How to Use Authorized User Tradelines

An authorized User is an additional user to your credit card without requiring that person to apply like an employee or a child. The authorized user shares the credit limit with the primary holder and purchases made by the authorized user appear on the same statement. The user will start building credit!

Tradelines are similar but differ in this simple way, you pay a cardholder to add you as a user to his/her card.

Identify a person that could be a good fit because failure to make a payment on time by the primary account holder can hurt your credit history and score.

Ask that person to contact their credit card company and request a new card with your name. They will need your full name, social security number, and your date of birth.

A couple of weeks later you’ll receive the credit card and within 30 days you should see their credit card history on your credit history.