Add age, limit, and positive history to your credit.
An authorized user tradeline places an established, well-managed credit card on your report, adding credit age and available credit that can lower your utilization. Browse what's available, see how it could affect your profile, and request yours online.
Someone else's good history, reported on your file.
You're added as an authorized user on a seasoned credit card in good standing. When the card issuer reports to the bureaus, that account can appear on your report with its age, limit, and payment history. Its limit adds to your available credit, which can lower your overall utilization.
Years of on-time payments and a high limit with low use
No card, no access, no spending, no liability for the balance
Usually within one to two statement cycles after the reporting date
Older average credit age
A seasoned account can raise the average age of your accounts, a factor many scoring models weigh.
Lower utilization
A high limit with a low balance adds available credit, which can lower your overall utilization ratio.
Positive payment history
A record of on-time payments adds a positive account to your file, especially helpful for thin files.
Earn money from your good credit.
Your on-time payment history has value. If you have a seasoned credit card with a strong history and a low balance, you can add authorized users to it and get paid for each spot.
- Get paid for each authorized user spot you add
- Authorized users never receive your card, account number, or spending access
- You keep full control of your account at all times
- We handle matching, scheduling, and payment
See how a tradeline could change your numbers.
Enter your current credit cards and accounts to see how one tradeline could change your average account age and your credit card utilization.
This estimates two inputs to your score, not your score itself. Scoring models weigh many factors, and some lenders treat authorized user accounts differently.
Current inventory
Spots are limited and inventory changes often. Request a tradeline and we'll confirm availability before you pay.
How buying works
- Choose and request
Pick a tradeline above or tell us your goal and we'll recommend one.
- We confirm and send your agreement
We confirm the spot is available and send a written agreement and invoice.
- Share your details securely
After payment, we collect the details needed to add you through a secure channel. Never send your SSN or date of birth through this form.
- Watch it report
You're added before the account's reporting date. It usually appears within one to two statement cycles and stays for the period listed.
Tradeline questions
Will I get a card or be able to use the account?
No. You're added as an authorized user for reporting purposes only. You won't receive a card, account access, or spending ability, and you aren't responsible for the account's balance.
How long until it shows on my report?
Each tradeline has a reporting date, when the card issuer sends updates to the bureaus. Once you're added before that date, it typically appears within one to two statement cycles. Exact timing is up to the card issuer and the bureaus.
How much will my score go up?
No one can promise a specific increase. The effect depends on your existing file, how the account reports, and the scoring model used. Tradelines usually help most on thin files or files with high utilization or young accounts. Use the estimator above to see the inputs that may change.
Do all lenders count authorized user accounts?
Not always. Some lenders and some loan types, including certain mortgage underwriting, may discount or exclude authorized user accounts. Ask us how a tradeline fits the specific approval you're working toward.
Is buying a tradeline legal?
Yes. Adding authorized users is a normal feature of credit cards. What isn't legal is using tradelines with a fake or "new" identity, such as a CPN, or misrepresenting your credit on an application. ScoreMend never sells CPNs or credit identities.