An Authorized User (AU) Tradeline is a credit account (typically a credit card) where the primary account holder adds another person as an authorized user. The authorized user benefits from the account's history, which can help improve their credit score.

When added to a tradeline with a positive payment history, low utilization, and a long credit history, the account's information is reported to your credit profile. This can help:

Increase your credit age

Lower your credit utilization ratio

Improve your credit mix and payment history

No. As an authorized user, you are added to the account for credit-building purposes only. You will not receive the physical card or have any spending privileges.

Typically, AU tradelines remain on your credit report for 30 to 60 days after being removed. Some may last longer, but it varies depending on the credit card issuer and reporting agencies

Most AU tradelines post to your credit report within 15 to 30 days, depending on the credit card’s billing cycle and the credit bureaus’ reporting schedules.

No. While AU tradelines can improve your credit score, the impact depends on factors such as your existing credit history, negative accounts, and overall credit profile.

AU tradelines can boost your credit profile, but lenders often require primary tradelines (credit accounts in your name). Some lenders do not consider AU tradelines when evaluating loan applications.

In rare cases, a tradeline may not report due to mismatched personal information (e.g., name, address, or date of birth). If this happens, we will work with the cardholder to verify the details and, if necessary, replace the tradeline.

Yes, you can request removal at any time. Once removed, the tradeline will eventually drop off your credit report.

Consider these factors:

Age of the tradeline (Older accounts are more valuable)

Credit limit (Higher limits help with utilization)

Payment history (No late payments or delinquencies)

Utilization rate (Ideally below 10%)

Yes, adding an authorized user is completely legal and a common practice. However, some lenders may have policies limiting the weight of AU accounts in credit decisions.

No. AU tradelines are for personal credit reports and do not contribute to building business credit.

If the primary account holder misses a payment, it could negatively impact your credit.

Some lenders may not factor AU tradelines into credit decisions.

If your personal credit profile is heavily negative, an AU tradeline alone may not help.

No. AU tradelines are most effective for individuals with limited credit history or minor credit issues. If you have severe negative items (like bankruptcies or charge-offs), other credit repair strategies may be needed.

Sign Up For Free Credit Report today will find the best AU tradeline for your situation. We’ll guide you through the process and ensure you select the right option for maximum impact on your credit profile.