Get added to high-limit, aged credit card accounts and watch your score jump — no hard inquiry, no new application, no waiting years to build history.
When you're added as an authorized user, the account's full history appears on your credit report — instantly improving your profile.
Fill out our short application form. We review your current credit profile and match you with the right tradelines.
We add you to high-limit, aged accounts with perfect payment history. The account posts to your report within 1–2 billing cycles.
Your score increases as the positive history, high limits, and age are factored into your credit profile across all 3 bureaus.
An authorized user tradeline is when someone adds you to their existing credit card account as an authorized user. Their account history — including the age, limit, and payment history — then appears on your credit report, boosting your score.
Yes. Being added as an authorized user is a completely legal and widely used credit-building strategy. It's the same thing parents do when they add their children to their credit cards.
Most clients see score increases within 30–45 days after the tradeline posts to their report. The exact increase depends on your current credit profile.
No. You are added as an authorized user for the purpose of the credit boost only. You do not receive a card or have access to the account.
Results vary based on your current profile. Clients with thin files or low scores typically see the largest jumps — sometimes 50–100+ points.
Apply for authorized user tradelines today and see results in as little as 30 days.