Authorized user tradelines, explained.
An authorized user tradeline puts a seasoned, perfectly-paid credit card onto someone else's credit file — age, limit and payment history included. Users get a fast, legal score lift. Cardholders get paid every cycle for the slots they open. We run both sides of that exchange from Newport Beach, CA.
How an authorized user tradeline works
Cardholder or user — we look at limits, ages, utilization and goals before recommending a single slot.
Users are matched to a card whose age and limit actually move their score. Cardholders get a vetted, low-risk user.
The cardholder adds the user through their issuer in minutes. No card, number or access is ever shared.
The account posts on the next statement cycle. Users see the score change; cardholders get paid per slot, per cycle.
If you need a tradeline
We match you to a card whose age and limit actually move your file — not whatever is available. Most clients are shopping for a 0% APR card, an auto loan, a mortgage pre-approval or business funding, so we time the placement to the application window instead of leaving it on your report indefinitely.
- Score impact estimate before you pay anything
- Placement timed to your application date
- Paired with dispute work when negatives are dragging the file
If you have the credit
Our credit reseller program pays you per authorized user slot, per reporting cycle. You add the user through your own issuer, keep the physical card, and can remove them at any time. Multiple qualifying cards multiply the monthly income.
Per card. Higher limits earn materially more per slot.
Older accounts carry more score weight — and pay more.
No lates, charge-offs or collections on the enrolled card.
Keep the balance low while the account is enrolled.
Authorized user tradeline FAQ
What is an authorized user tradeline?
An authorized user tradeline is a credit card account that a primary cardholder adds another person to as an authorized user. Most issuers report the account's full history — limit, age, payment record and utilization — to the authorized user's credit file, so a seasoned, low-utilization card can lift a thin or damaged file quickly.
Are authorized user tradelines legal?
Yes. Authorized user reporting is expressly permitted under the Equal Credit Opportunity Act and Regulation B. It is the same mechanism a parent uses to help a child build credit; we simply organize it, vet both sides, and compensate the cardholder.
How much does an authorized user tradeline raise a credit score?
It depends on the file. Thin files with few accounts typically see the largest movement, often 40 to 150 points in one reporting cycle, because the tradeline adds age, available limit and a perfect payment record at once. Files with recent lates, collections or high utilization see less until those items are addressed.
How long does it take to report?
Most cards report to the bureaus on the statement date, so a tradeline usually appears within one full billing cycle — roughly 10 to 30 days after the user is added.
How much do cardholders get paid per authorized user slot?
Payouts scale with limit and account age. A $5,000 card with two years of history typically pays $75 to $150 per slot per cycle, while a $50,000 card with 15+ years can pay $700 to $1,200 or more. Most issuers allow two to five authorized users per card.
Can the authorized user spend on my card?
No. No card is ever mailed to the authorized user, and they never receive your card number, CVV, PIN or online access. You keep the physical card and full account control the entire time.
Score movement varies by credit profile. Tradelines are not a substitute for removing inaccurate negative items or paying accounts on time, and reseller income may be taxable — consult your CPA.
Not sure which side you're on?
Tell us your goal and we'll tell you whether a tradeline, a reseller slot, or dispute work gets you there fastest — free, no credit pull.