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Personal Tradeline Buyer’s Checklist
Use this checklist to prepare questions before you request a tradeline. No score, reporting outcome or funding approval is guaranteed.
Start with your reports
Check your personal reports for accurate balances, limits, account dates and errors. A tradeline does not remove negative information.
Compare alternatives
Compare the cost of adding an authorized-user account with paying balances down and building accounts in your own name.
Confirm the product
You are requesting an authorized-user placement, not borrowing the displayed limit or receiving spending access.
Confirm reporting
Ask which personal bureaus the card is expected to report to, when it should appear and what happens if it does not.
Check dates and duration
Confirm the order cutoff, first reporting window and how long you remain on the account. Review what may happen after removal.
Review the full cost and terms
Read the seller’s agreement, refund or replacement conditions and cancellation terms before paying.
Use secure onboarding
Submit identity documents only through the confirmed secure onboarding channel, never through a general inquiry form.
Choose your next step
Review available cards or check funding readiness with FMB. A calculator result does not establish that you need a purchase.
Personal authorized-user tradelines are sold and placed by Conway Connects LLC. Business tradelines are sold and placed by Fund My Brand LLC.