Get added to aged credit card accounts with years of clean payment history. Posts to your personal credit report in 10 to 14 days. Guaranteed 60-day placement. Your score moves fast.
View Inventory and Get StartedFour steps. Score moves in under two weeks.
Browse the inventory below. Pick the card, limit, and age that fits your credit goals and budget.
Fill out the inquiry form with your details. We confirm availability and send payment options same day during business hours (Mon-Fri), or within 24 hours on weekends.
Once payment is confirmed, we add you to the account as an authorized user. You will receive verification.
The tradeline posts to 2 of 3 bureaus within 10 to 14 days from the statement date. Check your credit report after day 10.
Real credit card accounts with clean payment history. You get added as an authorized user.
Inventory updates regularly. Availability is first come, first served. Prices are subject to change.
| Card | Limit | Age | Statement Date | Price |
|---|---|---|---|---|
| Capital One (3 spots) | $500 | 2020 | 26th | $250 |
| NFCU SALE | $44K | Aug 2021 | 14th | $1,000 $600 |
| American Express | $15K | — | 23rd | $500 |
| Discover SALE (2 spots) | $21K | 2002 | 5th | $1,600 $800 |
| Citi Diamond Preferred | $2K | May 2022 | 23rd | SOLD OUT |
| Capital One Quicksilver | $4,300 | May 2022 | 17th | SOLD OUT |
| Amex Blue Cash Preferred | $8K | — | 11th | SOLD OUT |
| Card | Limit | Age | Statement Date | Price |
|---|---|---|---|---|
| Citi | $1.3K | 2023 | 30th | $640 |
| Chase | $2K | 2018 | 20th | $695 |
| Capital One | $2.6K | 2022 | 20th | $695 |
| Citi | $4.3K | 2021 | 23rd | $695 |
| Citi | $3.6K | 2018 | 20th | $760 |
| Capital One | $5K | 2022 | 20th | $760 |
| Wells Fargo | $15K | 2024 | 21st | $770 |
| Wells Fargo | $16K | 2024 | 24th | $770 |
| Capital One | $5K | 2020 | 23rd | $770 |
| Citi | $5.8K | 2017 | 20th | $800 |
| Chase | $8K | 2017 | 23rd | $800 |
| Citi | $6.6K | 2016 | 24th | $800 |
| Amex | $30K | — | 20th | $820 |
| Wells Fargo | $12.5K | 2019 | 20th | $820 |
| Capital One | $20K | 2024 | 24th | $820 |
| Citi | $16K | 2017 | 20th | $845 |
| Citi | $30K | 2019 | 24th | $1,010 |
| Discover | $23K | 3 yrs | 12th | $1,020 |
| Amex | $75K | — | 24th | $1,060 |
| NFCU | $30K | 3 yrs | 22nd | $1,095 |
| Card | Limit | Age | Statement Date | Price |
|---|---|---|---|---|
| Discover | $27.5K | 6 yrs 8 mo | — | $1,295 |
| Discover | $30K | 2 yrs 8 mo | 22nd | $1,295 |
| Citibank | $3.5K | 18 yrs | 6th | $1,350 |
| Discover | $13.8K | 25 yrs | 23rd | $1,375 |
| Discover | $8K | 24 yrs | 17th | $1,385 |
| Bank of America | $3.5K | 27 yrs | 10th | $1,395 |
| Discover | $2K | 26 yrs | 4th | $1,395 |
| NFCU | $50K | 3 yrs 3 mo | 5th | $1,420 |
| Discover | $2K | 27 yrs | 4th | $1,430 |
| Citibank | $10K | 26 yrs | 14th | $1,450 |
| Discover | $14.5K | 29 yrs | 25th | $1,490 |
| Discover | $13.7K | 34 yrs | 14th | $1,530 |
| Discover | $14.5K | 36 yrs | 14th | $1,695 |
Want 2 or more tradelines? Let us know and we can bundle pricing.
Not authorized user lines. These are permanent accounts on your personal credit report.
Reports to Equifax as an open account. Backdated 3 years. Only 3 payments remaining. Permanent.
Deadlines: 9th and 24th of each month
Reports to Equifax as an open account. Backdated 3 years. Only 3 payments remaining. Permanent.
Deadlines: 6th and 21st of each month
Important details before you order.
Authorized user tradelines are designed to boost and enhance your credit score. If you currently have negative accounts on your report like collections, charge-offs, repos, late payments, or other derogatory items, adding a tradeline will improve your score, but it usually does not improve your approval odds.
Lenders look at your full credit profile, not just your score. If you still have negative items reporting, your score will go up, but you may not get approved for the cards, loans, or accounts you want.
Our recommendation: Clean up your credit report first, then add tradelines to maximize your results. If you need help removing negative items, schedule a free consultation with our credit repair team.
Everything you need to know. If your question is not here, call us at (844) 689-0199.
An authorized user tradeline is when you get added to someone else's credit card account as an authorized user. Their payment history, credit limit, and account age appear on your credit report. You do not receive a physical card or access to the account. You simply inherit the positive credit data.
Most tradelines post within 10 to 14 days from the statement date. Once it posts, your credit score can update within one reporting cycle. The exact impact depends on your current credit profile, but many people see noticeable movement within 2 to 3 weeks.
AU tradelines are guaranteed for 60 days. After that, you will be removed from the account and the tradeline will eventually fall off your report. Primary installment and auto tradelines are permanent and stay on your report as long as the account is open.
AU tradelines post to 2 of the 3 major credit bureaus (TransUnion, Equifax, and Experian). Which 2 depends on where the card issuer reports. Primary installment and auto tradelines report specifically to Equifax.
An AU tradeline adds you to someone else's account temporarily. It is faster and cheaper but only lasts 60 days. A Primary tradeline is an account opened in your name. It is permanent, reports to Equifax with 3 years of backdated history, and counts as your own credit. Primary tradelines carry more weight with lenders.
If the tradeline has not posted 30 days after the statement date, reach out immediately. We may need to force the account to post. If it still has not posted 60 days after the statement date, you are eligible for a full refund. You will need a working 3-bureau credit monitoring login (not Credit Karma) so we can verify non-posting.
Yes. Adding someone as an authorized user to a credit card is completely legal. Banks allow it. Credit bureaus report it. It is a standard banking feature that has existed for decades. Many parents add their children as authorized users to help them build credit. This is the same concept.
Yes. Multiple tradelines can have a bigger impact on your credit profile. More positive data points, higher total available credit, and a longer average account age all work in your favor. Let us know if you want to bundle and we can discuss pricing.
Fill out the form below. We confirm availability and send payment options same day during business hours (Mon-Fri), or within 24 hours on weekends.
Tradelines work best on a clean report. Let us remove the negative items first, then boost your score with tradelines for maximum results.
Schedule a Free Credit Repair Consultation(844) 689-0199 · No obligation. No commitment.