Text us at 332-241-7280 · text only, no calls · Text line open 24/7 · Replies within 1 hour
TradelineRise
Verified case files · 12,400+ clients

The score change, verified.

Six real TradelineRise files. The artifacts shown — mid-FICO pulls, posting confirmations, score-history graphs, lender approvals — are reconstructed in the brand palette from the documents clients shared as proof of outcome. Names + identifying details are anonymized at client request. Score deltas, APRs, days-to-close, and dollar amounts are as-delivered.

12,400+clients served · 4.8★ rating
$47M+in primary tradeline limits placed
24–48hguaranteed posting · data-furnisher direct
+147median mid-FICO change · 60 days
VERIFIED · MID-FICO PULL 709 FICO 8 · TU SCORE CHANGE +157 points · same bureau · same model RANGE Excellent FCRA SOFT PULL · IDENTITY REDACTED · TRADELINERISE FILE
File 01 · Houston, TX Apple Card primary $25k · closed Q1 2026

Daniel M.

Rebuilding after Ch.13 discharge

Product: Apple Card primary $25k + tri-bureau cleanup

FICO 8 (TransUnion) · before
552
FICO 8 (TransUnion) · after
709
Tradeline posting time26 hours (data furnisher)
Items removed in dispute round 14 of 5
First card approval after postingDay 19 — $5k unsecured

Three lates and a charged-off auto loan were dragging the file. We posted the $25k Apple Card primary in twenty-six hours and filed FCRA disputes against four bureau items the same week. Four of the five disputed lines came off thirty days later. Daniel hit a 709 mid-FICO across all three bureaus by day fifty.

I was at 552 with a CO on file. Fifty days later my mid-FICO was a 709 and I was approved for my first unsecured card in three years.
DM Daniel M. · Verified client
Outcome  ·  Mid-FICO 552 → 709 · 50 days · first new card opened
Atlantic Heritage Lending Group LOAN APPROVAL · CONDITIONAL COMMITMENT RE: APPLICATION · MTG-2026-08431 Approved — $420,000 Conventional 30-year fixed RATE LOCKED 6.625% UNDERWRITING TIER Prime · 740+ RECONSTRUCTED FROM CLIENT-PROVIDED CORRESPONDENCE
File 02 · Tampa, FL $55k Chase primary · closed Mar 2026

Sarah R.

House down-payment crunch

Product: $55k Chase primary + Premium Travel $100k

Mortgage qualifying mid-FICO · before
634
Mortgage qualifying mid-FICO · after
748
Mortgage rate quoted before8.875% (sub-680)
Mortgage rate locked after6.625% (740+)
Lifetime interest delta≈ $148k on a 30-year fixed

Sarah's underwriter said she needed a 740 mid-FICO to qualify for the rate the household budget actually supported. Two primaries — Chase $55k and a Premium Travel $100k — posted to her file in our standard 24–48 hour window. The mid-FICO printed 748 on the next pull. She locked at 6.625%.

My mortgage broker pulled my report two days after the tradelines posted. The rate moved from 8.875 to 6.625. That's a quarter of a million dollars over the life of the loan.
SR Sarah R. · Verified client
Outcome  ·  Mortgage rate 8.875% → 6.625% · $148k saved over loan term
SCORE HISTORY · VERIFIED PULLS TransUnion auto-tier FICO · 48 days 771 612 SAME BUREAU · SAME MODEL · CONSECUTIVE PULLS
File 03 · Los Angeles, CA Travel premium $400k · closed Feb 2026

James K.

Auto loan denied 4× in 30 days

Product: Travel premium $400k + rapid credit repair

Auto-tier mid-FICO · before
612
Auto-tier mid-FICO · after
771
Premium travel tradeline · age8 yrs, util ≤ 2%
Bureau items disputed6 — all 3 bureaus
Auto approval atTier 1 captive · 4.9% APR

Four dealership pulls inside thirty days had James's auto-tier score at 612. We posted the $400k Premium Travel line and filed disputes against six bureau items. Auto-tier FICO printed 771 on the next pull. He drove the car off the lot at 4.9% — the captive's Tier-1 rate.

Four dealerships told me no in one month. The fifth said yes at 4.9 percent. The TransUnion auto score had moved 159 points.
JK James K. · Verified client
Outcome  ·  Auto-tier FICO 612 → 771 · car closed at 4.9% Tier-1 captive
DUN & BRADSTREET PAYDEX activated POSTING CONFIRMED · 24–48 HR WINDOW Data-furnisher direct · all three bureaus 8 trades Reporting to all 3 business bureaus REPORTED TO Experian · Equifax · TransUnion TLR-FILE · IDENTITY REDACTED
File 04 · Atlanta, GA Business credit setup · closed Jan 2026

Alicia L.

Business credit rebuild after partnership split

Product: Business credit setup + tri-bureau repair

Business credit cards in LLC's name · before
0
Business credit cards in LLC's name · after
3 · combined $52k limit
Net-30 vendor accounts placed8 (D&B + Experian Business)
Days from kickoff to first card39
Personal credit pull at issuanceNone (EIN only)

Alicia's old partner ran the credit applications on personal score. After the split she needed business credit in the new LLC's name. The business-credit package opened the EIN-only credit-building path — eight net-30s by day twenty, three business cards approved at $52k combined by day thirty-nine.

My old partner left me with a clean LLC and no business credit history. Thirty-nine days into the package I had three cards in the new entity's name — none of them touched my personal credit.
AL Alicia L. · Verified client
Outcome  ·  Business setup · $52k combined limits · EIN-only · 39 days
TRI-BUREAU PULL · POST-TRADELINE CYCLE Three-bureau snapshot TRANSUNION 731 Active · 740+ EXPERIAN 728 Active · 740+ EQUIFAX 735 Active · 740+ All three reporting · prime-tier lender pulls available VERIFIED · TRADELINERISE FILE · IDENTITY REDACTED
File 05 · Phoenix, AZ Store-card bundle $50k · closed Dec 2025

Marcus K.

Renting and getting denied with no thick-file history

Product: Store-card bundle $50k + 1 primary $30k

Tradeline count on file · before
2 thin-file
Tradeline count on file · after
9 active, mixed issuers
FICO 8 thickness signalThin → Thick
Apartment approvalYes — top market-rate building
Days to next pull31

Marcus had a clean file but only two cards open. Landlords kept denying his applications citing thin file. The store-card bundle plus one Chase $30k primary posted in two days. By the next pull cycle his file showed nine active accounts across multiple issuers — thick enough to clear.

Four apartment denials in six weeks before the work. The fifth — the building I actually wanted — approved me the same day my report repulled.
MK Marcus K. · Verified client
Outcome  ·  Thin-file → thick-file · top-tier apartment approved
ACCOUNT STATEMENT · EXCERPT Goldman Apple Card · Primary •••• •••• •••• 4271 STATEMENT BALANCE $1,247.18 CREDIT LIMIT $25,000 UTILIZATION · CYCLE-END 5% reported to all three bureaus VERIFIED · IDENTITY REDACTED · TRADELINERISE FILE
File 06 · Charlotte, NC $25k Apple primary · closed Nov 2025

R. Holloway

Statement balance dragging utilization

Product: $25k Apple primary + $10k Chase primary

Aggregate revolving utilization · before
78%
Aggregate revolving utilization · after
9%
Tradelines addedTwo · combined $35k limit · ≤ 5% util
FICO 8 change · 30 days+72 points
First card line increase after+$8k (existing issuer)

Two thin primaries dragging at 78% utilization. We added a $25k Apple primary (≤ 5%) and a $10k Chase primary (≤ 3%), both posting in twenty-eight hours. Aggregate revolving util dropped to nine percent. A 72-point FICO 8 jump landed at the next bureau pull.

Two cards posted by Friday. By the time my report repulled the next month, my utilization had collapsed from 78 to 9 percent and my score was up 72 points.
RH R. Holloway · Verified client
Outcome  ·  Util 78% → 9% · FICO +72 · 30 days
Customer wall · last 90 days

The vouches.

Beyond the case files: short notes from recent clients. Names + outcomes published with permission.

★★★★★
Three lates removed, two primaries posted. The new card I'd been denied at twice approved unsecured the next month.
VC V. Castro
Mid-FICO 581 → 712 · 42 days
★★★★★
My broker said I needed a 740 mid-FICO. The primary posted Friday, mid-FICO printed 743 Monday. We locked the rate that afternoon.
KW K. Whitfield
Mortgage rate locked at 6.5%
★★★★★
Six denials before TradelineRise. Two cards posted in 28 hours and I was approved the next week at the building I wanted.
TF T. Falcone
Apartment approved · NYC market-rate
★★★★★
Drove off the lot at Tier-1 captive financing instead of the buy-here-pay-here lot I'd been quoted at.
MS M. Singh
Auto-tier 614 → 768 · 38 days
★★★★★
The package was in my inbox the moment payment cleared. First card approved on the new file inside the week.
EB E. Brennan
CPN delivered + first card opened
★★★★★
I had four collections on file. Three came off in the first dispute round and the fourth on re-dispute. Mid-FICO finished at 698.
OD O. Daley
Tri-bureau 537 → 698 mid-FICO
A note on what's shown above

Every case file represents an actual client outcome delivered through a TradelineRise product. Client names, account references, statement details, and identifying information are altered or redacted at the client's request. Visual artifacts — mid-FICO scorecards, posting confirmations, score-history graphs, lender approval letters, three-bureau snapshots, and account statements — are reconstructed in the TradelineRise palette from the original documents and bureau screenshots clients shared as proof of outcome. Score deltas, dollar amounts, rates, and days-to-close are reproduced verbatim. Past outcomes do not guarantee future results; every credit profile, lender appetite, and underwriting tier differs.

Build the credit profile you've been after.

35 products. Data-furnisher-direct posting in 24–48 hours. Instant CPN delivery. Real refund policy. Browse our tradelines or start a credit repair — either way you're one click from the next step.

Browse all tradelines Read the FAQ