Author Topic: Tradeline Piggybacking  (Read 748 times)


  • Magnum Stache
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  • Posts: 2547
  • Age: 32
Tradeline Piggybacking
« on: December 02, 2020, 01:58:36 PM »
I am providing a "piggyback" to a friend for his credit, and am scratching my head because something seems amiss.

In November, he had a score of 558 due to zero accounts and 1 collection. I disputed the collection for him and actually succeeded in getting it removed. Yay! His credit score went down to "n/a". Great, fresh slate.

I put him on three of my cards, and his score went from 760 to 777 to 790 per CreditKarma. He had no credit, and got added to 3 mature lines with high-ish credit limits, so this tracks.

However, when searching for prequalified credit card offers, he's getting nothing. As though he has zero credit again.

What gives?! Is there something I'm missing?
Transunion is scoring him at 790 and Equifax is scoring him at 785.
Cardmatch is showing ZERO offers.

Advice and input appreciated. Thank you!


  • Bristles
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  • Posts: 313
Re: Tradeline Piggybacking
« Reply #1 on: December 02, 2020, 05:17:53 PM »
I have a long, healthy credit history of my own. i.e. never been on anyone else's credit.
I almost never find a pre-approved offer. But when I apply, I am almost always approved. (A few times I had too many recent cards.)

So I suggest he just apply for what he needs.