You’ve probably seen it all over TikTok or YouTube:
“Add an AU tradeline to boost your score 100 points overnight!”
And truth is — it works.
But only when it’s done strategically, legally, and with the right timing.
Let’s break down how AU tradelines help you… and when they stop helping.
💳 What’s an Authorized User Tradeline?
An AU tradeline is when someone with a strong, aged credit card adds you as an authorized
user on their account.
The credit card:
● Doesn’t give you access to use it
● Simply reports to your credit file like it’s yours
● Brings the age, limit, and payment history onto your report
✅ Why It Works
Credit scoring models like FICO and Vantage factor in:
● Average age of accounts (AAoA)
● Credit utilization ratio
● Positive payment history
When you’re added to an aged, high-limit card with low utilization and perfect payments, it
checks all the boxes — and your score can pop FAST.
🧠 Some of our clients have jumped 40–90 points within 30 days after adding a tradeline
🚫 But Here’s the Catch
The boost from AU tradelines is often:
● Temporary
● Dependent on the rest of your report
● Less powerful if you already have strong history
And if lenders manually underwrite your file?
They can see it’s not your card. They might ignore the boost altogether.
💡 This is why we tell every DSI client:
Tradelines are a tool — not a crutch.
💼 When to Use AU Tradelines (the RIGHT way)
Here’s when AU tradelines are powerful:
● You’re trying to qualify for funding soon
● You need a quick score bump for a car, rental, or job app
● You’re building new credit after deletions
● You need to pad utilization after paying down your own cards
Want to see what we have available?
👉 Request AUs from DSI here
💸 Want to Start Selling AU Slots?
If you have aged, high-limit cards with perfect payment history — you can get paid monthly by
adding users to your account (no one gets card access).
We’ll show you how to do it:
👉 Join the DSI AU Facilitator Program
● Get paid per slot
● Legal & safe when done right
● Fully documented process provided
🧰 Tools to Use With AU Tradelines
If you’re running AUs, pair them with smart rebuild tools to maximize your file:
● Kikoff — $750 tradeline that reports monthly
● Credit Strong — combo of savings + reporting
● Nav — track your biz & personal credit together
● Reflex Card — unsecured tradeline that reports fast
🔁 Final Word
Yes — AU tradelines can be the boost you need. But only if used intentionally.
Don’t blindly chase score numbers.
Build structure, add power, and use the credit game to your advantage.
📲 Want to know if you qualify for an AU boost?
📱 Stay Plugged In — We Drop Credit Gems Daily
● TikTok: @designshowinc
● Instagram: @designshowinc
● Facebook: facebook.com/designshowus
● YouTube: DSI YouTube Channel
● Linktree: All DSI Links