Authorized User Tradelines
Explore our 24/7 live list of tradelines for sale below.
LAT Financial Group will add you as an Authorized User (AU) to credit cards, also known as tradelines, with perfect credit history, high limits and low balances for two statement cycles (approx. 60 days). The history of the cards are then added into your credit history and your new credit score is calculated.
Our tradelines are kept with a utilization of 10% or less, which is ideal.
Keep in mind that while tradelines can be very helpful, they don’t work for every type of credit report. For example, if your report has recent collections, charge offs or late payments, it is highly likely that tradelines will not be a good fit for your credit.
We don’t work with CPNs, and we don’t add AUs to CPNs.
STEP 1
Search Tradelines
Add one or several available tradelines from our inventory.
STEP 2
Purchase Tradelines
APurchase your tradelines. We’ll include you as an authorized user on the tradelines you’ve ordered within 2 business working days.
STEP 3
Increase Credit Score
The bank that issues your new tradeline will notify the major credit bureaus about adding your name. In just a few weeks, your credit score will show this positive change.
Before placing an order, please follow these steps to get the results you need! It will increase the chances of tradelines posting to all three credit bureaus, but it will also avoid any delays.
1) REVIEW ALL three CREDIT BUREAUS REPORTS before placing an order with us.
2) For ALL banks: First and Last name, social security number and DOB must match your credit report information ACROSS ALL three credit bureaus.
3) If there are any discrepancies between credit reports, please request the credit bureaus correct them to make all your information congruent.
4) Please ensure any fraud alerts or credit freezes are removed from the credit bureaus before placing an order for a tradeline. Tradelines will not post, and refunds will not be issued if there is a fraud alert or credit freeze.
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*Statement date is the date the banks report all account information to the credit bureaus. Typically, you can expect the tradeline to report to your credit report 15-30 days post statement date.
FAQ’s
1. What are tradelines?
Authorized user tradelines are credit card revolving accounts onto which an individual is added as an authorized user. “Tradelines” are the accounts listed in a credit report, such as mortgages, auto loans, credit cards, etc. An “authorized user” is a person who is given access to the account as a user but who is not responsible for the balance.
2. What are the guarantees?
Please remember that we don’t guarantee any specific credit boost. The results are individual in each case and depend on various factors, most of which are not under our control.
Our guarantees:
“60-day minimum” guarantee
We also guarantee to keep any authorized user added for 60 days minimum starting from the “posting date” you see on your confirmed and paid order. Spotless credit history and low utilization rate
Tradeline quality guarantee
We guarantee all our tradelines have spotless payment history and a utilization rate below 10%.
3. Are Tradelines Legal or Illegal?
The issue of tradelines and authorized users went all the way up to the U.S. Congress in 2008, when FICO tried—unsuccessfully—to eliminate authorized user benefits from its credit scoring model. They ultimately reversed their stance and decided to keep factoring authorized user benefits into credit scores thanks to the Equal Credit Opportunity Act of 1974. In addition, banks, credit card companies, and financial education resources explicitly promote the practice of becoming a credit card authorized user, which shows that the practice is not only allowed but even encouraged.
4. How big of a boost can I expect?
The boost is different for everyone. It all depends on what is currently in your credit report and what you choose to purchase from us. Basically, the more credit cards we add to your credit report, the bigger the boost will be; the fewer the number of credit cards that you currently have in your credit report showing as open, the bigger the boost will be; the higher the limit, and the longer the history for the card(s) you choose to add to your credit report, the bigger the boost will be.
5. How long does it take for a tradeline to appear on my credit report?
Typically, tradelines report 15 – 30 days AFTER the statement date, provided that you place your order at least 5 DAYS BEFORE the statement date. Orders and payments must be made AT LEAST 5 days before the statement date for your tradeline to post that month. Each tradeline has a different statement date.
6. How long will a tradeline stay on my file?
We guarantee our tradeline(s) will stay on your report for a minimum of two posting cycles from the statement date, which is at least 60 days (unless otherwise posted during a promotion). Note that after your lease has expired, the account will remain on your credit report. It will just change to a terminated authorized user status. It’s great that the account remains on your file indefinitely thus making your credit report more solid. The most impact you will get out of the tradeline will be while you are in an active status on the tradeline. Your score may or may not dip slightly when your lease has expired. What we have seen historically is a dip when the authorized user is removed, but not to as low as it was before the tradeline was added. Every file is different. Don’t delay, act as soon as your tradeline(s) have been posted to your credit file.
7. What is our return/refund policy and disclaimer?
Sometimes, for a variety of reasons, the Tradeline Order does not report on the first billing statement following the date of the agreement. In such cases, the Client understands that the Tradeline Order will report on the next (second) billing cycle following the date of this agreement. If the Tradeline Order does not report on the second billing cycle, LAT agrees to provide a replacement tradeline of greater or equal quality at no additional cost to the Client. If the replacement line does not report for whatever reason, then a store credit will be issued if the client does not desire an additional replacement line.
8. Tips for selecting Tradelines.
Tradeline Tip 1. Higher credit limits and older aged tradelines correlate with bigger credit score increases.
Tradeline Tip 2. You should have at least 3 OPEN & POSITIVE tradelines (AKA accounts) on your credit report to qualify for most loans.
Tradeline Tip 3. Are your accounts of low age? Then you need an aged tradeline at least 8+ years old. [The older the tradeline, the bigger your credit score increases.] Is your debt over 30% utilization? Then you need a high credit limit card to help balance out your utilization.
Did you apply recently for many loans and got denied? Then you need to go through the inquiry removal process first.
Tradeline Tip 4. Purchasing a tradeline while you have negative items on your credit report is like putting perfume on a pig. If you have any negative items, you should go through a credit sweep to ensure you can get those inaccurate items as low as possible so that you have the best possible canvas for adding tradelines to your report.
Tradeline Tip 2. You should have at least 3 OPEN & POSITIVE tradelines (AKA accounts) on your credit report to qualify for most loans.
Tradeline Tip 3. Are your accounts of low age? Then you need an aged tradeline at least 8+ years old. [The older the tradeline, the bigger your credit score increases.] Is your debt over 30% utilization? Then you need a high credit limit card to help balance out your utilization.
Did you apply recently for many loans and got denied? Then you need to go through the inquiry removal process first.
Tradeline Tip 4. Purchasing a tradeline while you have negative items on your credit report is like putting perfume on a pig. If you have any negative items, you should go through a credit sweep to ensure you can get those inaccurate items as low as possible so that you have the best possible canvas for adding tradelines to your report.
9. Can I purchase more than 1 tradeline at a time?
Sure! You can choose as many tradelines as you want from our inventory. You will see the total price in the last step of placing an order.
10. How to talk with someone and discuss details?
Please feel free to send us an email to contact@latfinancialgroup.com