Premium Authorized User Tradelines

Build a Stronger Credit Profile

Looking to strengthen your credit profile? Adding an authorized user trade line can help increase the depth of your credit history, improve your available revolving credit, and enhance key factors that lenders review.

Our premium trade lines are carefully selected and maintained with excellent payment history and low utilization.

What’s Included

✔ Two (2) months of credit reporting

✔ Placement on a premium authorized user trade line

✔ Low balance with on-time monthly payments

✔ Established credit history

✔ Increased available revolving credit

✔ Reporting to participating credit bureaus (reporting timelines vary by issuer and bureau)

At the end of your two-month reporting period, you will automatically be removed from the trade line unless you choose to renew your placement.

What Is a Trade Line?

A trade line is a credit account that appears on your credit report. When you are added as an authorized user to an established credit card account, the account may be reported to your credit profile.

This allows you to benefit from the account’s positive characteristics, such as:

• Established payment history
• Age of the account
• Available revolving credit
• Low credit utilization

While trade lines can strengthen your overall credit profile, they do not guarantee a specific credit score increase, loan approval, or financing approval. Results vary based on your complete credit profile and the scoring model used by lenders.

Before You Purchase

Please note:

• Reporting timeframes vary by credit card issuer and each credit bureau.
• Most trade lines begin reporting within one to two billing cycles, but timing cannot be guaranteed.
• Individual results vary based on your existing credit profile.
• Authorized user trade lines are intended to strengthen your overall credit profile and should be used alongside responsible credit management.

If you have questions about which trade line best fits your goals, we’re happy to help you choose the right option before purchasing.

YOUR AGENT WILL SEND ALL INFO FOR EACH TRADELINE