Boost Your Credit Score & Buy Your Home
Don't let a low score stand between you and your dream home. Our authorized user tradelines add years of perfect payment history to your report — helping you hit the score you need for FHA, conventional, or VA approval.
What Score Do You Need for a Mortgage?
Every loan type has different minimum requirements. See where you stand and how tradelines can get you there.
| Loan Type | Min. Score | Approx. Rate | Status |
|---|---|---|---|
| FHA Loan (3.5% down) | 580 | ~6.8% | Achievable |
| FHA Loan (10% down) | 500 | ~7.2% | Boost Needed |
| Conventional Loan | 620 | ~6.5% | Achievable |
| Conventional (Best Rates) | 740+ | ~6.1% | Best Rates |
| VA Loan | 620* | ~6.3% | Achievable |
| USDA Loan | 640 | ~6.4% | Achievable |
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How Tradelines Prepare You for Mortgage Approval
A tradeline is the fastest, most cost-effective way to improve your mortgage eligibility
Raise Your Score
Adding an aged, high-limit account with perfect payment history can boost your score 40–120+ points — often enough to cross the approval threshold.
Lower Your Utilization
High-limit tradelines reduce your overall credit utilization ratio, one of the biggest factors in your credit score calculation.
Add Account Age
Lenders love long credit histories. Our tradelines add 4–12+ years of account age to your report, making you look like a seasoned borrower.
Save on Your Rate
A 40-point score improvement can lower your mortgage rate by 0.5–1%, saving you $50,000–$100,000+ over the life of a 30-year loan.
The Numbers Make Sense
A small investment in tradelines can save you tens of thousands on your mortgage
Mortgage Tradeline Packages
Curated specifically for clients targeting mortgage approval. All packages include no hard pull and reporting to all 3 bureaus.
Prime Tradeline
Scores 580–620 targeting FHA approval
- Authorized user added
- Reports to all 3 bureaus
- Priority reporting cycle
- No hard pull
- Aged account history
- Dedicated account manager
Elite Tradeline
Scores 600–650 targeting conventional loan
- Authorized user added
- Reports to all 3 bureaus
- Priority reporting cycle
- No hard pull
- Premium aged account
- Ultra-high limit
- Dedicated account manager
- Score guarantee consultation
Platinum Package
Scores 620+ targeting best mortgage rates
- Authorized user added
- Reports to all 3 bureaus
- Rush priority reporting
- No hard pull
- Premium aged account
- Highest available limits
- VIP account manager
- Score guarantee consultation
- 2 reporting cycles included
Real Clients Who Got Their Mortgage
These clients used tradelines to cross the approval threshold
"Combined the Elite tradeline with credit repair and jumped from 590 to 702. Finally qualified for my mortgage pre-approval after being denied twice!"
"Was at 631 and needed 680 for the conventional loan rate I wanted. Added the Platinum package and hit 720 in 3 weeks. Saved thousands on my rate."
"My lender said I needed at least 580 for FHA. I was at 521. Used the Prime tradeline and got to 595 in 12 days. Closed on my first home last month!"
Combine Tradelines + Credit Repair
Tradelines add positive history. Credit repair removes collections, late payments, and charge-offs. Together, they're the fastest path to mortgage-ready credit — and we offer bundle discounts.
Mortgage Bundle Includes
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Tradelines for Mortgage — FAQ
Common questions from homebuyers using tradelines
Start Your Path to Mortgage Approval Today
Choose a package above or call us for a personalized recommendation for your mortgage goal.
No hard pull · No credit check required · 100% confidential · FCRA compliant
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