Supercharge your personal credit.
Hayes Bursak allows you to rent good credit, adding positive credit history to your credit report to help you reach your financial goals. We report to TransUnion, Experian & Equifax.
Secure Tradelines Easily
View Tradeline Store
View our live inventory of tradelines in our online portal. Choose the right one that fits your funding needs and that's in your budget.
Purchase Tradeline
Submit your application to purchase online. Feel free to call or text us so we can walk you through the process.
Tradeline Posts, Increasing Scores
Once the purchase is verified, tradelines post to your credit accounts within 7-15 days for personal AU tradelines and 15-30 days for business tradelines. We will keep you informed of updates and next steps during this wait time.
Get Immediate Funding
After the tradeline posts, you can apply for loans and get immediate funding and working capital for your next venture, investment or startup!
We make it so you can't lose!
If your tradeline doesn't post to your account or if it doesn't work for any reason, we will replace it with a working tradeline for FREE.
Get started.
View & Purchase Tradelines Below
Text Assist
For questions about which tradeline will boost your credit the most (based on your personalized credit report), call or text us at (844) 514-1655 for guidance you.
Frequently Asked Questions
How does Hayes Bursak boost your personal credit? We connect people like you who are looking to increase their credit score by purchasing authorized user tradelines with people who want to sell their unused credit card spots.
How Much Will My Credit Score Increase? We cannot predict how much your score can increase as many factors contribute to your credit score. However, one of the important factors is good credit history. The age of the line, limit and number of lines you buy help determine the boost you can get.
What is an Authorized User? An authorized user is a person who is listed on a credit account that they do not own. Being an authorized user on a credit account can help a person boost their credit score or increase their available credit. With HB Tradelines & Credit, people who want to establish or increase their credit for various purposes like signing a lease or purchasing a car can become an authorized user on another person’s credit account. Authorized users do not have the ability to access or spend on the credit account.
What is a Special Address? It is the address associated with the credit line. Some lines require that you add that line to your credit report by updating that address in the personal settings of your credit monitoring service 4-10 days after the statement date. This can only be done using one of these credit monitoring services: Identity IQ, CreditCheckTotal, FreeCreditReport.com or Experian.
Who Are The Credit Card Holders? Credit card holders who use HB Tradelines & Credit are everyday people with a good credit history who want to help people looking to increase their credit scores for a limited period of time. They do this by selling their tradelines.
What does the statement date mean? The statement date is the date the credit card company reports to the credit history to the bureaus.
What happens if I don’t see the credit history for the line(s) I ordered on my credit report after 2 weeks? You will need to report the line that did not post to our Customer Support department. We will review your credit report to verify that the line did not post. If you have followed all the instructions and the line is not there, you will receive a comparable tradeline or a refund.
Do I Get a Card? Where Is My Card? No, the authorized user is never given access to a credit card nor can they spend on it. Cards are sent directly to the original cardholder’s primary billing address. Authorized users will not be able to call the credit card company to access the account as they will not have the necessary security information.
Is This Legal? Adding an authorized user is backed by the Fair Credit Reporting Act (FCRA) and explained in most paperwork that comes with your credit card. The process itself is an option available to all credit card holders and has often been used for children, relatives, and friends. This said, we are not lawyers so we suggest consulting an attorney for further questions.