Seasoned credit lines,opened to you as an authorized user.
Take a seat on an established account and have its age, limit and payment history report alongside your own. You get a card, a live dashboard of what the account is doing, and a record of every cycle it reports — the same record we see.
Card numbers are held in an encrypted vault and released deliberately, never listed.
Issuer
Chase
•••• •••• •••• 4417
Primary · Your name here
Issuer
American Express
•••• •••••• 1008
Primary · Your name here
Oldest line: 17 years with Bank of America
Age is the one factor you cannot build quickly on your own.
- Tradelines listed
- 27
- Issuing banks
- 12
- Aggregate credit line
- $626,500
- Oldest account
- 17 years
Seats on real accounts at banks you know
How it works
Four steps, and you can see where you are in all of them.
Nothing happens quietly. Each stage is a decision somebody makes and a date somebody records, and both sides read it from the same place.
01
Pick an account
Browse the catalogue by issuer, credit limit, age and utilisation. Every figure shown is the account's real one, updated each statement — not a range or an estimate.
02
Request a seat
Choose how many statement cycles you want to be reported for. An administrator reviews the request against the seats that account actually has left.
03
Go live on the account
The primary holder files you with the issuer as an authorized user. Your dashboard opens the moment the seat is live, with the limit, balance, utilisation and the day it posts.
04
Watch each cycle report
Every statement cycle is recorded as it happens. You see what was reported and when — the same history the administrator sees, from the same rows.
What you get
A seat on the account, and everything that comes with it.
A real card, not just a line item
Card details are sealed in an encrypted vault and released deliberately. A physical card can be posted with carrier tracking, and the delivery is only marked received when you say it arrived.
Move funds to your own bank
Link your account, request a draw against the cleared headroom on your seat, and follow it from fee to settlement. Nothing posts to the tradeline until an administrator approves it.
Buy a car against your line
Vehicles priced against what your seat can cover — or financed with a car loan that carries a tradeline seat with it. Listings imported from the retailer or decoded from the VIN against the NHTSA database. 18 in the catalogue now.
Spending limits that reset themselves
Each seat carries its own allowance, drawn from the tradeline's headroom. When it is spent out, it opens a fresh cycle automatically — capped by what the account can actually support.
Benefits that come with the account
Rental cover, travel protection, purchase protection, lounge access, financing — recorded per tradeline so you can see what a seat carries before you request it.
Everything is on the record
Approvals, releases, reveals, transfers, deliveries — each written to an audit log with who did it and when. You and the administrator read the same history.
Benefits
What these accounts carry.
Premium cards come with cover most people never claim because they never knew it was there. Each tradeline lists its own, so you can see what a seat carries before you request it.
For business owners
Credit in the company’s name, not yours.
Business credit is its own file at its own bureaus — Dun & Bradstreet, Experian Business, Equifax Business. Built properly it borrows without a personal guarantee, which is the difference between a bad quarter and a bad decade. It is built in a fixed order, and skipping a step is why most applications are declined.
- 1
Net-30 vendors
Suppliers who invoice you and report the payment. The starting point, because they approve on the business alone.
Typically $500 – $5,000
- 2
Store credit
Retail accounts usable only at that retailer. They want to see a few tier-1 accounts already reporting.
Typically $1,000 – $10,000
- 3
Fleet & fuel
Fuel and vehicle accounts. A step up in limit and the first that usually pulls a business score.
Typically $5,000 – $25,000
- 4
Bank & cash credit
Business credit cards and lines of credit that spend anywhere. The point of the exercise.
Typically $10,000 – $100,000+
Business funding
Lines of credit, term loans, SBA, equipment and invoice finance — with the rate, the term and whether it needs a personal guarantee shown next to the amount, not underneath it.
Know before you apply
Every product lists what the lender actually asks for. We tell you what you are short of before you apply, rather than after a decline lands on your file.
A readiness checklist
EIN, entity, business address, listed phone, bank account, D-U-N-S, website. Eight foundations that decide whether anything opens at all, tracked as you complete them.
146 seats across 27 accounts.
Creating an account is free and commits you to nothing. Browse what is listed, see the real limits and ages, and request a seat when one suits you.