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Business Loan Funding Center; Seasoned Tradeline Support Experts

We Are Piggybacking Tradeline Experts!

"Piggybacking" Tradelines is a practice involving seasoned trade lines, sometimes called piggybacking, which uses a creditworthy borrower's accounts to improve the  credit rating  of an unrelated third party.

The creditworthy borrower adds the third party as an authorized user of his lines of credit, but does not actually provide the third party with materials (credit cards, account numbers, etc.) that would permit the third party to make charges against that account.

The benefit to the third party is an improvement in their personal credit rating—their  credit score  increases. However, this does not change their entire credit record, but merely increases their credit score as a result of the newly added tradeline. This may make the third party look like a better credit risk, and may improve the third party's access to new credit. However, a credit score is only one aspect of the lending process; that is, the borrow must pass all underwriting procedures, which include much more than the credit scores of the borrow.

Opponent's Views

Those who oppose the concept of piggybacking would suggest that:

  • If the third party is dealing with a lender who uses  risk-based pricing , then their artificially inflated credit score may translate into a substantially lower  interest rate .
  • Artificially modifying credit scores may be consider fraudulent.
  • It's one thing to add a friend or a relative, it's another to add a stranger for profit.

Proponent's views

Those who support the concept of piggybacking would suggest, in response:

  • Risk-based pricing, relying solely on credit scores, does not truly get at the fundamental "risk" of the applicant. So, the access to lower interest rates is not affected entirely by piggybacking.
  • Credit scores are already artificially modified; that is, it is a made up system. There is no difference between adding an authorized user tradeline and opening a new account; they both affect your credit score.
  • Federal law, specifically the  Equal Credit Opportunity Act , provides for the addition of authorized user tradeline, without regard for the relationship between the parties.

Business Model

  1. A company offering the piggybacking service maintains a network of creditworthy "card holders" or "vendors", those stand by ready to add strangers to their accounts as authorized users for a fee.
  2. A third party, looking to increase their credit score, contacts the company. The company offers a selected tradeline to the client and charges the client a fee per account.
  3. The client pays the fee (anywhere from $500.00 to $2,000.00 per tradeline).
  4. The company submits the order to the card holder.
  5. Once the tradeline reports, the company pays the card holder their fee (anywhere from $50.00 to $250.00 per authorized user) and the company keeps the remain funds as profit, minus their expenses, of course.


There is no cut and dry answer regarding the many questions surrounding the legality of piggybacking, however, there are many sources that tend to indicate perhaps a general answer, such as:

  • FTC spokesman Frank Dorman said: "What I've gathered from attorneys here is that it is legal , however, the agency is not saying that it is legal technically." [ 1 ]  Other law enforcement agencies, like the Florida Attorney General's Office, are reviewing whether such activities are legal. [ 2 ]
  • A report published by the Federal Reserve Board reported "This is possible because creditors generally have followed a practice of furnishing to credit bureaus information about all authorized users, whether or not the authorized user is a spouse, without indicating which authorized users are spouses and which are not. This practice does not violate Reg. B"  [ 3 ]
  • In a written statement from Fair Isaac Corporation on credit scoring models and credit score before the U.S. House of Representatives Committee on Financial Services, Subcommittee on Oversight and Investigations, Tom Quinn, Vice President of Global Scoring Solutions for Fair Isaac Corporation, stated: "After consulting with the Federal Reserve Board and the Federal Trade Commission earlier this year, Fair Isaac has decided to include consideration of authorized user trade lines present on the credit report..." [ 4 ]

Its As Simple As That. 

Seasoned Tradelines; allow no more than 30 days for reporting; and a full refund after 60 days. No other company; we know of, will back up their services the way Legal CPN has over the past 6 years though thousands of clients.

Our Guarantee Is In Writing

If you are considering credit enhancement services; you need to align yourself with a credit enhancement company that is experienced enough and confident enough in their ability to delete negative credit, enhance credit scores with positive tradelines, setting up CPN numbers and has the ability to create new credit profiles using the power of personal business or business credit options that guarantees total satisfaction. Legal CPN has that level of confidence and we are proud to offer the most substantial guarantee of positive results throughout the credit restoration industry.

When you are comparing credit enhancement companies to work with, be sure to ask yourself these questions:  

1) Will the company;   Guarantee results in writing?  
2) Will the company;   Provide my clients with a money back guarantee   in writing?  
3) Will the company;   Guarantee their services   if I allow time for my services to work?  

When you choose Legal CPN; The answer to all of these questions is   "Yes!"

SEASONED TRADELINE GUARANTEE:  Our seasoned tradeline guarantee is in writing and fully enforceable.

4. Refund. In addition to the refund authorized by of this Agreement, Broker shall refund to Lessee all monies it has received from Lessee if Broker receives verifiable written documentation from Lessee, as well as a legible copy of the Lessee’s valid Social Security card containing the same Social Security Number submitted by Lessee through Lessee’s secure web site, that the addition of Lessee as an authorized user on one or more credit card accounts does not appear on at least one (1) of Lessee’s credit reports within sixty (60) calendar days of the first estimated reporting date following your actual addition to the account as an authorized user. Refunds will not be authorized for a Lessee’s inability to prove the validity of a Social Security Administration issued Social Security Number. Additionally, a refund will not be issued for any other reason than the non appearance of a purchased tradeline in at least one of the client’s three credit reports.

To read the entire seasoned tradeline contract; CLICK HERE, Please note all clients enter and are protected by our contracts!  We make our guarantees in writing! 

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