Boost your Credit Score
Adding AU tradelines to your credit report will improve your credit score. These days you don't have to suffer from low credit scores and think that inexpensive loans, mortgages and rent approvals are unavailable options.
We bet you have often heard accountants suggesting a cardholder to add a family member as an authorized user (AU) to their credit card account. If the cardholder maintains a good payment history for years and is provided with a big limit by his bank, then his authorized user's credit score goes up. Buying tradelines from our inventory means the same for you, but the only difference is, it's an anonymous process between you and our cardholders, based on a fee model.
When you buy AU tradelines from us, you get a status of an authorized user of credit cards with long and spotless credit history, as well as high limits and very low credit utilization. Such tradelines being added to your report considerably increase your own credit score.
The Legality of authorized user tradelines
In 1974, the Equal Credit Opportunity Act (ECOA) was enacted as one of the US laws regulating the activities of banks towards credit applicants. The Regulation B of that law prohibits discrimination on many factors including, for example, marital status, which means you don't have to be spouses with the cardholder or even know each other personally to be an authorized user of his/her credit card.
In 2008-2009 Fair Isaac Corporation (FICO) wanted to exclude authorized users from credit scoring due to morals. However, it changed its decision because of the ECOA and canceled its application to Congress.
There were no allegations of AU tradelines becoming illegal from any institutes since then, so as a buyer, you don't need to worry about the legality of this matter.