About Us
Industry Leading Tradelines and Award Winning Customer Service.
In a society where Credit is King, realtradelines.com gives ordinary people access to equal credit opportunities. For close to 50 years tradelines have been a secret of those with privilege and wealth. Because of this well kept secret, only 20% of Americans take advantage of tradelines.
Historically, only those with access have been able to use the strategy of credit piggy-backing. People who do not have family members with good to great credit to ask for help, so their options for building credit are often extremely limited. This is why we exist as a company.
Mike Harris
High-quality inventory of credible credit card companies.
Our History
Our company was built off of the Equal Creditor Opportunity Act (ECOA) of 1974. In the the mid 70’s ECOA was passed to prohibit discrimination in lending. This prevented women from building up a credit history and credit score rating in their own names, which prevented them from being able to obtain credit independent of their husbands.
Before ECOA was passed, creditors would often report accounts shared by married couples as being only in the husband’s name. In response to this unequal treatment, ECOA was passed. The federal law made it illegal for creditors to discriminate on the basis of sex, marital status, race, color, religion, national origin, age, or receipt of public assistance. This means that creditors may not consider this information when deciding whether or not to grant credit to an applicant or determining the terms of the credit.
Regulation B is a section of ECOA that specifically requires that creditors report spousal authorized user accounts to the credit bureaus and consider them when lenders evaluate a consumer’s credit history. Generally, creditors do not distinguish between authorized users, which effectively requires the credit bureaus to treat all AU accounts in the same way.
Realtradelines.com believes in sharing the American dream and trick of the trade for stellar credit history. Our mission is to be the conduit for prosperity.
1974
ECOA was passed to prohibit discrimination in lending and credit reporting practices.
1999
We established our network of good to great credit profiles and access for authorized users.
2021
Over 100 million dollars in tradelines extended to our clients for credit piggybacking.
What Our Clients Say
