Everything you need to know about buying authorized user tradelines through us.
An authorized user (AU) tradeline is when a primary cardholder with strong credit history adds you as an authorized user on their credit card. The card's payment history, credit limit, and age are then reported to at least two of the three major credit bureaus (Experian, Equifax, TransUnion) on your credit file — typically raising your score.
Most tradelines post within one full reporting cycle — typically 15 to 30 days from the cardholder's next statement close date. Every listing shows the exact statement date and reporting window before you buy.
Yes. Being added as an authorized user on someone else's credit card is 100% legal under U.S. federal law. Credit bureaus have reported AU tradelines for decades. It becomes illegal only if the tradeline is used to commit fraud — for example, misrepresenting your identity on a loan application.
We accept USDT (TRC-20, ERC-20, BEP-20, Solana), Bitcoin (BTC, BEP-20, RENEC), and Litecoin (LTC). Crypto payments are irreversible and fast, which is why we can guarantee posting and offer better pricing than card-based competitors.
After you add a tradeline to your cart and enter authorized user information, we display a merchant wallet address for your selected crypto and network. You send the payment from your own wallet or exchange, then paste the transaction hash on the checkout page. Our system verifies the payment on-chain, and your order enters the fulfillment queue.
Underpayments are automatically flagged. We'll contact you to send the difference, or we can refund the amount received (minus network fees) if you'd rather cancel.
Orders are fully refundable up until your AU information is submitted to the cardholder. Once submitted, refunds are governed by our Refund Policy and the posting guarantee.
Every tradeline we sell is guaranteed to post to at least two of the three major bureaus within the stated reporting window. If it fails to post to two bureaus, you receive a full credit toward another tradeline — no questions asked.
Each listing shows the reporting duration — usually two full statement cycles (~60 days). After removal, the tradeline may remain visible on your report as historical data for up to two additional years, depending on the bureau.
Most customers see a meaningful score increase, but results depend on your overall credit profile — number of open accounts, derogatory marks, utilization, etc. We cannot guarantee a specific point increase and do not claim to be a credit repair service.
Yes — see our Sell Tradelines page. You keep the card, we handle the buyer, and you get paid for each successful posting cycle. There's a $29 one-time onboarding fee and 15% platform commission on payouts.
Brokers resell our inventory to their own clients at wholesale pricing. Tiers start at $49/month for Starter and go up to $349/month for Elite. See the Brokers page.
Yes. Authorized user details (name, DOB, last-4 SSN, address) are encrypted with AES-256-GCM before they touch our database. Only the assigned processor for your order can decrypt them, and records are deleted 90 days after the reporting cycle closes.
No — we do not communicate with the bureaus directly. Your AU information is passed only to the cardholder who adds you to their account. The cardholder's bank then reports the tradeline to the bureaus as part of their normal reporting.
No. Due to state-specific credit repair regulations, we do not sell tradelines to residents of Georgia. All other U.S. states are supported.