AUTHORIZED USER TRADELINES

Boost Your Credit Score Fast with Authorized User Tradelines

Get access to high-limit, seasoned credit cards that can raise your credit scores in as little as 30 days

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What Are Authorized User Tradelines?

An Authorized User Tradeline is when you are added to an established credit card account with a perfect history. That account then appears on your credit report, helping to improve your credit profile.

AUTHORIZED USER TRADELINES

Why Choose Us?

Benefits of Authorized User Tradelines

Rapid Score Increase (sometimes 50-100 Points)

Authorized user tradelines can help raise your credit score quickly, sometimes within a single reporting cycle, making it easier to qualify for credit cards, loans, or major purchases.

Better Approval Odds for Credit Cards, Loans, and Mortgages

With higher scores and an enhanced profile, you’ll improve your chances of getting approved for mortgages, auto loans, business funding, and personal credit cards.

Access to Higher Credit Limits

Tradelines often come from cards with large credit limits, which lowers your credit utilization ratio—one of the fastest ways to strengthen your overall credit standing.

Who Should Use Tradelines?

•People with thin credit files.

•Those needing to qualify for mortgages, auto loans, or business funding.

•Anyone with decent credit but needing an extra boost.

•Individuals with derogatory items trying to offset negatives.

Authorized User Tradelines

How It Works (Step-by-Step)

Choose a Tradeline

Select from our list of high-limit, seasoned credit cards.

Get Added

You’re added as an authorized user by the cardholder.

Credit Boost

The tradeline reports to your credit file, raising your scores.

Credit Healing Results

What people are saying about Credit Healing

Authorized User Tradelines

New tradelines are added every month—come back often to secure the one that best fits your credit goals.

Edit
Inventory IDBank/LenderCredit Limit Date OpenedDays on Your Credit ReportPurchase ByCredit Report Appearance DatePriceAvailable for Purchase
SCR005 Discover$18,000 01-200090 09-21-2025 10-03-2025$1,325 1
DO003 Capital One$13,500 10-200790 09-22-2025 10-04-2025$1,125 1
AB005 Navy Fed$28,200 07-202290 09-22-2025 10-04-2025$725 1
SA001 Discover$23,700 03-200290 09-22-2025 10-04-2025$1,400 1
BL001 Discover$4,000 01-200990 09-23-2025 10-05-2025$1,000 1
TD001 Chase$8,000 01-200990 09-23-2025 10-05-2025$1,025 1
RS002 PNC$20,000 05-201990 09-23-2025 10-05-2025$775 1
DEG005 Discover$14,000 05-201790 09-16-2026 09-28-2026$775 1

Are You Ready to Boost Your Scores?

FAQs

Frequently Asked Questions

How long does it take to report?

Tradelines typically report to your credit file within 15–45 days, depending on the card issuer’s reporting cycle.

No. As an authorized user, you are added for credit reporting purposes only. You will not receive a card or have access to the account.

Most tradelines remain on your credit report for one to two reporting cycles (roughly 30–60 days). Some packages allow longer terms depending on your needs.

If your tradeline does not post to your credit file, we offer a full replacement or refund guarantee, depending on the situation. Our process is designed to ensure reporting accuracy.

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Disclaimer: Results vary based on individual credit profiles. Authorized user tradelines are not a substitute for responsible credit behavior. We do not guarantee specific score increases or loan approvals.