Primary Tradelines
These are the recommended Primary Tradelines to add to your credit report. Remember, you must have at least one 5k tradeline reporting to the credit reporting agencies.
StellarFI
Qualifying Factor
RECOMMENDED
Reports To: Experian, Equifax, TransUnion
Initial Credit Limit: N/A
Type: Primary Tradeline
Monthly Fee: $4.99+
Reports As: Primary Account
Time to Report: Typically 30–45 days
Kick Off
Qualifying Factor
RECOMMENDED
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
Boom Pay
Qualifying Factor
RECOMMENDED
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
Self
Qualifying Factor
RECOMMENDED
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
Kovo
Qualifying Factor
RECOMMENDED
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
Ava Card
Qualifying Factor
RECOMMENDED
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
Credit Rent Boost
Qualifying Factor
RECOMMENDED
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
Credit Strong
Qualifying Factor
RECOMMENDED
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
Intrigue Fine Jewelry 10K Tradeline
Qualifying Factor
RECOMMENDED
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
Ecredible
Qualifying Factor
RECOMMENDED
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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