1-888-822-0082
  • Twitter
  • Twitter
  • Twitter
  • Twitter

What is an authorized user tradeline?

An authorized user trade-line is a revolving major credit card line where the credit card holder allows someone else to “piggyback” off of their good credit by adding them as an authorized user of that account. By doing so, this account will then show up on the authorized user or piggybacker’s credit report and give them the FICO scoring benefit of that account. Accounts that are a minimum of 3 years old, have perfect payment history, and less than 10% of the available credit being utilized give the maximum score benefit and in many cases can increase a qualified authorized user’s credit score as much as 30 to 60 points per tradeline.