You May Have Heard A Lot About Them, But Here's Why Authorized User Tradelines Don't Work

We spend a lot of time writing about the various ways that buying authorized user tradelines can benefit you, your credit profile, and in the end, your overall credit score. There's a lot to write about, and a lot of situations where you can benefit in both the short and long-term by using a trustworthy company who has high-quality credit lines for sale. You can achieve things like increase your existing card limits, be accepted for newer cards that you normally wouldn't qualify for, getting auto loans with no money down, or being approved to buy a home when you've previously been denied.

Authorized user tradelines are an excellent tool to have in your credit building arsenal but they must be acquired carefully. If you purchase the right ones at the right time for very specific needs, they're indispensable - especially when you need to improve your credit profile as quickly as possible. However, they're not the ultimate solution to a well-balanced credit report that will last for decades. Additionally, authorized user tradelines don't always work out for everyone because their performance does depend quite heavily on your general credit history.

Yes, being an authorized user can help you reach a goal that will aid you in continually improving your credit, but the end result really depends on how you handle your finances. Without good spending habits and without knowing that using credit recklessly can cause a world of problems for you, tradelines can't magically gift you excellent credit that will always be there waiting for you.

When and Why Authorized User Tradelines Don't Work

To generalize what we said above, strategy and responsibility are they keys to effective and permanent growth of your credit profile and score. If you think - or if someone told you - that simply purchasing a few tradelines will solve all your problems, they're sadly mistaken and you've been misinformed.

Here are some reasons why authorized user tradelines don't work:

Your credit is bad. If your credit is bad, tradelines don't work. Keep in mind there's a difference between a low score that is the result of a lack of credit, and a low score that owes itself to habitual late payments, delinquencies, negative remarks, failure to pay, and bankruptcies. If your score is low it doesn't actually mean it's bad, it may just mean you don't have any history. But when your credit is actually bad it's because you've shown creditors that you're not trustworthy. Until you can rectify and reverse that situation, your credit will remain bad and nothing apart from rebuilding it will suffice. Whether you use a credit repair agency or rebuild it on your own, don't expect a credit card tradeline purchase to make any difference for you until after you've recovered your credit and have at least a year or two of solid, positive history to show.

You've spent too much. If you have a couple (or several) credit cards that are at or very near their spending limits, there's hardly a tradeline in the world that can help you out. Even buying tradeline packages won't be of any help. The way authorized user tradelines function beneficially is by improving your history through the overall limit and average length of credit, plus a display of perfect history on that particular line. But the credit bureaus, card companies, and lending institutions are not stupid. While you may have found a tradeline for sale that has a $80k limit and 30 years of age, it won't change the fact that all your other cards are over-utilized.

Before deciding to extend a line of credit, lenders will be checking your current balances and comparing those with their limits. They'll also be checking for how long those limits have been that high. If you have only been making minimum payments on large balances for many months or years, that ultra-valuable card with the $80k limit is basically useless for you. Yes, it will lower your overall credit utilization by a large factor but each individual account is also taken into consideration by lenders. They count on credit bureaus to keep this info readily available so they can make the best decisions. If you've spent too much, you'll need to push your current accounts below 40% of their limits before you do anything else.

You found tradelines for sale but you purchased the wrong ones. This is a big, big mistake. Firstly, you should have consulted with a professional tradeline company before purchasing so they could provide guidance. Just because a credit card has a high limit or a old age doesn't mean it's going to help your score. You have to consider things like what kind of credit accounts are already on your report, the average age of the cards, the total limit, the number (if any) of installment loans you have, and whether they're open or closed.

You'll also need to understand not only how credit bureaus function and how lenders determine creditworthiness, but also each aspect of a credit profile, their level of importance, and how each piece of the overall report can be weighted individually from the others at any given time.

Lenders don't owe you anything, and if they find something they don't like, you'll need to know how to deal with it. If you purchased a tradeline that doesn't align well with your unique credit history you can't expect any results. If in doubt, always consult before buying. It's not cheap to buy authorized user tradelines and you might as well be flushing your money down the toilet if you're going to buy them blindly and with illogical expectations.

You've purchased tradelines assuming they work continuously. If you're added as an authorized user on the account of a friend, spouse, or family member - that tradeline will work for you as long as it's in great standing and until you're removed as an authorized user. But when you buy tradelines, you're doing so (or should be) with a very particular intent. Typically, a tradeline purchase price is the cost for 2 months of being an authorized user. This provides ample time to achieve the short term goal you have but it doesn't permanently keep your credit score high. You'll want to make sure that you're aware of this before deciding to buy them and understand that the immediate increase in your credit score is only temporary. Once removed, you'll fall back a bit to a lower number than when you held the tradeline open.

How To Get Tradelines That Actually Work

If you want tradelines that really work and your going to purchase them, you need to plan accordingly. You should check your credit report across all of the three major credit bureaus to be sure there are no inaccuracies or errors, and that everything is consistent. You'll also need to be sure that what you're buying will work in your favor. All of this comes back to the point of responsibility and accountability.

Find a trusted supplier who has a variety of tradelines for sale. Then, ensure they're legitimate and using safe and legal practices. If you haven't found the resources or don't understand exactly what you need, contact them for help to be sure they're knowledgeable about what they're offering. If they're not asking you questions, they're not really there to help you. And if they can't answer your questions with ease, they're probably not reliable or trustworthy.

Encountering the right company with both a high-level of customer service and quality inventory is your utmost concern. Be sure that you're dealing with people you can trust and you'll have no problems meeting or exceeding your goals. GFS Group has a proven reputation, a money-back (or equivalent) guarantee, and a team of specialists who want to help you succeed financially.

If you're concerned about why tradelines don't work you owe it to yourself to reach out and discover the power they can have when used properly. What are you waiting for? Visit to get started today and see how we can make your life - and your lending needs - much easier than you ever imagined.