Question 1

What is a tradeline?

Accepted Answer

A tradeline is simply an account that appears on a credit report. Credit cards, auto loans, mortgages and other credit accounts can all be tradelines. When people talk about buying a tradeline, they are usually referring to being added as an authorized user to an existing credit card account.

Question 2

What is an authorized-user tradeline?

Accepted Answer

An authorized-user tradeline is a credit card account where another person is the primary cardholder and you are added as an authorized user. If the issuer reports authorized users, information from that account may appear on your credit report.

Question 3

How can a tradeline affect my credit?

Accepted Answer

A reported authorized-user account may affect information such as account age, available revolving credit, utilization and payment history. The actual effect depends on the rest of your credit profile, the scoring model being used and how that model or lender treats authorized-user accounts.

Question 4

How many tradelines do I need?

Accepted Answer

There is no magic number. Some profiles may benefit from one well-matched tradeline, while another profile may need something completely different. More tradelines do not automatically mean a better score. The better approach is to identify what your current credit profile is actually missing.

Question 5

Do you guarantee a credit-score increase?

Accepted Answer

No. Credit Rescored does not guarantee a specific credit-score increase. Scores depend on the entire credit report, the scoring model being used and how authorized-user information is treated. We also do not guarantee loan approval, funding, interest rates or credit limits.

Question 6

How long does it take for a tradeline to report?

Accepted Answer

Tradelines generally follow the card issuer's reporting schedule rather than appearing instantly. Each listing on Credit Rescored shows its current expected reporting window so you can compare timing before ordering.

Question 7

Will a tradeline report to all three credit bureaus?

Accepted Answer

Reporting can vary by card issuer, credit bureau and individual file. The bank or credit card issuer furnishes account information to the bureaus; Credit Rescored does not directly control bureau reporting.

Question 8

What does the 2-Cycle Guarantee mean?

Accepted Answer

Credit Rescored's 2-Cycle Guarantee applies to the covered service and reporting window under the applicable terms. It does not guarantee a specific credit-score increase, loan approval, funding result, interest rate or credit limit.

Authorized User Tradelines FAQ