Disclosures

ShopTradelines is an independent consumer education and research platform focused on authorized-user tradelines. The Site provides informational content, eligibility guidance, and a research-oriented credit profile assessment intended to help consumers understand how authorized-user tradelines are commonly discussed for different credit profile categories.

ShopTradelines does not extend credit, originate loans, broker financial products, repair credit, or provide individualized legal, tax, or financial advice.

All content on the Site — including articles, guides, comparisons, assessments, and tradeline characteristics — is published for general educational and informational purposes only. Nothing on the Site constitutes a recommendation, endorsement, or guarantee of any specific outcome.

Authorized-user tradelines do not guarantee any specific credit score change, loan approval, interest rate, line of credit, or other financial outcome. Individual results depend on the consumer's full credit profile, lender underwriting standards, bureau reporting behavior, and many factors outside the control of ShopTradelines or any third-party provider.

ShopTradelines is not a credit repair organization as defined by the Credit Repair Organizations Act (CROA) or applicable state law. We do not dispute items on consumer credit reports, contact credit bureaus on a consumer's behalf, or claim the ability to remove accurate negative information.

For a detailed explanation of how authorized-user tradelines differ from credit repair, see our CROA disclosure.

ShopTradelines operates as an educational referral platform. We do not sell tradelines or process tradeline placements directly. Where applicable, consumer requests may be referred to independent third-party providers that operate under their own terms, identity verification standards, refund policies, and timelines. ShopTradelines is not responsible for the acts or omissions of independent third-party providers.

Posting behavior varies by issuer, bureau, and reporting cycle. Estimated posting windows discussed on the Site are educational ranges, not guarantees. A tradeline may post to one, two, three, or none of the major bureaus, and may be removed by the issuer at any time without notice.

Use of the Site is intended for U.S. residents who are 18 years or older. Any request referred to a third-party provider is subject to that provider's identity verification requirements. Use of a CPN, credit privacy number, synthetic identity, or any fraudulent or invalid Social Security Number is strictly prohibited and may result in immediate cancellation without refund. See our Fraud Prevention Policy for details.

Consumers should review the full set of material risks before relying on authorized-user tradelines, including but not limited to: non-posting, partial posting, early removal, lender disregard of AU accounts in manual underwriting, identity-theft risk inherent to sharing personal data with any third party, and the possibility that score changes (if any) may not be meaningful for a given credit goal.

ShopTradelines is not affiliated with, endorsed by, or sponsored by Equifax, Experian, TransUnion, FICO, VantageScore, or any bank, lender, or credit card issuer. All trademarks are the property of their respective owners.

Questions about these disclosures may be directed to [email protected].