C.H.E.S.S Strategix
Tradelines for Credit (Done Ethically)
An authorized-user tradeline adds an existing, seasoned credit card to your file. You inherit its age, limit, and payment history. Used correctly, it's the fastest legitimate score boost available.
No credit card required. Founder-led service since 2018.
What you get
Pick by purpose
Mortgage in 60 days vs. auto in 30 days vs. business credit — the right tradeline depends on the goal.
Age + utilization math
A 10-year card at 5% utilization beats a 2-year card at 80% — every time.
Posting timing
Tradelines must post before your next score pull. We time placement to the next statement cycle.
What never to buy
Avoid 'CPN' bundles and synthetic-identity tradelines — those are federal felonies, not credit repair.
Clients who moved their score
"47 points in 60 days. Three collections gone in the first round."
"Got my mortgage approved at 5.9% instead of 7.4%. Saved more than I'll ever pay them."
"Removed a charge-off the bureau swore was verified twice. The 609 + furnisher combo is real."
Frequently asked
- Are tradelines legal?
- Authorized-user tradelines are 100% legal under the Equal Credit Opportunity Act. Synthetic identity tradelines (CPNs) are not.
- How fast do tradelines post?
- 30–45 days from purchase, timed to the next statement cycle of the primary cardholder.
- How many points will a tradeline add?
- 30–100 points depending on your starting profile and the tradeline's age, limit, and utilization.