Once your status as an Authorized User with the credit card company has been officially removed, the card companies tend to leave the account history on your credit report anywhere from 6 months to several years; more than enough time for you to go out and get approved for the loan you need. This long lasting benefit will also grant you the time necessary to continue to build your credit score the traditional way, only with lower interest rates. However, do not procrastinate with your plan as it is still possible for the card to fall off immediately after the 60 days expires. At this point, it is completely outside of our control. What we have seen historically is a slight dip when the AU is removed, but not as low as it was before the tradeline was added.

Purchasing a tradeline does not include credit repair or removal of any derogatory items. Please check out our credit repair section.

Years ago, several online companies advertised the ability to add “Seasoned Primary Tradelines” to your credit report. These tradelines could look better on your credit report to a mortgage underwriter than a “Seasoned Authorized User Tradeline”. Since the account would appear in a credit report as being individually managed by the borrower (Primary), and because it showed several years of credit history (Seasoned), it had the potential to boost the credit score AND trick underwriters into believing it belonged to the applicant. As you can imagine, the “Seasoned Primary Tradeline” practice appeared to be fraudulent to many in the law enforcement community. Several businesses advertising that service were quickly sought out and shut down.

Bear in mind that, as opposed to a “Seasoned Primary Tradeline”, a “New Primary Tradeline” (a new credit card account, for example) will most likely cause a drop in your credit score. Your score will typically recover, once the New Primary Tradeline has aged for a couple years.

For these reasons, BoostMyScore does not assist clients with adding “Seasoned Primary Tradelines” to their credit report. We also do not assist our clients in applying for “New Primary Tradelines.”

To be clear, Approved Financial Solutions" specializes in the addition of “Seasoned Authorized User Tradelines,” which continue to deliver an astonishing boost to your FICO®

Once you complete the Agreement and we verify that we have all info needed to add your tradeline, you will be emailed an invoice for payment. Once paid, you will be added to the tradeline withing 24 business hours and sent a confirmation screenshot.

A Tradeline is simply a credit account that has been in existence for a time, and has a credit limit, some charges that are being paid regularly and promptly, and is associated with a debtor. The history and limits of a Tradeline are part of the calculations that the credit bureaus formulate in coming up with a credit score.

Go out and apply for your loan, apply for the job you wanted, or for premium car or home owners’ insurance! Start your own business! But whatever you do, remember one thing, this is not a ticket for a shopping spree. Be responsible with your new credit score. Be smart. Plan ahead and stick to your plan. It is very easy to succumb to the temptations of the credit world, but it is those of us who can manage our emotions with self-control and logical reasoning who will become masters of our financial future.

Remember, a good credit customer is one who can pay off their ENTIRE balance in full every month. Practice this and it will repay you for the rest of your life.

Typically AU tradelines within about 15-30 days to at least 2 of the 3 Credit Bureaus. All tradelines have specific "estimated reporting" timeframe so that you will know when your tradeline will appear on your credit.

Our Primary Cardholders are required by contract to keep you listed as an Authorized User on their credit card for no less than 60 days. The Tradeline normally reflects on your credit report within about 15-30 days, leaving the remaining 30-45 or more days reflecting as "active" on your credit report. (you receive credit from the date that you were added to the tradeline) Of course after your 60 day lease ends, you have the options to remain "active" on the tradeline to continue to get updates for an additional 2 months at our monthly rate.

Once you close on a loan, the bank is contractually bound to hold those loan terms and conditions as agreed in your contract. They cannot change the terms solely because your status as an Authorized User has been removed after closing. You will likely continue to qualify for the lower rates, as long as your loan closes before, and if, the tradelines fall off your credit report.

The boost is different for everyone. It all depends on what is currently in your credit report and what you choose to purchase from us. The easiest way to answer this question is to say that there are three “Truths” to boosting your credit score through this method.

The more credit cards we add to your credit report, the bigger the boost will be.

The fewer the number of credit cards that you currently have in your credit report showing as open, the bigger the boost will be.

The longer the history,and higher the limit for the card(s) you choose to add to your credit report, the bigger the boost will be.

Do AU Trade Lines Impact Credit Scores?

Despite fear and anxiety to the contrary, Authorized User trade lines continue to report to the credit bureaus and impact credit scores. Nothing has changed, even though many people may try to claim otherwise.

According to the study completed by the Federal Reserve Bank, “…creditors may have to consider all authorized user accounts on an individual’s credit record, regardless of whether they reflect a spousal relationship to an account holder. For this reason, credit history scores, such as the FICO score®, have traditionally accorded authorized user accounts equal weight to the other accounts on an individual’s credit record. If the account has desirable characteristics (such as a low utilization rate or a good payment history), this may improve the authorized user’s credit risk profile and credit scores. The result may be enhanced access to credit and reduced borrowing costs.”

Additionally, the Fair Isaac Corporation (FICO®) also confirmed in Congressional testimony, “After consulting with the Federal Reserve Board and the Federal Trade Commission earlier this year, Fair Isaac has decided to include consideration of authorized user tradelines present on the credit report in the FICO 08 model.”

Copy of SSN card

Copy of ID or Driver's License

In Place of an SSN Card you may submit

A W2

1040

Pay stub

these documents most show your full name and full social security number.

We guarantee that your tradeline will reflect a balance of 35% or less or your money back