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Understanding Authorized Users
Understanding Authorized Users
Traditionally, many parents have been advised to add their kids to their credit cards as authorized users to give them a head start in life. Sadly, not everyone has a parent with good credit to do that. Additionally, a large scale study of 300,000 credit profiles concluded that approximately one-third of our entire nation has one or more authorized user tradelines in their credit file. This same study pointed out that minorities and the lower demographic sectors were less likely to have these types of tradelines, which is further evidence of the inequality that exists in our financial system.
Understanding Authorized Users
Understanding Authorized Users
Understanding Authorized Users
Authorized user trade line accounts refer to the practice of “renting” the credit history of a high credit scoring individual to improve one’s own credit rating. An authorized user account is a tradeline that can be a spouse added to a credit card, a child or even a close friend.
Why Us?
Who we are
Who we are
A low credit score can keep you from the things you want. But did you know a low credit score can impact a lot more than just financing? Do the best thing you can do for your future. Call us today and let our experience save you time, money, and frustration.
Who we are
Who we are
Who we are
Quality Tradelines is a pioneer in making it possible for consumers to purchase tradelines 100% online with an easy automated checkout process. By leveraging innovative technology, we have been able to cut costs and streamline the process, which ultimately makes this strategy available to more consumers.
Quality Tradelines is not a credit repair company, does not advertise this product for the purpose of boosting credit scores, and does not guarantee any improvements to credit in any way. Instead, we are simply fighting for the rights of our customers to have the same opportunities as other more privileged Americans who have friends and family to offer them this same strategy. Additionally, we provide free education and tools to learn about credit and finances in order to empower people to make the best choices possible.
FAQs
Please contact us if you cannot find an answer to your question.
In theory, a higher-limit tradeline can help lower someone’s overall utilization ratio, but this alone may not completely solve the problem of having credit cards with high utilization. Negative factors are always going to play a role in the credit score and having any high-utilization credit cards is a negative factor.
However, having a lower overall utilization ratio would be a positive change and may still yield some benefit despite the fact that the individual credit cards with high utilization will still remain in the equation.
We have even heard of metrics in the secret credit score algorithm that look at the percentage of high-utilization credit cards in someone’s credit file relative to the total number of credit cards they have.
For example, if someone has two credit cards, one with a $5,000 limit where they owe $5,000 on it and another credit card with a $25,000 limit where they owe zero on it, their overall utilization ratio is relatively low at 16.67% but they would be at 50% on the percentage of revolving accounts with high utilization. In this example, the 50% ratio of high utilization cards could possibly have a negative impact even though the overall utilization ratio is within the ideal range.
For more on this, see our article on overall utilization vs. individual utilization and how tradelines can play a role in these factors.
There may also be other reasons why some people are interested in adding higher-limit tradelines to their credit file that have nothing to do with utilization.
For example, some people believe that having higher-limit accounts in their credit file may increase their odds of getting approved for higher-limit credit cards or other types of loans. We do not have any knowledge about the validity of these beliefs, nor do we help people with funding in any way, but we are aware that such strategies exist in the marketplace.
This is an additional reason why some individuals might be interested in a high-limit tradeline even if there is not very much age on the account, which also makes the cost of a tradeline cheaper.
When purchasing authorized user tradelines, when you get added to the credit card as an authorized user, it does not show on your credit report when you were added. Rather, the entire history of the account is reflected in your credit report, with some exceptions depending on the bank.
For example, if an authorized user is added to a credit card that is 20 years old, it will simply appear as a 20-year-old credit card that this person has on their credit report with an authorized user status. Therefore, the credit scoring algorithms often just assume this person has been on this card for 20 years. If the tradeline has a perfect payment history, that is a nice thing to have in your credit report.
Also, while there may be several different utilization ratios at play in the secret credit score algorithm, an authorized user tradeline can play a factor in the overall utilization ratio.
The truth is that since the credit scoring algorithms are secrets, no one knows exactly how it works. There are a lot of inferences, correlations, and speculation that has taken place to try to understand the way credit scores work.
a tradeline is any account that appears on your credit report. Different types of tradelines include mortgages, auto loans, student loans, furniture loans, jewelry loans, installment loans, and of course, credit cards of all types.
However, if you made it to our website, you may be interested in purchasing tradelines, and that is something a little more specific than this broad definition listed above.
We sell authorized user tradelines, which means you can pay to become an authorized user on someone else’s credit card. This account will then appear on your credit report showing your authorized user status.
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We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a path to financial confidence.
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