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Authorized user trade lines are a powerful tool for achieving your financial goals. They can describe the status of your credit account, monitor the activities in your credit history and can even help you increase your credit score.

A tradeline gathers information by creating an entry to your credit history for the credit grantor. The information gathered includes the list of the companies related to your accounts, the dates in which your accounts were opened, the types of accounts that you have, the payment history of your accounts, the owed balances in your accounts, your credit limits and more. Basically, trade lines provide you a report of your account for you to achieve and maintain a good credit score.

Authorized user trade lines refer to the credit card account where you are added as the authorized user. A “tradeline” is the account listed in a credit report, such as credit cards, auto loans, mortgages, and others. An “authorized user”, on the other hand, is the person who has been given access to an account as a user. This person acting as a user, however, is not necessarily accountable for the balances in the said account.

The term “authorized user tradelines” refers to the credit enhancement technique that allows people to give payments to be added as an authorized user. This credit enhancement technique is commonly used to make the history of an account appear on the authorized user’s account. This technique is widely used as it can dramatically improve credit standing.


Authorized user trade lines are revolving credit lines where someone uses the account as an authorized user account holder. “Authorized user” is the term used as the person is merely an authorized person to use the credit card, not someone who has an obligation for the repayment. This will make the trade line appear on the user’s credit report.

In addition, the authorized user will inherit the characteristics as well as the previous payment history of the account. A good standing account will, then, have increased credit scores with the addition of the authorized user to the account.

Authorized user trade lines work along with the course of time. There have been a number of changes in the industry and authorized user tradelines have managed to shift along with these changes as they come.


We Can Help You

Authorized user trade lines are not difficult to find. They are available at any time. There are a number of trade lines for sale online. Our partner, for example, has more than 5,000 authorized user trade lines. We match them to your specific goals and credit needs.

Chrissy Le’Blanc

Chrissy Le’Blanc

Chief Strategic Partnership Officer

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