Category - Authorized User

Does an “Authorized User” tradeline raise my score as much as if I had the credit in my name only? 

The answer to this depends on what is showing on your credit report. Give us a call to discuss it in detail during your free consultation.

How long has this type of credit sharing been going on?

Over 40 years! The Equal Credit Opportunity Act of 1974 which allows you to attach credit accounts to another person made this method of raising credit scores possible, and it has been used ever since.

Does this really work?

Absolutely! It works, and can very quickly raise credit scores substantially if you have the right credit profile. Read some of our testimonials.

How long does it take for an “Authorized User” tradeline to show up on my credit report?

Each tradeline reports once per month to the credit bureaus at the end of each billing cycle. Once you are added as an “Authorized User” to an account, the tradeline will post to your credit report a few days after the current billing cycle ends. This could be anywhere from 5 to 35 days. At, we assign tradelines based on purchase date and closing date, to minimize the amount of time it takes for our customers to see improved credit scores.

What is an “Authorized User” tradeline?

An “Authorized User” tradeline is a tradeline that is owned by one person who has added an additional person to the account. Once an “Authorized User” is added, the information about the account, including account age, payment history, and credit limit is reported to the credit bureaus for the “Authorized User“.

What is an “Authorized User”?

An authorized user is a person that has been granted the right or authority to use a line of credit. When we add you as an authorized user to one of our credit card tradelines you do not receive the physical card. However, the account balance, payment history, and credit limit are reported to the credit bureaus for the card holder and the authorized user.