A tradeline, or Authorized User tradeline, is an open Authorized User slot on a credit card. A person added to this slot as an authorized user will more than likely get his credit score increased while they are holding this slot. It happens if this card has a big limit and a long account age, and doesn't have any negative history such as late payments.

We develop and support our website, and drive internet traffic to it while building partnerships with wholesale buyers (credit repair companies, mortgage brokers, realtors, etc). Your Authorized User (AU) slots are advertised on our website as tradelines available for purchase. People who need to temporarily boost their credit score buy your tradeline. Once that happens, we pay you your share of the money received from a buyer.

GFSGroup.org is a marketplace platform which connects people who want to share their perfect credit with people who need a credit score boost. We are looking for reliable partners among cardholders.

We accept only personal cards with:


1. Account age over 2 years
2. Limit over $5 000
3. Spotless credit history
4. Credit utilization level under 15%
5. The cards are your personal and not business credit cards

Once one of your listed tradelines gets purchased, all you need to do is to add the buyer's details to your card and get paid your commission. After the tradeline posts to the buyer's credit report (usually around 2 weeks) just do nothing until we notify you once our 60 days period is up. Unless that cardholder is asking for an extension, you would then remove that person from your card. It is that simple!

First, it is legal as it is regulated by the Equal Credit Opportunity Act (ECOA), 1974, which is still relevant. Also, it is 100% safe as a tradeline buyer never gets a copy of your card or any other kind of access to your account, so they can't do anything to your balance or credit history. Over the years we haven’t had a single case of unauthorized access to a seller's credit card. It is just technically impossible.

It is technically not possible. Authorized Users never get a copy of the credit card. It is sent directly to your address on the account. Even if they try to call for a replacement card, they won't have the information needed to "verify" your account (such as the last 4 of your social, your DOB, or any other information concerning you). Even if they could order a new card, the replacement card is always sent to the cardholder’s address. As authorized users, they can't change any info on the account, nor can they get a card shipped to them. They'll be on the account for approximately two months and then removed with no access to do anything on the account and with no account information or the ability to make purchases.

In our 6 +years of business, we have NEVER had a single case of an AU getting a card and using it to make purchases. We have also never heard of other tradeline companies ever having an issue with this either. This is because it is technically impossible. So, as you can see, your credit card, your identity, and your information are never jeopardized.

To learn more on this topic, we recommend that you go to the MrMoneyMustache forum.

Any card issued by Barclays, Citi, Discover, PNC, USAA, NFCU, US Bank, Bank of America, Capital One, Elan Financial, Fidelity, or Chase. Cards issued by other credit card issuers tend to not post correctly (e.g. you add the Authorized User but it may not post).

You will get paid a commission for temporarily adding an authorized user. The amount of commission depends on the credit card limit and the age of a particular Tradeline.

Our new cardholders get paid their commission within 72 hours after confirming that the tradeline has been successfully posted on the client's report. The verification process takes up to 10 days following your card billing statement date.

Our VIP cardholders, who we have a long-lasting and cooperative history with, get paid their entire commission immediately after we receive a confirmation screenshot showing that the user has been added to their credit card. No other tradeline company on the market offers such cardholder-friendly payout terms.

To get started with selling tradelines just fill in the form on our site and add the information about your cards that you would like to get posted into our inventory.

We can pay you on Venmo, Zelle, CashApp. We can’t pay using PayPal per their stricter policies.

NEVER exceed 15% utilization on the credit cards that you have with us. Please remember, adding an Authorized User to a card with a high utilization rate will damage the AU's credit score instead of boosting it. This is a major issue resulting in terminating our working relationship. This doesn't mean you can't use your cards at all. If you need to use a card in case of an emergency, the card needs to be placed on hold.

It depends on the bank lender. Some allow adding 2-3 Authorized Users each month. On some cards, such as Barclays, you can add up to 6 Authorized Users each month. Please fill out the form and we will let you know the number of AUs that are permitted. https://gfsgroup.org/selling-tradelines

Authorized Users don't receive any personal information about you or your card. They don't know the card number, your Name, or your address. They never get a copy of the card. It is sent directly to you, to your address on the account. Even if they call for a replacement card, they won't have the information needed to "verify" your account (such as the last 4 of your social, your DOB, etc). Even if they could, the replacement card is always sent to the cardholder’s address. As authorized users, they can't make any changes to your account, nor get a card shipped to them. Authorized Users only see the account age and card limit and that is how you are fully protected

Below are the official Authorized User adding/removing tutorials of a number of banks, please refer to it while adding an AU to your card of the according bank:
American Express FAQ and Instructions
Barclays FAQ and Instructions (search for “AU”)
Capital One Info and Instructions
Chase Add an Authorized User (must login)
Citi Add an Authorized User (must login)
Discover FAQ and Instructions (unable to link directly)
USAA Community Discussion
U.S. Bank Info and Instructions

Please call 1-800-257-5165 or DM in Facebook messenger
https://m.me/webuytradelines.

Please review the PDF file with all the necessary information for starting selling your tradelines.