Tradelines Made Easy.
*Guaranteed, or your money back:
Post to at least
2 credit bureaus
Will remain open
for 2 months
At or below
15% utilization
The honest read
What it actually is
You're added as an authorized user on someone else's established credit card — you don't get a card or access to the account, but that account's age and payment history can show up on your own credit file.
What it can help with
Length of credit history (~15% of a FICO score) and utilization (~30%) are the two factors a strong, seasoned tradeline can move — especially useful for a thin file with little history of its own.
The honest caveat
Newer scoring models (FICO 9/10, VantageScore 3.0+) and many mortgage lenders discount or exclude authorized-user tradelines specifically because of this practice. It can help — it isn't a guaranteed or universal fix.
Free option first
If you have a family member with a long-standing, low-utilization card, ask them to add you as an authorized user directly — it costs nothing and works the same way.
Card ID
AMEX-01
Credit Limit
$11,000.00
Age
4yrs 1mo
Purchase Deadline
Oct 14th
Total Price
$350.00
AMERICAN EXPRESS
4 yrs 1 mo history · reports on the 17th
Card ID
AMEX-02
Credit Limit
$11,000.00
Age
4yrs 1mo
Purchase Deadline
Oct 14th
Total Price
$350.00
AMERICAN EXPRESS
4 yrs 1 mo history · reports on the 17th
Card ID
AMEX-03
Credit Limit
$11,000.00
Age
4yrs 1mo
Purchase Deadline
Oct 14th
Total Price
$350.00
AMERICAN EXPRESS
4 yrs 1 mo history · reports on the 17th
Card ID
AMEX-04
Credit Limit
$11,000.00
Age
4yrs 1mo
Purchase Deadline
Oct 14th
Total Price
$350.00
AMERICAN EXPRESS
4 yrs 1 mo history · reports on the 17th
Card ID
CITI-01
Credit Limit
$13,500.00
Age
9yrs
Purchase Deadline
—
Total Price
$400.00
CITIBANK
9 yrs history
Card ID
CITI-02
Credit Limit
$13,500.00
Age
9yrs
Purchase Deadline
—
Total Price
$400.00
CITIBANK
9 yrs history
Card ID
CITI-03
Credit Limit
$13,500.00
Age
9yrs
Purchase Deadline
—
Total Price
$400.00
CITIBANK
9 yrs history
Card ID
CITI-04
Credit Limit
$13,500.00
Age
9yrs
Purchase Deadline
—
Total Price
$400.00
CITIBANK
9 yrs history
No cost to ask — we'll walk you through it.