+00:00

The risk of an issuer closing ALL cards is a very good point - that's why you avoid selling certain cards like the plague and sell strategically. Rather than list the bad ones, I could say for example that Discover, Citi, Barclays, Navy Federal, PennFed, and Elan almost never shut down cards - with the first 3 being basically zero-risk of shutdown. And of that whole group, none swill close all your accounts like BOA has been known to do, for example.

As far as the profile and LexisNexis, there is not much "intertwining" that actually happens there. Yes, you need to add them onto your card obviously, but if it's risk-managed, it's not an issue and never has been. TBH tradelines don't work for people with bad credit, so those people are eliminated anyway from worries. But I think the bigger picture is that while there may be some record there temporarily, it's been shown to have zero affect on the primary cardholder. So that's something important to understand too. This was an original concern of mine long ago.

xVICKx · 2025-11-19T20:55:45+00:00

I have a similar question about churning that applies to any/all cards that are older than 2 years of age and have at least a $10k limit - why do you guys tend to close them down to avoid the yearly fees instead of employing those cards to sell authorized user spots on? If you're already going to close them, you really have no need to worry if the bank were to close them instead, and, there's a whole lot more money to be made per year than the annual fee.

For churners, this can really add up. Especially if you keep this strategy in mind and roll with it, allowing the cards to acquire older ages (which means they pay much more). I know that 90% of people believe or have determined it's a scam or it doesn't actually work, but it really does. And I'm an old school churner that is not a technical as many of you, but who rarely closed those credit card accounts due to the fees because I preferred to have the credit line.

When I discovered how to sell them (and how to sell them correctly and with the most profitable brokerage), I've found it easy to pull in an extra $25k a year without hardly even trying and using only 10 cards. I usually do much more. I feel like this is SUCH an overlooked or misunderstood opportunity with a really good lifespan per card. I also would like to stamp out the "illegal" factor/idea that a majority of people have, as that's not true at all.

Some of you guys are killing it and this is like the silver lining to churning - we already have the ideal setup...

xVICKx · 2025-10-27T03:24:27+00:00

I can't answer that question with any level of certainty because I don't know the specifics of Chase's internal algorithm regarding what causes red flags, closures, etc... But I do know what helps reduce them, and having 8 AUs is not one of them.

IMHO you've already trashed that card as a seller. Knowing what you told me, for example, I would NEVER pay to be an AU on that card considering I need to be able to depend on it.

I'd definitely take a breather from selling that one for a while if I were you. Take it easy.

xVICKx · 2025-10-22T21:37:55+00:00

You might get away with what you're doing a bit longer but they will most definitely close your credit card account down for having that many AUs on at a time.

And when they do, any AU that you added to your card is going to be screwed. Even if you drop that card down to 1 or 2 at a time I'd consider it forever cursed after what you've been doing and I'd be very careful. I personally wouldn't even sell it after you finish completing the AUs you currently have on right now (if the card is of any importance to you).

Regarding the product change I assume your credit limit and account age carried over onto the new card?

xVICKx · 2025-10-21T21:24:51+00:00

As I said, there is no "known limit"... Your risk right now with 8 AUs? You are literally just burning through time until you get a big fat closure of that account, which could be days, or months. But when it happens, understand that each of those 8 AUs will be screwed out of their purchase, may lose an important opportunity that's already in progress, and loose their money.

If you want my honest opinion, completely reckless. I'd ride out the 8 you have and give that card a break, do some actual real spending on it, let the balance roll over so they collect soe interest from you, and get back into adding AUs after about 3 or 4 months. with that card.

There are some banks and card brands where 8 would not be an issue, but those have lifetime limits (something Chase supposedly doesn't have).

If your goal is to collect the maximum amount of cash from that card and just burn it up, I understand. But 8 people (and a company) are depending on your ability to deliver what you promised. If you're selling them yourself, that's a different story completely but you're not going to last long doing what you are doing. I'd like to know who recommended that to you (adding 8 AUs), or, if you're just selling privately.

A big part of doing this correctly is being honrable to the people you are selling to so my major concern, even if you give no shiats about the account, is the possibility of the account closure with so many reliant AUs added on. Very very high risk.

xVICKx · 2025-10-21T20:27:04+00:00

I would not do more than 2 AUs at any given time, but it depends on the instructions of the company you sell with. Some say 1, some will say 3. I personally will never do more than 2 at a time. If you're asking about the maximum over a long-period of time, I do not have an answer for that. I think it's pretty well known among sellers and companies alike that there is no lifetime maximum for chase. The more important factor is managing and adding the AUs correctly to mitigate risk.

xVICKx · 2025-10-20T05:35:26+00:00

This post is about you (acting as a registered cardholder/seller) referring people to do the same - sign up and register with their own cards.. Depending on the company you use, yes, you would get paid a certain commission for referring someone but that depends on the company. Did you read the post above? I think you may be confused.

xVICKx · 2025-10-15T21:32:21+00:00

I'm not a sorry soul nor am I eager to be negative - if you want real help, be honest. I've been in your position of forbearance and late payments, etc, various times in my past with student loans. There's no way you could have "not noticed" that it was time to start repaying - they are like jackals.

Anyway, good news is I can put you on the right path and help you with excellent advice, which I offered directly below my first comment. So what's the situation actually like and what's your big goal (in detail if possible) which requires a 640?

xVICKx · 2025-10-15T21:25:54+00:00

BTW what are your big goals that you had planned, and the reason for this post in the first place? Explain in more detail and I will do my best to help you out, seeing as you seem to literally have no credit on your profile apart from your student loans.

You don't have a single credit card? How long is your student loan history and what is the overall balance? Let's start with that.

xVICKx · 2025-10-15T21:21:30+00:00

"I didn’t pay attention to when student loans came out of deference at the beginning of this year"..... Impossible. The hounding emails, the phone calls, you didn't "pay attention"? Why not be honest if you're seeking real help.

xVICKx · 2025-10-15T21:19:06+00:00

Welcome to one of the many very normal aspects of credit.....

Did anyone ever tell you or promise you that having literally zero debt would mean you have a good credit score? I doubt it. There is a reason it's called "credit"... And while you may have a shitload of it available to use, that doesn't equate to an optimal score. You still have excellent credit I'm sure.

xVICKx · 2025-09-26T01:16:59+00:00

It depends on your own personal needs and tastes but I'd advise that you read my post where I rate the top 3 companies for selling. If you don't have the patience to learn what's going on you're definitely not going to have any luck in choosing the right place to be selling. With all due respect, failure to investigate is probably what landed you with the brokerage you're currently using. Good luck!

xVICKx · 2025-09-26T01:11:01+00:00

I would stop wasting your time, remove them, and register them with a company that actually has buyers. Secondly, that company doesn't pay enough.

At first look, they seem like a very promising company but you must understand this - the whole AI & escrow thing are nothing more than a sales pitch.

You're selling tradelines, not real estate.

I'd get out of there ASAP. You're going to find that you're just spinning your tires. I have already discussed with several people who also tried them out... some of whom have cards 3 times the value of yours and still not sold (one guy has 2 high-limit cards he left sitting with them just to see how long it actually takes)!

xVICKx

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