Add positive history to your credit profile
Authorized user tradelines add established, positive payment history to your credit report. We explain how it works, what it can and can't do, and help you find a fit that makes sense for your situation.
At a glance
- Who it's for
- People with thin credit files or looking to add positive history alongside other credit work.
- What it costs
- Quoted after a consultation, depends on the tradeline and age of the account.
- How long it takes
- Typically reflects on your report within one to two billing cycles.
What a tradeline actually is
A tradeline is any account on your credit report — a credit card, loan, or line of credit. An authorized user tradeline means you're added to someone else's established account, and that account's history, on-time payments, low utilization, account age, begins appearing on your report too.
It doesn't erase anything already on your file, and it isn't a fix for negative items. It's an addition, positive history layered alongside whatever else is already there.
Because of that, it tends to work best as one piece of a broader plan, not a standalone solution. We'll tell you plainly whether it makes sense for what you're trying to reach.
Not a fix for negative items
If your file has accurate negative marks, a tradeline sits alongside them, it doesn't remove or outweigh them by itself. If disputing inaccurate items is what you actually need, our credit repair service is the right starting point.
What we can do, and what we can't
Tradelines have a specific, limited role. Here's where that role starts and ends.
What we can do
- Explain how authorized user tradelines work and whether they fit your situation
- Help you access established, seasoned tradelines with a track record of reporting
- Coordinate the add and confirm it's reporting to the bureaus correctly
- Explain how this fits alongside other services like credit repair or funding
What we can't do
- Remove or offset accurate negative information already on your report
- Guarantee a specific score increase — impact varies by file and bureau
- Guarantee approval for any loan or credit product
- Promise how quickly or whether a bureau will report the addition
How it works
Straightforward, and we'll tell you upfront if it's not the right fit.
Consultation
We look at your file and talk through whether a tradeline actually helps your goal.
Selection
We match you with an appropriate tradeline based on age, limit and reporting history.
Added
You're added as an authorized user and we confirm the account is set to report.
Confirmed reporting
We follow up to confirm it's showing correctly on your credit report.
Talk to us about tradelines
Tell us a bit about your situation. Your representative will follow up to see if this is a fit.
- No charge and no obligation for the first conversation
- We'll tell you if this isn't the right fit for your goal
The things people ask first
Being added as an authorized user doesn't typically affect the primary account holder's credit, since it's your credit report that gains the new tradeline, not theirs that's changed by adding you.
We can't promise a number, impact depends on your existing file, the tradeline itself, and how the bureaus weigh it. We'll be upfront about what's realistic during the consultation.
No. Tradelines add positive history, credit repair addresses inaccurate items already on your report. They're often used together, but they solve different problems.
Yes, authorized user status is a standard, legal credit practice. We only work with legitimate, seasoned accounts, not manufactured or synthetic credit schemes.
See if a tradeline fits your file
A short conversation tells you whether this is worth pursuing.