A tradeline is any credit account that appears on your credit report. Authorized user tradelines allow you to be added to someone else’s credit card account, inheriting the positive payment history and credit limit of that account on your credit report.
When used strategically, tradelines can help establish credit history, improve credit utilization ratios, and boost credit scores—particularly for those with thin credit files or those rebuilding credit.
We connect you with reputable tradeline providers and help you select the right tradelines based on your specific credit goals, budget, and timeline.
Once a tradeline is purchased and you’re added as an authorized user, it typically takes 15-45 days to appear on your credit report, depending on the issuing bank’s reporting cycle. The tradeline usually remains on your report for 60-90 days.
When you become an authorized user on a credit card, the account’s history—including its age, credit limit, and payment history—may be reported to your credit file. This can positively impact factors like:
