authorized user tradelines information

Authorized user tradelines FAQs

Introduction

Authorized user tradelines are simple in theory (you add individuals as authorized users to credit cards in good standing and their credit scores increase). However, the practice of piggybacking authorized user tradelines becomes more complicated when it is applied to the unique nature of individual credit reports. As such, we dedicated this page to explaining the process and answering the most common questions concerning authorized user tradelines.

The FAQs

What are tradelines?

Trade lines are a great tool to use, but they promote a lot of questions. This is a great FAQs page to visit prior to diving into some of the more complicated areas of trade lines. If you have any other questions, please see other categories of trade lines to the right of this text or contact us. According to experian.com a trade line is an entry by a credit grantor to a consumer’s credit history maintained by a credit reporting agency. A tradeline describes the consumer’s account status and activity. Tradeline information includes names of companies where the applicant has accounts, dates accounts were opened, credit limits, types of accounts, balances owed and payment histories.

Authorized user tradelines mean only one thing: credit card revolving accounts onto which an individual is added as an authorized user. “Tradelines” are the accounts listed in a credit report, such as mortgages, auto loans, credit cards, etc. An “authorized user” is a person which is given access to the account as a user, but who is not responsible for balance. While this is the definition, the term “authorized user tradelines” has become synonymous with a credit enhancement technique where people – like you – can pay to be added as an authorized user for the sole purpose of having the history associated with that account appear on the authorized user’s account. This – if the account is in good standing – can drastically improve the authorized user’s credit standing.

What are authorized user tradelines?

Authorized user tradelines are typically revolving lines of credit on which someone places another as an authorized user account holder. The tradeline then appears on the users credit report. It is called an “authorized user,” because the person added is merely authorized to use the credit card, but has no obligation of repayment. In addition, the authorized user inherits, so to speak, the previous payment history and characteristics of the account established by the primary card holder. This is why credit scores can increase when a person is added as an authorized user to an account in good standing (and why credit scores can decrease if that same person is added to an account in bad standing).

How long do authorized user tradelines take to post or report?

I never understood how companies can claim to have lines report within a specific time… on the basis of fact, that makes no sense. The truth is, each tradelines reports once per month. So, if you order a tradeline on the 1st and it reports on the 20th, that tradeline is going to post in 20 days. The only time takes longer to post is in the scenario that you order a tradeline too close to the report date and you have to wait until the next reporting cycle (1 months plus a few days, give or take). So, if you order a tradeline, it should be on your report within 30 days, tops. If the tradelines does not post within 30 days, then the company either dropped the ball or there is something wrong with your credit report (security freezes, fraud alerts, etc.).

Do authorized user tradeliens (still) work (in 2017)?

Yes, despite all the propaganda about FICO 08, credit bureaus, etc., authorized user tradelines still work and we do this every single day. We wrote here about whether or not tradelines still work, and here about the myths surrounding FICO 08. You can read about tradelines all day long and your head will spin with all the different opinions out there. The best way to determine if it works is to buy a tradeline and find out yourself. What if it does not and you lose money? We have a $10,000.00 surety bond and a trust account… if the tradelines do not post, you get your money back of file a claim against our bond… no other company in the Country offers this kind of guarantee.

What are some reasons authorized user tradelines do not post?

What are some of the reasons authorized user tradelines do not post?’]Authorized user tradelines are tricky, which, by the way, makes it is worth it to purchase them from an experienced company in this field, like Superior Tradelines, LLC. There are many reasons authorized user tradelines do not report to credit bureaus, which include the bank of the tradelines, the type of credit line at the bank, whether or not the primary user and authorized user share the same name or the same address, etc. There are many more reasons why they tradelines refuse to post on an authorized users credit report, and we have yet to encounter a scenario in which we were unable to get the tradeline to post correctly. Call us for more details.

Images of Authorized User Tradelines

18 thoughts on “Authorized User Tradelines Frequently Asked Quesitons”

    1. Hey Calvin. Please give us a call at 800-431-4741, email us at info@superiortradelines.com or register for free at https://superiortradelines.com/start/

      Discussing tradelines options, pricing, etc., is very easy from there. Authorized user tradelines are for sale, daily. So, for example, there are deals right now which you can ask about. View https://superiortradelines.com/specials/ for more details, but don’t forget to ask about these special pricings when you hop on the phone with us.

  1. I need to get a loan for 12000 but my credit score is between 575 and 603. I want to know how can trade lines increase my credit score in s month to get a loan.

    1. Possibly. But, a full answer requires more information than you provided. For example, what score do you need to get approved? Supposed we boosted your score with authorized user tradelines to (hypothetical for the same of discussion) 850… do you otherwise qualify for the loan (income, purposes, no significant collections or charge off accounts, etc)? Also, your credit scores could be 575 to 603 for many different reasons (limited credit to bad credit). We may be able to help under certain circumstances and may no be able to help under other circumstances. So, yes, authorized user tradelines will increase your score, but… the real important question is whether or not it will help achieve your goals. To answer that question, we’d need to do a (free) credit report analysis.

      Just give us a call anytime at 800-431-4741 or email us at info@superiortradelines.com Also, you can get access to the members portal (for free) at https://superiortradelines.com/start/

      Thanks!

  2. Hi, I would like to purchase a home within the next 6 months. I need help with boosting my credit score. I am interested in learning more about adding trade lines.

    1. Mignon,

      You’ve certainly come to the right place. As you can we, we write non-stop about authorized user tradelines. “Competitors” steal our content, constantly. But, what’s easier than reading hundreds of pages about tradelines is hoping on the phone with us. We can answer your questions, directly, within minutes rather than indirectly searching hours online. You can call us at 800-431-4741 or email us at info@superiortradelines.com

      To answer your question: It depends on what’s in your credit report. Tradelines may or may not help. The good news is that you’re 6 months out from your credit goal. So, whether you need credit repair or tradelines, you have plenty of time to get things going.

  3. What is the length of time a trade line is good for? Say if I purchase today is this purchase good for 3 months, 6, or 1 year?

  4. I want to get me a truck by December 2017 but my credit is at 440-468 coz of one charge off n 2 collections of which am paying off my collections already. I wanted a boost to 750 only thats all i can ask if its possible. I have one open account which is in good standing

    1. What’s good about your situation is that you have a good, a reasonable timeframe and you’re seeking advice. That’s a good combination. Given those scores, authorized user tradelines may not be an option. I believe you need credit repair first. Please check out https://credzu.com/ You can match your specific credit goals with credit services providers, like credit repair, debt settlement, etc.

  5. I am interested in using tradelines for a credit boost because I want to refi my truck next year. Right now, I have a credit school of 614 but I have a collection item on my account. Will this help?

    1. It depends on the age of the collections, if they’re actively reporting, how large the collection debt is, the origins of the debt (medical, student loans, credit cards, car loans, etc.). So, it depends on a lot of things, which requires a credit report analysis to determine. My gut says, no, it’s not going to work. I think you’d be better off doing credit repair, especially since you have time before you need to refi. Tradelines will work after credit repair, as well.

  6. Hey does income have to match trade line? Let’s say I have a 50000 trade line, does my income have to match it?

    1. That’s an interesting question! The answer is, “no.” However, a $50,000.00 tradeline may look out of place and could get flagged as “authorized user abuse.” So, there’s not exact formula, but it should probably make sense. Moreover, keep in mind that you don’t need a $50,000.00 line to get the largest impact from tradelines. For example, suppose a $10,000.00 line got you 35 points, whereas a $20,000.00 got you 40 points, whereas a $40,000.00 line got you 43 points. This isn’t exact, but the concept of diminishing returns DOES, in fact, apply. So, you should get a credit report analysis and we can help you determine the best, most cost effective, tradelines for your goals.

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