What an authorized user tradeline actually is.

Banks let cardholders add another person — an “authorized user” — to an existing credit card. When they do, the account’s history (age, limit, payment history) typically gets reported on the authorized user’s credit file too, though reporting is not guaranteed. We connect you with cardholders who have agreed to add you as an authorized user on a seasoned account.

• The account’s opening date — its full age, not the date you were added.
• The current credit limit.
• The account’s payment history as the issuer reports it, for the full life of the account.
• Your status as an authorized user (lenders can typically see this designation).

• You don’t get a card or have access to the account.
• You don’t become liable for charges on the account.
• The cardholder never learns anything about you beyond what the bank’s authorized-user form requires — your name and address, and, only once your 3-business-day cancellation period has ended, your date of birth and Social Security number, released behind multi-factor authentication and logged every time.
• It’s not a loan, a line of credit, or a new account opening on your file.

Once you sign and pay and your 3-business-day cancellation period has closed, we submit the authorized user request to the issuing bank. The history posts to your credit report 7–10 days after the cardholder’s statement date. We give a window because the exact day depends on when the cardholder’s billing cycle closes — that’s when banks report to the bureaus.

Posting guarantee. If a tradeline hasn’t posted to at least one nationwide credit bureau within 45 days of our submitting its authorized-user request, we replace it with a comparable tradeline at no extra cost. If the replacement doesn’t post either, you choose another replacement or a refund for that tradeline. Each tradeline in your order is covered separately. It doesn’t cover a failure caused by inaccurate details you gave us, or by a freeze, fraud alert, or other credit-file issue on your side that you haven’t resolved after we’ve told you about it.

1. Pick a tradeline

   Browse our live marketplace. Each card shows the bank, account age, credit limit, and how many spots are still open. No hidden inventory, no bait-and-switch.

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2. Sign before you pay

   Review and sign a plain-English agreement that spells out the timeline, what posts to your report, and our refund policy.

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3. Posts after the cardholder’s statement date

   Once payment confirms and your 3-business-day cancellation period closes, you’re added as an authorized user. The history typically posts 7–10 days after the cardholder’s statement date. You’ll see status updates in your client portal the whole way.

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Start with the credit monitoring service you already use, if you have one: open your credit report there and save or print it to PDF. If you don't use one, federal law gives you the right to a free copy of your credit report from each nationwide credit reporting agency, through the site the law set up for it: annualcreditreport.com (opens in a new tab). Either way, come back and drop the PDF on the panel. We are not affiliated with any credit monitoring service or with that site, and we receive nothing if you use them. If you would rather not get a report, the questions door works the same way — you type your credit details instead of supplying a document.

• A written contract before any payment

  You have a right to receive a written contract that describes the services we provide, the total cost, the timeline, and the company’s name and address. We never collect payment before you sign that contract.

• A separate Consumer Credit File Rights disclosure

  Federal law (15 U.S.C. §1679c(a)) requires us to give you a separate document — not buried inside the contract — that explains your rights. You sign and date it before the contract. We retain a copy.

• A 3-business-day right to cancel

  After you sign the contract, you have 3 business days to cancel for any reason and receive a full refund. Texas law adds the same right under the Texas Credit Services Organization Act.

• Honest descriptions of the service

  Credit-services companies cannot promise a specific score increase, guarantee credit-application outcomes, or misrepresent what the service does. If anyone in this industry promises you a number, that promise is unlawful.

• Free dispute rights with the credit bureaus

  If anything inaccurate appears on your credit report, federal law gives you the right to dispute it directly with the credit bureau at no cost. You do not need to pay a third party to do that.

• The right to sue if these protections are violated

  The Credit Repair Organizations Act allows consumers to recover actual damages, statutory damages, attorney’s fees, and (in some cases) punitive damages from a credit-services company that violates the Act.

Full disclosures, including the verbatim §1679c(a) text, are delivered at checkout before any agreement is signed.