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.