Tradeline Disclosure

Educational tool. Tradeline opportunities offered within our programs are credit-building educational resources. They are subject to eligibility, availability, third-party issuer decisions, and applicable law.

No guarantee of reporting. We do not guarantee that any specific tradeline will be added to any credit file, that it will report to any specific credit bureau, that it will remain reporting for any specific length of time, or that it will produce any specific credit score change.

Piggybacking & authorized-user considerations. Some tradeline arrangements involve authorized-user positions. Consumers should independently evaluate the legality and suitability of any authorized-user arrangement in their jurisdiction and be aware that credit-scoring models may treat authorized-user tradelines differently than primary tradelines.

Fair-use. Tradelines are intended to demonstrate responsible credit-building activity. They are not a substitute for on-time payments, healthy utilization, and long-term financial discipline.

No affiliation. Tradeline references do not imply affiliation with any specific creditor, credit bureau, or scoring model unless expressly stated in writing.