Authorized User Tradeline Company
How Authorized User Tradelines Work
If you’ve struggled to build your credit in the past, being told there may be a faster way to do it probably has your attention — and possibly a few questions.
Here’s what we do: we offer authorized user tradelines. We add you as an authorized user to an established credit card account with a strong payment history and low utilization.
Once you are added as an authorized user and the tradeline reports to the credit bureaus, the account information appears on your credit report and becomes part of your credit profile.
It’s important to note that tradelines may not benefit every credit profile. If your report has recent collections, charge-offs or late payments, a tradeline may not be a good fit for you.
Not sure whether tradelines are right for your credit profile? We offer a free consultation before you purchase.
What Is an Authorized User Tradeline?
An authorized user tradeline is a credit card account on which another person is added as an authorized user. When the account reports to the credit bureaus, information such as the account age, credit limit, payment history and balance may be included on the authorized user’s credit report.
Established credit tradelines can add account history to a credit profile, but the effect depends on the rest of the individual credit report. A tradeline does not erase negative information or guarantee a particular credit score.
Choosing an Authorized User Tradeline Company
Choosing a tradeline company should involve more than simply comparing credit limits. Account age, utilization, reporting dates and the condition of your existing credit profile can all matter when evaluating authorized user tradeline services.
Improve My Credit Fitness provides information to help customers understand how authorized user tradelines work and what to consider before purchasing. If you’re unsure whether a tradeline is appropriate for your credit profile, we also offer a free consultation before you purchase.
Compare Available Authorized User Tradelines
When you are ready to compare options, our current inventory shows available tradelines with details such as account age, credit limit, reporting dates and pricing.
Money Back Guarantee
We guarantee the tradeline(s) you lease from us will:
1 – Appear in your credit report in less than 60 days from the First Estimated Monthly Reporting Date for each tradeline you are added to as an Authorized User
2 – Remain on your credit report for the 60 day lease period
3 – Show on at least two of your three credit reports
If the tradeline does not appear within the 60 days time frame, we will – within 14 calendar days – provide you with a full refund of the money you paid for the tradeline you purchased.
Authorized User Tradeline FAQs
Do authorized user tradelines work for every credit profile?
No. The potential benefit depends on the overall credit profile. Recent collections, charge-offs or late payments may make a tradeline a poor fit.
How long does an authorized user stay on a tradeline?
Our authorized users remain on the account for two statement cycles, approximately 60 days.
Do tradelines remove negative items from a credit report?
No. Adding an authorized user tradeline does not remove collections, late payments, charge-offs or other negative information already on a credit report.
Can I see available tradelines before purchasing?
Yes. Our tradeline packages page lists current options and relevant account details so you can compare availability before purchasing.
Location
500 S Federal Hwy Suite 421
Hallandale Beach, FL 33008
English (800) 827-3915
Info@ImproveMyCreditFitness.com
Monday – Friday 10am – 7pm EST
