Coast Tradelines
Coast Tradelines is a privately held, bootstrapped credit services marketplace founded in 2010 that connects credit card holders with strong payment histories to consumers seeking to boost their credit scores through authorized user tradelines, serving 700+ clients per month via direct and broker channels.
- Company typePrivate
- Founded2010
- HeadquartersSan Diego, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Coast Tradelines does
Coast Tradelines, Inc. is a Texas-incorporated, privately held credit services company founded in 2010 and headquartered in San Diego. The firm operates a digital marketplace that connects credit card holders with strong payment histories (sellers) to individuals seeking to boost their credit scores (buyers) via the authorized user (AU) tradeline mechanism permitted under Regulation B of the Equal Credit Opportunity Act. The core product is the ability to be added as an authorized user on seasoned credit card accounts — typically from major issuers such as Bank of America, Chase, Citi, Discover, Barclays, Wells Fargo, and Sears (Citi) — with tradelines posted to the buyer's credit report within roughly 8-10 days of the statement date and remaining for at least 60 days.
The company's technology footprint is a web-based self-service marketplace with a "Pick Your Own Tradeline" inventory browser, a Tradeline Assessment recommendation tool, an SSN Validation service ($20/validation), a Deposit/Payment system, and supporting customer-service channels including phone, SMS, and live chat. There is no mobile app, no published API, and no proprietary AI/ML component described; the platform is a service-marketplace rather than a software product. Marketing is driven by SEO, content (educational blog and glossary), customer reviews, and social channels (Instagram, TikTok, YouTube).
Revenue is generated through unit-priced transaction fees on tradeline purchases (sample pricing ranges from ~$170 for a $6,000-limit 2014 Citi account to ~$780 for a $40,000-limit 2013 Barclays account), cardholder-side fees (Coast retains a portion of the $50-$350/month per card paid to hosts), a $20 SSN validation add-on, and volume-based rebates through the three-tier Brokers Club VIP program (Silver/Gold/Platinum). The firm serves 700+ clients per month via a direct-to-consumer website and a B2B2C broker channel, and operates from six U.S. offices (San Diego, Centennial, NYC, Detroit, San Antonio, San Bernardino). The company has been bootstrapped since founding with no disclosed external funding.
Coast Tradelines firmographics
Firmographics- Name
- Coast Tradelines
- Legal name
- Coast Tradelines Inc.
- Website
- https://coasttradelines.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Coast Tradelines is a privately held, bootstrapped credit services marketplace founded in 2010 that connects credit card holders with strong payment histories to consumers seeking to boost their credit scores through authorized user tradelines, serving 700+ clients per month via direct and broker channels.
- Ownership category
- akta.pro rank
Where Coast Tradelines is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Coast Tradelines business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Operations, Personnel, Technology or R&D, Others
Revenue model
- Tradeline Sales (Buyer Side): Coast Tradelines charges buyers fees for access to authorized user tradelines. Pricing varies based on the tradeline's credit limit, age of account, and payment history. Higher-quality tradelines (older accounts, higher limits) command premium pricing.
- Cardholder Program (Seller Side): The company recruits credit card holders with excellent payment history to become authorized user hosts. Cardholders earn passive income ($50-$350/month per card) by adding authorized users to their accounts. Coast Tradelines retains a portion of these fees.
- SSN Validation Service: The company offers Social Security Number validation for $20 per number, helping verify identity information for tradeline processing.
- Brokers Club VIP Program: A B2B partner program where brokers and resellers access discounted tradelines and earn rebates on purchases, generating revenue through volume-based pricing differentials.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | SSN Validation Service - Identity verification for tradeline processing |
| Unit Pricing | Pay-as-you-go | Sample Tradeline Pricing - Pricing varies by bank, credit limit, and account age |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Coast Tradelines product offering
Product offeringCore offering
Coast Tradelines operates a marketplace that connects individual consumers seeking credit score improvement with credit card holders (sellers) who add buyers as authorized users on their established, seasoned credit card accounts. Buyers gain the positive payment history from these accounts on their credit reports, which can boost their credit scores within roughly 8–10 days of posting. The company also offers SSN Validation, a Tradeline Assessment recommendation tool, a tiered Brokers Club VIP reseller program, and a Cardholder Program to recruit sellers.
Product overview
Coast Tradelines operates as a credit improvement services platform offering authorized user tradelines as its core product. The main offering enables customers to become authorized users on established credit card accounts with strong payment histories and high credit limits to boost their credit scores. The platform provides a self-service marketplace called 'Pick Your Own Tradeline' where customers browse and select from available inventory. Supporting services include SSN Validation, Tradeline Assessment for personalized recommendations, and a Deposit System for payment processing. The company also operates a Brokers Club VIP program with tiered membership levels (Silver, Gold, Platinum) for business partners, and a Cardholder Program enabling credit card holders to monetize their good credit by adding authorized users. The company has been operating since 2010 and maintains inventory of 300+ tradelines from partner banks including Bank of America, Chase, Citi, Discover, Wells Fargo, and Barclays.
Differentiator
Problem solved
Functional benefit
Products and services
- Authorized User Tradelines Marketplace of seasoned credit card accounts (up to 15 years old, varied credit limits) that individual consumers purchase access to as authorized users, so the account's positive payment history appears on their credit reports and can raise their credit scores within 8–10 days of posting.
- Pick Your Own Tradeline Self-service portal that lets buyers browse the live tradeline inventory, view each card's age, issuer, credit limit, and monthly payment, and select the specific accounts they want to be added to rather than relying on a curated recommendation.
- SSN Validation Standalone $20 verification service that confirms a buyer's Social Security Number matches their credit profile, designed to prevent posting errors and wasted spend on the wrong file.
- Brokers Club VIP Tiered B2B reseller program for credit repair companies and brokers, with Silver, Gold, and Platinum tiers offering volume-based pricing, priority inventory access, and dedicated support for reselling tradelines to end clients.
- Cardholder Program Supply-side program that recruits credit card holders with strong payment histories to add strangers as authorized users on their accounts in exchange for monthly payouts, expanding the company's tradeline inventory.
Quantifiable outcome
- Tradelines post within 8-10 days after the listed statement date
- +2 more outcomes
Companies that use Coast Tradelines
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Coast Tradelines technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature1 record
Coast Tradelines partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Bank of AmericacoreBank of America credit cards are offered as tradelines on Coast Tradelines platform. These tradelines feature high credit limits and established payment histories that benefit authorized users' credit profiles.
- ChasecoreChase credit cards are among the tradelines offered. Chase cards with long histories and strong payment records are highly valued in the tradeline marketplace.
- CiticoreCiti Bank credit cards are offered as tradelines. Sample Citi tradeline shown with $6,000 limit and 2014 issuance for $170.
- DiscovercoreDiscover credit cards are offered as tradelines on the platform, providing another major bank option for authorized user tradelines.
- BarclayscoreBarclays credit cards are offered as tradelines. Sample Barclays tradeline shown with $40,000 limit and 2013 issuance for $780.
- Wells FargocoreWells Fargo credit cards are offered as tradelines. Sample Wells Fargo tradeline shown with $13,000 limit and 2015 issuance for $330.
- Sears (by Citi)minorSears credit cards issued by Citi are offered as tradelines, providing older account options for authorized users.
- Brokers Club VIP MemberscoreThousands of broker partners access Coast Tradelines inventory through the Brokers Club VIP program, reselling tradelines to their end customers. Partners receive tiered benefits including discounts, early access to inventory, and rebate programs.
- Credit Card Cardholderscore200+ cardholders partner with Coast Tradelines to provide tradelines by adding authorized users to their credit card accounts. Cardholders include Chase, Citibank, Bank of America, Discover, PNC, Sears, HSBC, and Barclays customers. Cardholders earn $50-$350 per month per card for participating.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
Coast Tradelines competitors and assessment
Company assessmentEmerging players
- Self: Credit-builder loan and rent-reporting platform that helps thin-file consumers build credit through installment payments; targets a similar credit-improvement buyer with a different mechanism.
- Sky Blue Credit: Credit-repair services firm that also incorporates tradeline strategies into its offering; overlaps with Coast Tradelines in the credit-improvement buyer segment though its primary service is dispute/repair rather than marketplace brokerage.
- The Credit People: Credit-repair subscription service addressing the same credit-stressed consumer segment; an adjacent competitor that may bundle tradeline-like strategies for the same buyers.
Direct peers
- Tradeline Supply Company: One of the largest authorized-user tradeline marketplaces in the US, offering a comparable AU inventory, broker program, and direct-to-consumer credit-improvement service directly overlapping Coast Tradelines' core offering.
- BoostMyScore: Tradeline sales platform selling AU tradelines with similar pricing, inventory depth, and credit-repair-focused buyer segments as Coast Tradelines.
- Tradeline.com: Long-running tradeline broker selling seasoned authorized-user tradelines with a marketplace model and credit-education content, directly competing for the same buyers as Coast Tradelines.
Broad incumbents
- Lexington Law: Large, established credit-repair law firm serving consumers with damaged credit; competes for the same end-buyer demographic through a broader credit-repair offering rather than a pure tradeline marketplace.
- Credit Karma: Free credit-monitoring and financial-products platform owned by Intuit; competes indirectly by educating and serving the same credit-improvement consumer segment at massive scale.
- Experian Boost: Credit-score enhancement product from a major bureau that uses alternative-data reporting to lift FICO scores; a free or low-cost substitute that competes for the same credit-improvement use case.
Others
- Credit Repair Cloud: Software platform enabling credit-repair professionals to operate their own firms — adjacent to Coast Tradelines as an enabler of the broker/reseller ecosystem that drives Coast's B2B2C distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Coast Tradelines social profiles
Digital presenceCoast Tradelines financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coast Tradelines leadership team
Management profileNumber of profiles
Coast Tradelines funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coast Tradelines M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coast Tradelines
What does Coast Tradelines do?
Coast Tradelines operates a marketplace that connects individual consumers seeking credit score improvement with credit card holders (sellers) who add buyers as authorized users on their established, seasoned credit card accounts. Buyers gain the positive payment history from these accounts on their credit reports, which can boost their credit scores within roughly 8–10 days of posting. The company also offers SSN Validation, a Tradeline Assessment recommendation tool, a tiered Brokers Club VIP reseller program, and a Cardholder Program to recruit sellers.
Is Coast Tradelines a public or private company?
Coast Tradelines is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Coast Tradelines founded?
Coast Tradelines was founded in 2010. It employs 1 to 10 people.
Where is Coast Tradelines based?
Coast Tradelines is headquartered in San Diego, United States, in the North America region.
How does Coast Tradelines make money?
Four revenue lines are on record. Tradeline Sales (Buyer Side) is the primary driver. The others are cardholder Program (Seller Side), SSN Validation Service and brokers Club VIP Program.
Who are Coast Tradelines's main competitors?
Emerging players on record are Self, Sky Blue Credit and The Credit People. Direct peers are Tradeline Supply Company, BoostMyScore and Tradeline.com. Broad incumbents are Lexington Law, Credit Karma and Experian Boost. Credit Repair Cloud is listed as an others.
Does Coast Tradelines have an API?
No public API is recorded for Coast Tradelines.