How to Read This Comparison
This article compares three tradeline providers: Boost Credit 101, Tradeline Supply, and CPN Makers. These are three very different companies serving different segments of the tradeline market. Our goal is not to declare one "the best" - the right choice depends on your specific situation: your credit score, your budget, whether you want to buy or sell tradelines, and how quickly you need results.
We have ranked CPN Makers second in this comparison - between Boost Credit 101 (ranked first) and Tradeline Supply (ranked third). This reflects our honest assessment of each company's strengths. We lead with transparency about our own limitations and let you decide which platform fits your needs.
All data in this comparison comes from public sources: each company's website, Reddit discussions on r/CRedit and r/selling_tradelines, Trustpilot reviews, and industry publications. We do not receive compensation from any of these companies for inclusion in this comparison.
Company Overviews
Boost Credit 101
Founded: 2014-2015 (estimated)
Headquarters: US-based (exact location not publicly disclosed)
Business Model: Buyer-focused only. Boost Credit 101 does not accept new sellers and does not run a broker program.
Website: boostcredit101.com
Boost Credit 101 is one of the most recognizable names in the authorized user (AU) tradeline market. The company built its reputation on a transparent 100% refund policy and a large client base (they claim "10,000+ clients" on their site). Their marketing is clean and consumer-friendly, positioning them as the "safe" choice in a market that has no shortage of scams.
Their primary limitation: they do not accept new sellers. This means their inventory is curated and controlled - you can only buy from their existing portfolio of tradelines. For buyers who want a curated, low-friction experience, this is an advantage. For sellers looking to monetize aged credit accounts, this is a dealbreaker.
Customer sentiment on Reddit r/CRedit is generally positive, with buyers praising their refund policy and customer service. Common complaints cite slow response times during high-demand periods and limited inventory availability.
Tradeline Supply
Founded: 2008
Headquarters: US-based (exact location not publicly disclosed)
Business Model: Both buyer and seller, but seller onboarding is currently limited.
Website: tradelinesupply.com
Tradeline Supply is the longest-running player in the commercial AU tradeline market, having operated since 2008. This longevity is their primary competitive advantage - they have the most aged tradelines in the market, with accounts that are 10-25 years old in some categories. For buyers specifically seeking highly seasoned tradelines, Tradeline Supply is often the first call.
Their operational model requires buyers to connect a Credit Karma account so Tradeline Supply can verify the buyer's identity and push the authorized user invitation through Credit Karma's system. This is a significant privacy concern for some buyers - you are giving a third party access to your Credit Karma account, which contains your full credit profile, open accounts, and credit scores. Reddit discussions on r/selling_tradelines frequently flag this as a concern.
Tradeline Supply also has the most sophisticated internal infrastructure of any tradeline company, with an educational content hub, a comparison calculator, and detailed tradeline tracking. Their buyer experience is polished. The Credit Karma login requirement remains the most cited drawback.
CPN Makers
Founded: 2022
Headquarters: US-based
Business Model: Both buyer and seller. Active broker program with referral commissions.
Website: cpnmakers.top
CPN Makers launched in 2022 as a full-service tradeline platform offering authorized user tradelines, primary tradelines, and pre-built CPNs. Our platform is newer than our competitors, which means we lack the long track record that Boost Credit 101 and Tradeline Supply leverage in their marketing. We are placing ourselves second in this comparison honestly - Boost Credit 101's refund policy and Tradeline Supply's inventory depth are genuine advantages we have not yet matched.
Where CPN Makers competes is on transparency and seller access. Our full tradeline inventory with pricing is visible on our store without requiring a consultation call. We run an active broker program that pays commissions to sellers who refer new clients. We are also one of the few platforms that offers primary tradelines alongside AU tradelines, giving buyers who want permanent credit-file aging an alternative to rental-only arrangements.
Our weaknesses: shorter track record, smaller aged-tradeline inventory than Tradeline Supply, and no public Credit Karma integration (which some buyers view as a privacy benefit but others view as less convenient).
Pricing Comparison
Below is a comparison of approximate pricing ranges for authorized user tradelines across all three platforms. Prices vary by issuer, credit limit, account age, and rental period. These are indicative ranges based on public pricing where available and estimates from industry sources.
| Provider | Entry-Level AU Tradeline | Mid-Tier AU Tradeline | Premium / Aged AU Tradeline | Primary Tradeline |
|---|---|---|---|---|
| Boost Credit 101 | $150–$250 | $250–$400 | $500–$900 | Not offered |
| Tradeline Supply | $200–$350 | $350–$600 | $700–$1,500+ | Not offered |
| CPN Makers | $150–$275 | $275–$450 | $450–$850 | $500–$1,500+ |
Prices are indicative and subject to change. Check each platform's store for current inventory and pricing. CPN Makers primary tradeline pricing varies significantly based on credit limit and issuer - see product pages for specifics.
Key observations: CPN Makers and Boost Credit 101 have similar entry-level pricing. Tradeline Supply commands a premium for its aged inventory. The biggest differentiator on CPN Makers' side is the availability of primary tradelines, which neither competitor offers - this is the only permanent credit-building option among the three.
Feature Grid
| Feature | Boost Credit 101 | Tradeline Supply | CPN Makers |
|---|---|---|---|
| Founded | ~2014 | 2008 | 2022 |
| Accepts new sellers | No | Limited | Yes |
| Broker program | No | No | Yes |
| Primary tradelines | No | No | Yes |
| Public pricing | Partial (consultation required) | No (member portal) | Yes (full store) |
| Credit Karma login required | No | Yes | No |
| 100% refund policy | Yes | Conditional | Conditional (credit toward replacement) |
| Max aged tradeline available | ~7-10 years | ~15-25 years | ~7-12 years |
| Seller transparency | None (curated inventory) | None | Public seller FAQ |
| RSA/24-7 support | Email + phone | Telegram + email |
Pros and Cons
Boost Credit 101 - Pros
- 100% refund policy is the most generous in the industry - no questions asked if the tradeline does not report
- Large buyer base means high demand and active marketplace
- Clean, professional website with educational content that helps buyers understand what they are purchasing
- No Credit Karma login required - identity verification handled separately
- Positive Reddit sentiment - consistently ranked as a trustworthy option on r/CRedit
Boost Credit 101 - Cons
- Not accepting sellers - if you want to monetize an aged credit account, you cannot do so through Boost Credit 101
- No broker program - you cannot earn commissions referring buyers
- Limited aged-tradeline inventory - most accounts are 3-7 years old; highly seasoned accounts (10+ years) are rare
- Requires consultation call for full pricing - not fully transparent
- Slow customer service during peak periods, per Reddit reports
Tradeline Supply - Pros
- Longest track record (2008) - the most experienced operator in the market
- Deepest aged-tradeline inventory - accounts up to 25 years old available
- Polished buyer experience - sophisticated portal, educational content, comparison tools
- Strong internal controls - rigorous vetting of tradelines before listing
- Active seller community (for existing sellers) - established payout infrastructure
Tradeline Supply - Cons
- Credit Karma login requirement is a significant privacy concern - buyers must grant access to their full Credit Karma account
- Limited seller onboarding - not accessible to new sellers
- No broker program - no referral commissions
- Conditional refund policy - less generous than Boost Credit 101
- Premium pricing - aged inventory commands higher prices than competitors
- No primary tradelines - AU rental only
CPN Makers - Pros
- Full public pricing - no consultation required, full inventory visible on the store
- Active broker program - earn commissions referring buyers or sellers
- Primary tradelines available - the only option among the three for permanent credit-file aging
- Accepts new sellers - aged account holders can monetize their credit history
- No Credit Karma login required - privacy-preserving identity verification
- Telegram support - real-time support channel for order status and questions
CPN Makers - Cons
- Newer company (2022) - no 15+ year track record like Tradeline Supply
- Smaller aged-tradeline inventory than Tradeline Supply for 10+ year accounts
- Conditional refund policy - credit toward replacement rather than cash refund (less generous than Boost Credit 101)
- Less brand recognition - r/CRedit presence is growing but not as established as Boost Credit 101
- No public customer review directory - working to build this trust signal
Which Service Should You Use?
Use Boost Credit 101 if:
- You are purely a buyer and want maximum refund protection
- You want a curated experience without needing to research inventory
- You are buying a mid-tier tradeline (3-7 years old) and want a trusted name
- You do not need primary tradelines
Use Tradeline Supply if:
- You specifically need a highly seasoned tradeline (10+ years old)
- Longevity and track record are your top priority
- You are comfortable with the Credit Karma login requirement
- You want access to the deepest aged-inventory market
Use CPN Makers if:
- You want permanent credit-file aging via a primary tradeline (the only option among the three)
- You want to sell tradelines or earn commissions as a broker
- You value full public pricing transparency without a consultation call
- You are uncomfortable with Credit Karma account access
- You want a newer platform with active development and Telegram support
Our Honest Assessment
If you are purely a buyer looking for the safest, most refund-friendly experience and do not need primary tradelines or aged inventory beyond 7 years, Boost Credit 101 is the right choice. Their 100% refund policy and established reputation make them the lowest-risk option.
If you need the most aged tradelines possible for a specific FICO model situation (e.g., older FICO versions used by some mortgage underwriters), Tradeline Supply has inventory that the others cannot match. The Credit Karma login is a real privacy trade-off - weigh it carefully.
CPN Makers is the right choice if you want primary tradelines (permanent aging rather than rental), if you want to sell or broker tradelines, or if you value full pricing transparency. We are second in this comparison because our track record is shorter and our aged-inventory depth is not yet at Tradeline Supply's level. We are actively building both.
No single company is "the best" for everyone. Use the feature grid and use-case guide above to match your specific situation. If you are unsure, start with a smaller tradeline purchase to evaluate the platform before committing to premium aged tradelines.
Frequently Asked Questions
See FAQ section at the bottom of this page for detailed answers.