The Bradford Method
Backdated Personal Tradelines • Built for Approvals
Tired of Getting Denied?
Thin credit files cause denials. We add backdated, primary tradelines reporting to TransUnion — with timing options to match your goal. No CPNs accepted.
⚠️ IMPORTANT: For this special upload cycle we are only accepting TransUnion orders. We are not accepting any Equifax orders and Experian is not available at this time.
Most People Can’t Get Approved Because Their File Is Too Thin
Lenders look for age, limits, and payment history. Credit repair alone rarely adds these. Our tradelines are primary, backdated 3+ years, and appear directly on your file — so you can qualify with confidence.
How It Works
1️⃣ Select
Pick your bundle or individual tradeline (TransUnion focus for this limited upload).
2️⃣ Add to Cart
Click Pay with Zelle on your choice. Your picks appear in the Cart Summary below.
3️⃣ Upload / Timeline
TransUnion uploads on December 5, 2025 for this special cycle.
4️⃣ Reporting
TransUnion: ~7 business days after the December 5, 2025 upload.
Tradeline Bundles — 6% (Equifax or TransUnion)
Why bundles? Faster file depth, stronger lender trust, and better value than buying lines one-by-one.
⚠️ For the December 5, 2025 upload, we are only processing TransUnion orders. Equifax orders will not be accepted and Experian is not available.
Starter
15K Revolving + 25K Installment
$2,400
Great jumpstart for approvals; clean mix without overbuilding.
Growth
25K Auto + 25K Revolving
$3,000
Balanced mix signals real-world usage across loan types.
Elite
50K Auto + 35K Revolving + 25K Installment
$6,600
Maximum signaling for higher-limit approvals and lender confidence.
Dual Posting Bundles — 8% (Equifax + TransUnion)
Why Dual? Two-bureau visibility means more lenders see your depth.
⏱️ For this December 5, 2025 upload window, Dual (Equifax + TransUnion) orders are paused. We are only accepting TransUnion lines.
Equifax orders will not be processed and Experian is not available.
Starter Dual
15K Revolving + 25K Installment • EQ + TU
$3,200
Temporarily unavailable for this upload cycle.
Growth Dual
25K Auto + 25K Revolving • EQ + TU
$4,000
Temporarily unavailable for this upload cycle.
Elite Dual
50K Auto + 35K Revolving + 25K Installment • EQ + TU
$8,800
Temporarily unavailable for this upload cycle.
Individual Tradelines
⚠️ For the December 5, 2025 upload, we are only accepting TransUnion orders. Equifax and Experian are not available for this cycle.
Backdated 3+ Years · TransUnion reports ~7 business days after the December 5, 2025 upload.
💳 Revolving Tradelines
| Limit | Equifax (6%) | TransUnion (6%) | Add |
|---|---|---|---|
| $15,000 | $900 | $900 | |
| $25,000 | $1,500 | $1,500 | |
| $35,000 | $2,100 | $2,100 |
🧾 Installment Tradelines
| Limit | Equifax (6%) | TransUnion (6%) | Add |
|---|---|---|---|
| $25,000 | $1,500 | $1,500 | |
| $50,000 | $3,000 | $3,000 | |
| $75,000 | $4,500 | $4,500 | |
| $100,000 | $6,000 | $6,000 | |
| $120,000 | $7,200 | $7,200 |
🚗 Auto Tradelines
| Limit | Equifax (6%) | TransUnion (6%) | Add |
|---|---|---|---|
| $25,000 | $1,500 | $1,500 | |
| $50,000 | $3,000 | $3,000 | |
| $75,000 | $4,500 | $4,500 | |
| $100,000 | $6,000 | $6,000 | |
| $120,000 | $7,200 | $7,200 |
🏠 Real Estate / Manufactured Home
| Limit | Equifax (6%) | TransUnion (6%) | Add |
|---|---|---|---|
| $75,000 | $6,000 | $6,000 | |
| $100,000 | $8,000 | $8,000 | |
| $150,000 | $12,000 | $12,000 |
Dual Posting — Individual Tradelines (8%)
Backdated 3+ Years • For the December 5, 2025 upload, Dual (Equifax + TransUnion) lines are paused. We are only accepting TransUnion-only orders. Equifax and Experian are not available this cycle.
💳 Revolving — Dual (EQ + TU)
| Limit | Dual (8%) | Add |
|---|---|---|
| $15,000 | $1,200 | |
| $25,000 | $2,000 | |
| $35,000 | $2,800 |
🧾 Installment — Dual (EQ + TU)
| Limit | Dual (8%) | Add |
|---|---|---|
| $25,000 | $2,000 | |
| $50,000 | $4,000 | |
| $75,000 | $6,000 | |
| $100,000 | $8,000 | |
| $120,000 | $9,600 |
🚗 Auto — Dual (EQ + TU)
| Limit | Dual (8%) | Add |
|---|---|---|
| $25,000 | $2,000 | |
| $50,000 | $4,000 | |
| $75,000 | $6,000 | |
| $100,000 | $8,000 | |
| $120,000 | $9,600 |
🏠 Real Estate / Manufactured — Dual (EQ + TU)
| Limit | Dual (8%) | Add |
|---|---|---|
| $75,000 | $6,000 | |
| $100,000 | $8,000 | |
| $150,000 | $12,000 |
Posting Schedule & Limited Availability
TransUnion: Special upload on December 5, 2025; reports within ~7 business days after upload.
Equifax and Experian: Not available for this cycle. We are not accepting any Equifax orders and have no Experian tradelines at this time.
⚠️ Limited Availability: This is a limited-time upload with limited TransUnion spots. Once this cycle is full, new orders roll to a future upload.
Proof of Performance — Verified Tradeline Postings
Real proof from client files showing successful tradeline reporting and bureau updates.
Meet the Bradfords — The Vision Behind TBM
Bill Bradford — Co-Founder & Credit Strategist. Over a decade helping clients and partners add backdated, primary tradelines that improve approvals.
Maisha Bradford — Co-Founder & Operations Director. Oversees furnishing, compliance, and on-time posting.
Together they built The Bradford Method to deliver reliable, ethical, and repeatable outcomes.
Frequently Asked Questions
The Bradford Method
Backdated Personal Tradelines • Built for Approvals
Tired of Getting Denied?
Thin credit files cause denials. We add backdated, primary tradelines reporting to TransUnion only — with limited spots available for this cycle. No CPNs accepted.
⚠️ IMPORTANT: We are only accepting TransUnion orders. Equifax orders are not being accepted and Experian is not available at this time.
Most People Can’t Get Approved Because Their File Is Too Thin
Lenders look for age, limits, and payment history. Credit repair alone rarely adds these. Our tradelines are primary, backdated 3+ years, and appear directly on your file — so you can qualify with confidence.
How It Works
1️⃣ Select
Choose your individual tradeline — available in Revolving, Auto, or Installment.
2️⃣ Add to Cart
Click Pay with Zelle on your choice. Your picks appear in the Cart Summary below.
3️⃣ Submit Before Deadline
Deadline is today for this current TransUnion-only cycle.
4️⃣ Reporting
TransUnion reports in 7–14 business days and remains on file for 30 business days.
Individual Tradelines
⚠️ We are only accepting TransUnion orders. Equifax and Experian are not available for this cycle.
Backdated 3+ Years · TransUnion reports in 7–14 business days · Tradelines report for 30 business days only.
💳 Revolving Tradelines
| Limit | TransUnion (6%) | Add |
|---|---|---|
| $25,000 | $1,500 | |
| $50,000 | $3,000 |
🧾 Installment Tradelines
| Limit | TransUnion (6%) | Add |
|---|---|---|
| $25,000 | $1,500 | |
| $50,000 | $3,000 |
🚗 Auto Tradelines
| Limit | TransUnion (6%) | Add |
|---|---|---|
| $25,000 | $1,500 | |
| $50,000 | $3,000 |
Posting Schedule & Limited Availability
TransUnion: Reports within 7–14 business days.
Reporting duration: Each tradeline reports for 30 business days only.
Equifax and Experian: Not available for this cycle.
⚠️ Deadline: Today. Limited TransUnion spots available on a first come, first served basis.
Proof of Performance — Verified Tradeline Postings
Real proof from client files showing successful tradeline reporting and bureau updates.
Meet the Bradfords — The Vision Behind TBM
Bill Bradford — Co-Founder & Credit Strategist. Over a decade helping clients and partners add backdated, primary tradelines that improve approvals.
Maisha Bradford — Co-Founder & Operations Director. Oversees furnishing, compliance, and on-time posting.
Together they built The Bradford Method to deliver reliable, ethical, and repeatable outcomes.