If you’re looking into authorized user trade lines (sometimes called “seasoned trade lines”), chances are you’re trying to move forward in life.
Maybe you’re working on buying a home.
Maybe you’re starting fresh after a tough time, like a divorce.
Or maybe you’re just tired of feeling stuck because of credit.
Wherever you’re at, one question always comes up:
“If I spend money on trade lines, how much will my score go up?”
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Why This Question Is Complicated
Here’s the truth.
Nobody can legally guarantee you an exact number.
In fact, making promises like that can actually break the Credit Repair Organizations Act (CROA).
That’s why we’re careful not to say, “You’ll gain exactly X points.”
But here’s the good news:
We can share what our research shows.
What Our Study Found
We ran a study with over 800 people who added authorized user trade lines.
On average, their credit scores increased by 88 points.
That’s a big deal.
For some, it meant the difference between getting denied and getting approved.
For others, it meant qualifying for better rates — saving real money.
What Really Affects Your Results
Not all credit files are the same.
And that’s why results vary.
Here are the two biggest things to look at:
- Thin File
A thin file means you don’t have much on your credit report yet.
If you also don’t have many negatives, trade lines can make a big impact. - Thick File
A thick file means you already have lots of accounts.
If those accounts include late payments, collections, or other negatives, the impact from trade lines is usually smaller.
In short:
- Thin + Clean = Best results.
- Thick + Negative = Less effect.
So, How Much Will Your Score Go Up?
The honest answer is: It depends.
Your credit story is unique.
Your goals are personal.
And your results will be your own.
That’s why the smartest step isn’t guessing or hoping.
It’s talking to someone who can look at your actual credit profile and guide you.
A Word of Encouragement
If you’re reading this, you’re probably not in the easiest season of life.
Money stress, credit struggles, and big goals like buying a home can feel overwhelming.
But here’s the thing:
You’re not stuck.
Change is possible.
Trade lines are just one tool — but they can be a powerful one.
And paired with the right strategy, they can help you take that next step forward.
Bottom line:
Trade lines can raise scores — sometimes by a lot.
But the exact number depends on your credit history.
If you’re ready to explore what’s possible for you, reach out.
Let’s figure it out together.
Matias is a serial entrepreneur and CEO of many companies that help people. He owns Superior Tradelines, LLC, which is one of the oldest and most reliable tradeline companies in the country.
