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?

Request a Free Credit Breakdown Here

📱 Stay Plugged In — We Drop Credit Gems Daily

● TikTok: @designshowinc
● Instagram: @designshowinc
● Facebook: facebook.com/designshowus
● YouTube: DSI YouTube Channel
● Linktree: All DSI Links

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