Primary Tradelines

Recommended primary tradelines to build long-term credit strength.

These are the recommended primary tradelines to add to your credit report. Primary tradelines can help create deeper personal credit credibility, establish stronger reporting history, and improve the overall way the file appears to lenders over time.

Remember: you should already have at least one $5,000 tradeline reporting to the credit bureaus before pursuing most primary tradeline strategies.
Kick Off
Recommended

Kick Off

Reports To: Equifax
Initial Credit Limit: N/A
Type: Installment Account
Monthly Fee: None
Reports As: Primary Installment Account
Time to Report: 14–30 days
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Boom Pay
Recommended

Boom Pay

Reports To: Experian, Equifax, TransUnion
Initial Credit Limit: N/A
Type: Rental Payment Account
Monthly Fee: $2–$10
Reports As: Primary Rental Tradeline
Time to Report: 10–14 days
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Self
Recommended

Self

Reports To: Experian, Equifax, TransUnion
Initial Credit Limit: N/A
Type: Installment Loan
Monthly Fee: $25+
Reports As: Primary Installment Loan
Time to Report: 30–60 days
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Kovo
Recommended

Kovo

Reports To: Experian and Equifax
Initial Credit Limit: N/A
Type: Installment Account
Monthly Fee: $10/mo
Reports As: Primary Installment Account
Time to Report: Within 30 days
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Ava Card
Recommended

Ava Card

Reports To: Equifax
Initial Credit Limit: Varies
Type: Virtual Revolving Line
Monthly Fee: May apply
Reports As: Primary Revolving Account
Time to Report: 30–45 days
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Credit Rent Boost
Recommended

Credit Rent Boost

Reports To: Experian, Equifax, TransUnion
Initial Credit Limit: N/A (Rental Payment Reporting)
Type: Rental Tradeline
Monthly Fee: From $6.95/mo
Reports As: Primary Rental Account
Time to Report: Within 10 business days
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Credit Strong
Recommended

Credit Strong

Reports To: Experian, Equifax, TransUnion
Initial Credit Limit: N/A
Type: Credit Builder Loan
Monthly Fee: $15+
Reports As: Primary Installment Account
Time to Report: Within 30–60 days
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Intrigue Fine Jewelry 10K Tradeline
Recommended

Intrigue Fine Jewelry 10K Tradeline

Reports To: Experian
Initial Credit Limit: $10,000
Type: Revolving Retail Account
Monthly Fee: May apply
Reports As: Primary Revolving Account
Time to Report: Within 30 days
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Ecredible
Recommended

Ecredible

Reports To: Experian
Initial Credit Limit: N/A
Type: Utility & Telecom Account
Monthly Fee: $9.95/mo
Reports As: Primary Utility Tradeline
Time to Report: 10–15 days
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Need Help Choosing?

Use the homepage contact section if you need guidance on the best primary tradeline path for your file.