Buying authorized user tradelines is a common practice for people who need to improve their credit profile. This could mean a better overall score, a "thicker" profile, or a combination of both. Either way you look at it, this is a tool that can potentially help you achieve better financing, lower down payments, favorable interest rates, and a whole lot more. But they're not always helpful for everyone.

There are a lot of circumstances where being the authorized user on a card won't be worth the money and it's important to understand this before deciding to buy. Nobody likes to be disappointed and if you don't know what you're getting into you could end up buying tradelines and with no benefit at all. You should always take the time to do your own research, ask questions, and have a good general idea of if and how tradelines can assist you in your particular situation.

Can Buying Tradelines Actually Help Me?

Buying authorized user tradelines is beneficial under many circumstances, but they're not magic. If you have bad credit, late payments, negative remarks, a very bumpy credit history, or no credit history at all, you probably aren't going to see any positive changes in your creditworthiness if you buy tradelines. Why? Because the account you're buying isn't yours - you're paying to be an authorized user. Even though it will appear on your credit report, it'll only be temporary and that won't do much of anything if your credit history shows you're no reliable or intelligent with your credit use. This includes people who have somewhat clean credit and great payment history but have high balances (utilization) spread over several cards - in other words, you're "maxxed out". In that situation, the price you'd need to pay for buying authorized user tradelines would be a lot, and the only thing that would happen is your utilization would drop. While that might push up your score, your report still shows very clearly that all of your personal cards are at (or very close to) their limits. Not a good equation when facing a decision maker who is going to lend you money.

If you expect a truly good outcome from your purchase, you'll want to be sure of the following:

  • You have a solid payment history on your own credit cards and loans
  • You're not currently showing various negative remarks or late pays
  • You're not in over your head with current debt (especially when concerning your debt-to-income ratio)
  • You've generally been responsible with your credit and need a simple push upward to help get to the next level

For example, if your credit profile is thin (meaning you don't have much history) and you want to get a credit card with a higher limit, or a credit card that's your own but maybe slightly out of reach, buying a strong authorized user tradeline could put you in the position to be accepted more easily and with a higher credit limit. In this case, you'd simply be paying money to shave off time, rather than wait two more years while growing your credit slowly. The same could be said for a small personal loan. You might not qualify normally, but if that tradeline can help you out and you can acquire a small loan, now you'll have a history showing an installment line of credit. If you pay it off quickly and on time, your credit will become more and more powerful. You can then repeat this process and think of authorized user tradelines as supplements to aid you on your credit journey.

On the other side of things, there are people looking to make much bigger moves. They have strong credit, good payment history, and good utilization but want to optimize it by any means possible. These people may be buying a vehicle or financing a home. If they can spend a thousand dollars, or even a few thousand dollars on buying tradelines that help them save tens or hundreds of thousands of dollars in the future, they'd definitely be making a smart move. While nothing is set in stone and there are no guarantees about your creditworthiness or your credit score when paying to become an authorized user. However, it's also pretty obvious when it will and won't workout once you understand how credit works.

If you have numerous cards, a fair amount of positive credit history, an overall utilization in the range of 30% to 50% and can prove that you have a decent source of income, you're in the sweet-spot for really reaping the benefits. This is the type of position where buying tradelines can really send your utilization down and your creditworthiness flying high. Each case is different, but if this process didn't work so well, people wouldn't be doing it.

For anyone seeking the right way, the right time, and the right place to buy tradelines and receive the maximum effects from your purchase, get in contact with us today and see how we can help. If you need some advice, we're here to help you hand-pick the cards that will serve you best from our live inventory. More importantly, if we don't think you're a good candidate for buying tradelines, we'll tell you. We like to see success stories. We pride ourselves on clarity, transparency, and the ability to deliver the best results possible for all of our clients. Happy customers help us create better business relationships, and doing honest business is something we excel at. In doubt? Reach out!