Authorized User Tradelines

About Tradelines

At AOS Tradelines we specialize in Authorized User Tradelines — a powerful, legal strategy designed to help strengthen your credit profile quickly.

What Are Tradelines?

Tradelines are credit accounts that appear on your credit report. There are two types:

Authorized User Tradelines

You're added to an existing credit card account. This is our specialty — and the fastest path to results.

Primary Tradelines

Accounts you open and manage yourself. These take longer to build history.

How Authorized User Tradelines Work

When you're added as an authorized user:

  • The account's history, credit limit, and payment record may appear on your credit report
  • This can help improve your credit profile in a short period of time
  • This process is commonly known as "piggybacking" on a strong credit account

Our Tradeline Guarantee

Every tradeline we provide includes:

5% or less utilization
Zero late payments
Strong, established history
High-quality cardholders (typically 780+ credit scores)

Key Benefits

Build Credit History

Add seasoned accounts to increase your overall credit age and lengthen your average account history.

Lower Credit Utilization

Increase your available credit to help reduce your utilization ratio and improve your score.

Add Positive Payment History

Strengthen your profile with 100% on-time payment records from established cardholders.

Increase Approval Odds

Position yourself for better approvals and stronger funding opportunities with lenders.

Posting Guarantee & Policy

We only guarantee that your tradeline will post to a minimum of two (2) credit bureaus. Posting to all three is common, but not guaranteed.

No Refund Policy

All tradeline purchases are final. NO REFUNDS will be issued under any circumstances. If a tradeline does not post to at least two credit bureaus, we will replace it with a tradeline of equal value.

Important Guidelines

  • Remove all credit freezes and blocks before being added (this can prevent posting)
  • Allow 7–14 business days after the report date for posting
  • A consultation is recommended if you're unsure which tradeline fits your profile
  • CPNs are illegal — we do not work with CPNs

Tradeline Terms

Partner Tradelines
  • • 60–90 day terms
  • • After removal, account may remain as a positive closed account
Personal Clients
  • • May include onboarding fee
  • • Monthly maintenance (auto-billed)
  • • Valid ID and SSN verification required
  • • Experian account must be reviewed before placement

Common Questions

Ready to Get Started?

Browse our curated inventory of verified, high-limit tradelines and start building a stronger credit profile today.