When someone is added as an authorized user on someone else’s credit card account, the history of the account is often reflected in the records of both the primary account holder and the authorized user. This is because credit reports do not show the date the authorized user was added to the account, but rather the date that the account was originally opened. So, after the authorized user is added, their credit report may begin to show years of history associated with the account.

As we mentioned, tradelines can appear on your credit report. Each tradeline on your credit report has its own credit history that is also included in your file. This means it’s important to choose the appropriate tradelines considering what you already have in your credit profile.

Tradelines, specifically authorized user accounts, are legal and widely accepted. In 2008, FICO attempted to remove the benefits of authorized users from its credit scoring model, but this decision was reversed due to the Equal Credit Opportunity Act of 1974. 

A 2010 study by the Federal Reserve Board found that over one-third of credit files had at least one authorized user account, indicating that this practice is common. Additionally, banks, credit card companies, and financial education resources actively promote becoming an authorized user, confirming that it is not only allowed but encouraged.

The duration a tradeline remains on your credit report depends on the type of account. If you are an authorized user through a loved one or acquaintance, your status is determined by them, and you can request to be removed at any time.

For tradelines obtained through our platform, they will appear on your credit report for approximately two months, covering two reporting cycles. After this period, you will be removed from the account, and the tradeline will show as closed. Closed tradelines can remain on your credit report for several years.

Tradelines typically remain on your credit report for 7-10 years, even after being marked as closed. As an authorized user, you’ll be active for about two months, during which the account is reported as open. If you need a tradeline to stay on your credit report for longer than two reporting cycles, you can purchase extensions to stay on the tradeline for as many reporting cycles as you need. You can purchase unlimited extensions in increments of one cycle with each cycle being half the cost of the original tradeline purchase price.

We only offer personal authorized user tradelines. A primary tradeline refers to a credit account directly issued to you by a lender. Acquiring a “primary account” without having been issued credit by a creditor may involve questionable or potentially illegal methods.

Adding the right tradeline requires specific analysis of your credit report and some calculations. Adding the wrong or unsuitable tradeline may have a negative effect on your score. However, Advanced Credit Therapy uses a specific calculator to select the right tradelines with the highest positive impact on your credit score and history.

The number of tradelines you need depends on your individual situation. Some consumers may benefit from two or three tradelines, while others may only require one. 

To maximize your results, acquiring multiple high-quality tradelines is ideal, but if options are limited, focusing on one premium tradeline is often the best approach. Our credit consultants will work with you to determine the optimal number of tradelines needed to improve your credit effectively.

Our tradelines range from less than $300 to around $1,750. Why is there such a wide range of tradeline prices? The answer is that the price of a tradeline depends on two main variables:

The age of the tradeline
The credit limit of the tradeline

In general, the higher the limit and older the tradeline, the higher the price (and vice versa). 

Tradelines can report in as few as 11 days, depending on the specific tradeline and its reporting period. Each tradeline has a unique reporting period with a deadline for purchase to ensure it posts in the next cycle. This reporting occurs within a 7-day window each month, with reporting dates generally consistent but subject to variations due to factors like the number of days in a month and bank holidays.

While adding tradelines can potentially improve your credit score, it’s generally better to first focus on managing existing collection and charged off accounts, as this has a greater impact on your score. If you choose to add tradelines, ensure you do not have any collection or charged off account with balance on your credit report. Our credit consultant specialists can help you resolving this issue before adding any tradeline.

Advanced Credit Therapy is committed to offering quality tradelines that we guarantee will post to at least 2 bureaus within the reporting period or we will issue your money back on that tradeline, or replace a new tradeline immediately.

The only payment method we accept is “Zelle”. We do not debit or credit card for this specific service. The Zelle instruction will be provided after placing your order .

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Required Documents:

Authorized User’s Driver’s License
Authorized User’s Social Security Card
Billing Party’s Driver’s License (if different from the AU)
Payment method is Zelle (no credit cards)