Up, down, backwards and sideways. From hearing about guaranteed federal rate cuts, to no cuts in sight and then see the outlook slingshot right back to planning for frequent cuts. Record stock market highs continually broken while factors that should support those highs are nowhere to be seen. Rising inflation, insane spending and debt charts, higher or lower jobs reports and consumer confidence numbers that change by the week - if not by the day. Gold about to reach over $4k USD as I write this, and a dollar that's down 10% since about January.

The American economy as a whole is a very strange creature lately. The minute you think you've locked down a pattern or some sort of reasoning behind the madness, the rug is yanked out from under you or you're blind-sided by a freight train of events that you couldn't possibly see coming. There's very low certainty or predictability. Some may disagree, but this is obvious for anyone who's genuinely paying attention. Even amongst the most detailed and dedicated market or economic analysts, their best guesses have been proving to be nothing more than a complete gamble as to what happens next.

The last 3 years have been a roller coaster ride to speak lightly. Where will we go next? Nobody knows. It feels as if there's a data overload, or too many moving pieces to pin down a reasonable model of its function.

Now don't get me wrong, economics and finance have never been guaranteed and the stock market has always been susceptible to a variety of metrics that can tug, push, pull, spin, throw, yank, or even completely flatten it. It's not bulletproof and I don't think it's meant to be. But I do think we're finding ourselves in totally uncharted territory right now. It's actually quite incredible - but of course that depends on your perspective, angle, and level of involvement.

The Effect Of This Wild Economy on Buying and Selling Tradelines

The industry of authorized user tradelines is extremely niche. In fact, it's so niche that you'd expect it to be moved just as easily as any other industry - especially since it involves the world of credit which is often very dependent on politics and current events. Yet, through all of this noise and movement the industry as a whole has remained remarkably well-balanced.

You might expect record-high credit card debt delinquencies matched with a surprisingly difficult ease-of-living to result in much less activity surrounding an industry dedicated to strengthening people's credit, but that's not really the case. While there are mild ups and downs, they seem to occur rarely and only in short bursts. The foundation of this niche is generally very stable, and people continually are seeking to improve their credit reports while there are still plenty of ready and willing cardholders knocking at the door looking for an opportunity to earn.

One of the reasons behind the strength we're seeing withing our company and the industry as a whole is that it's multi-faceted. While we do specialize in helping people achieve their credit goals, there are many different reasons they wish to do so. A lot of people assume it's all about making big-ticket purchases. I can't say that's not completely incorrect but it's far from the be-all, end-all model that this niche provides support for.

A tradeline buyer may be preparing to purchase a new home or vehicle and seeking the best down payment, interest rates, or flexibility in repayment options. At the same time, many buyers are simply looking to display better credit reports to secure a great job opportunity, a rental property that places them closer to work, or the chance to strategically improve their own primary credit lines by becoming more attractive to lenders or credit card companies.

When you see the certain sectors in near-gridlock, or the fact that the automotive market has went through major swings in recent years, the difficulties surrounding real estate and home ownership opportunities, or the seemingly mysterious job market, you'd imagine the result would be a complete pause in forward movement within a niche area like buying or selling authorized user tradelines. But the truth is, each of those factors continue to sway in different directions. If jobs are hard to find, people would probably be low on cash. But guess what, they also don't want to risk losing the opportunity of a lifetime in their career field due to heightened competition and a company that runs credit checks on potential hires.

Similarly, while rent prices may be high and elevated costs of living are incurred, that doesn't mean someone isn't ready to invest in the security that a couple of authorized user tradelines can offer them when a landlord's background check includes the credit bureaus. If two very responsible people are trying to rent the same property and the landlord simply decides to chose the person with the best overall credit score, the investment of paying to become an authorized user could be extremely attractive - especially when the location of that rental puts you into an area where the logistics for work, the kid's school, and similar factors result in saving 10's of thousands of dollars each year.

The younger but abnormally responsible college student who really wants to build up their credit quickly but only has a single credit card and can't squeeze a higher limit from it or qualify for an installment loan to improve their credit profile may find great relief in the ability to hold a temporarily elevated credit score that puts them in the hot-seat for credit card or loan approvals. And now they've just advanced their credit game by shaving several years off the typical process. Being able to secure a couple decent credit cards or a $5k personal loan in their own name that they can use responsibly to continue growing financially is a wonderful feeling.

The point here is that there are a lot of things at play. They don't all involve the same rhyme and reason. Nothing that happens in the housing sector has anything to do with someone's savings account and their desire to spend less on their down payment for a luxury vehicle and getting better financing rates. More cash in their pocket and several thousands in savings is an excellent incentive to purchase tradelines.

Buying Tradelines, Selling Tradelines - Both Options Are Standing Strong

Meanwhile, not everyone is having a hard time financially. This means the supply for buyers - the people who actually add authorized users to their cards - has not dried up. There is still an abundance of people holding credit cards with excellent histories and high limits who are more than willing to take in the extra income for performing a task as simple as adding and removing authorized users to their cards. And even though you could assume that nobody has credit cards available since delinquencies and debts are so high, you must consider the idea that 9 credit cards which are all maxxed out by a single person could be a large part of what these statistics are made from. It doesn't require an overwhelming majority of individuals to sway a statistic that involves numerous credit instruments.

For example, usually when people get hit by financial issues, they get hit pretty hard and so not just one account would default but potentially all of their accounts. That effect alone could contribute to a very large percentage of the record increases being reported in regard to late, delinquent, and massively high credit card debt.

In any case, things remain stable for this small but important corner of the credit world. Just like the waves of the sea, the customers keep coming in from one direction or another. We're not immune to changes, and there are some things that are seasonal or even spontaneous regarding sales and performance. But stepping back to look at the larger picture, this is a very resilient niche, and one we're proud to be a part of.

How To Learn More About Authorized User Tradelines Or Put Them To Use

If you think purchasing authorized user tradelines could help ease your financial future, view our complete inventory today. If you have some extra credit cards sitting around that could get good use as tools to help people reach their goals while putting significant extra income in your pocket, check out what it takes to be seller (you can even see exactly how much you'll make from each individual sale before needing to sign up and without sending us a single thing - just take a look at our commissions schedule right now for details).

Maybe you're not sure what you want to do with tradelines, if anything at all. But if you're curious about the processes, you know where to look.

GFS Group is dedicated and focused on being the best tradeline company in the industry. From our cutting-edge user platform to our industry-leading referral and bonus program, there's little reason to select another company.

In fact, we encourage you to compare our rates, service, and overall offerings with any of our competitors. Here's why:

  • GFS Group pays the highest referral commissions in the industry (100% per card!)
  • GFS Group has the highest and fastest overall payouts
  • GFS Group offers a near-zero risk of card closure for many people (depending on your card issuer)
  • GFS Group's customer service is often regarded to as second-to-none by our experienced clients
  • GFS Group is fully dedicated to the latest trends in both safety, security, and risk mitigation
  • GFS Group provides an almost fully-automated notification and addition/removal process
  • GFS Group's seller dashboard allows you to switch your cards on or off with the flick of a button
  • GFS Group provides tips & insight for the best selling strategies and latest practices
  • GFS Group even offers a "no-card required" option for making great extra income!

There's a reason why more and more sellers are moving to GFS Group, and it's because we're quite hard to beat. Take a peek at what we can do for you, whether you're new or experienced. We're proud to be at your service and happy to help you get on the path to a better lifestyle and healthier financial future.