What are wholesale tradelines?

Updated on June 24, 2019 in Tradelines
5 on June 20, 2019

Are they any different from authorized user tradelines/seasoned tradelines? I want to find tradelines at the lowest price possible, but do these even exist? 

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2 on June 20, 2019

Wholesale trade lines are usually just a marketing gimmick to make you think you are a getting a steep discount on trade lines.

Nobody wants to pay an above market price for anything. But I would caution you. Trying to find the lowest possible price often leads us to a company or a “trade line guy” who is not reliable, trustworthy, or not an expert in understanding credit (hence why their prices are so low).

You get what you pay for. 

I recommend (for a second) take your eyes off of prices and focus more on what matters: What does it take to impact your credit?

Think about it. If you find a cheap trade line that does not impact your credit, what was the point of paying for that trade line? 

Work with an expert who can help you with your goals. Then look at prices of what it takes to achieve your goals.

Raj Sahoo


on June 20, 2019

Thanks for the quick response! I guess that makes sense – but why are some companies substantially more expensive than other companies? Are the services that they offer really that different? 

on June 20, 2019


Adding AUs is not as easy as it looks. And the companies who do not believe what I just stated usually start excited and then go out of business within a few years.

Reputable trade line companies know which banks to work with, how to protect their cards from closing down from CPNs or secondary numbers, and how to work with reliable vendors so the probability of an issue coming up becomes very low.

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0 on June 20, 2019

Wholesale tradelines can often just mean “cheap authorized user tradelines”. It’s a term used by some companies to get attention from people looking for deals. 

As you’re shopping, I would encourage you to prioritize tradelines in the following order:

1.) Make sure the specific tradelines will help you accomplish what you want to accomplish.

You’re looking for tradelines for a reason, I’m assuming. You probably have a goal in mind such as a mortgage, auto loan, personal/business loan, or higher limit credit cards. Make sure the lines you’re looking at will give you what you need. If you have very young credit along with nothing on your credit report and you’re wanting to get some higher limit credit cards, you probably don’t need $80,000 tradelines. A good company will help you find the right lines. 

2.) Make sure the tradelines are quality lines with low utilization and no late payments and that the company gives you a written contract that protects you in case there are issues. 

Getting a great deal on a tradeline that hurts your credit or doesn’t show up on your reports at all, isn’t a good deal. Make sure the tradelines will work and that the company you’re working with knows what they’re doing. If a company is charging $300 for tradelines, that’s a red flag, the same way that a car dealership charging you $3,000 for a “new” Mercedes is a red flag. Ask the right questions as you’re shopping and use your instincts. Check out this video for the best questions to ask: https://youtu.be/lFlWHqSC45s 

3.) Price

Now that you know the tradelines you’re looking at will actually work and you’re working with a company who knows what they’re doing and will put their money where their mouth is with contracts and refund policies, start focusing on price. If you priority price over quality or effectiveness, you have a good chance of wasting money with companies advertising things like “wholesale” tradelines. 

Best of luck!

Cory Miller (321-799-6159)

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0 on June 24, 2019

All tradelines are wholesale. So, adding the term “wholesale” to “tradelines” is redundant and, as Raj pointed out, gimmicky. 

Tradelines are owned by the primary account holder or the “supplier.”

A tradeline company resells the tradelines to consumers.

That is the definition of a wholesale transaction. 

Don’t worry about terms; worry about your goals and achieving them. When you go to get a mortgage, do you ask the floor over-under on LIBOR or whether it’s prime tied or if LTV is affected by DTI ratios, etc. No, you say “I want to buy X… can I have money for it?”

Sae thing applies to tradelines or other credit-related services. 

State your goal and ask an expert about how you can potentially achieve it. 

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