Frequently Asked Questions

Anyone who wants to improve their credit profile can benefit. This includes people with thin credit files, those who have completed credit repair and need to add positive history, and anyone preparing for a major purchase like a mortgage or auto loan.

We offer authorized user tradelines on seasoned credit card accounts with major lenders including Citibank, Discover, Chase, Capital One, U.S. Bank, Barclays, Navy Federal, and more. Each tradeline varies in credit limit, account age, and price.

Primary tradelines involve taking ownership of an existing credit account, which raises serious legal and ethical concerns. Authorized user tradelines are entirely legal, widely practiced, and explicitly recognized by the credit bureaus. We only deal in legal, compliant products.

Tradelines are especially effective for thin-file clients. Adding one or two seasoned accounts gives the bureaus something to evaluate, which can establish a scoreable credit profile where none existed before.

An authorized user tradeline means you are added to someone else's existing account. A primary tradeline means you are the original account holder. Authorized user accounts are legal and reportable to bureaus. Attempting to transfer or sell primary tradelines is illegal and can constitute fraud.

We focus on personal credit tradelines. Business credit operates on a separate reporting system (Dun & Bradstreet, Equifax Business, etc.). Contact us to discuss whether our services align with your business credit goals.

If a tradeline fails to post to at least 2 of the 3 major credit bureaus within 60 days of being added, you receive a full refund for that tradeline. This is our commitment to results.

Depending on how many cycles the tradeline is listed for — typically 2, 3, or 4 cycles — you will remain on that tradeline for that duration. After the listing period ends, the cardholder will remove you as an authorized user. The history may remain on your report for longer, but the account will eventually age off.

Tradelines typically appear on your credit report within 30 days of being added. In the best-case scenario — when the card's statement date falls very soon after you are added — we have seen tradelines post in as little as 2 weeks. Once the statement posts, the tradeline is reported to the bureaus and your profile updates accordingly. If you have a deadline such as a mortgage application, we recommend allowing 30–45 days to be safe.

In some cases, yes. Contact us to discuss extended cycle arrangements. Availability depends on the specific tradeline and cardholder.

Adding authorized user tradelines can strengthen several of the most important factors in your credit profile: the average age of accounts (the tradeline's existing history is folded into your profile), overall credit utilization (the added credit limit can lower your overall utilization ratio), and positive payment history (a perfectly-paying seasoned account contributes to your record). These are among the most heavily weighted components that credit bureaus use to assess creditworthiness.

Tradelines add positive history, which can offset some of the impact of negative marks. However, they do not remove negatives. For best results, we recommend combining tradelines with credit repair if you have active derogatory items.

No. We do not offer traditional credit repair services. Traditional credit repair involves disputing negative items on your credit report — a process that typically takes 30 to 90 days per round and may require multiple rounds to resolve. Our specialty is authorized user tradelines, which add positive history to your credit profile. For best results, we often recommend clients pursue credit repair alongside tradelines if they have active derogatory marks.

This depends on your current credit profile. During your free consultation, our team will analyze your report and recommend the right number and type of tradelines. Most clients see results with one to three lines.

Yes. The practice of becoming an authorized user is explicitly recognized in the Fair Credit Reporting Act and endorsed by the CFPB. It is the same mechanism parents use to help their children build credit. We operate within all applicable laws and guidelines.

Once removed, the account may remain on your report for a period of time before aging off. The positive payment history associated with the account during the cycle is what matters most for your score.

No. We do not work with Credit Privacy Numbers (CPNs) or any form of synthetic identity. Using a CPN to apply for credit is illegal and constitutes federal fraud. We only work with legitimate Social Security Numbers.

Yes. We collect your full legal name, address, and Social Security Number for the purpose of adding you to the authorized user accounts. This information is used solely for that purpose.

Client information is handled with strict confidentiality. We do not sell, share, or misuse personal data. Our data handling practices are described in full in our Privacy Policy.

We have been in business since 2013, have helped over 10,000 clients, and operate with full transparency. Our consultants take the time to understand your situation before recommending anything. We stand behind our work with a clear refund policy.