An Authorized User tradeline allows you to be added to someone else’s seasoned credit card — instantly gaining their card’s age, high limit, and perfect payment history — without ever touching their account.
This method is used by lenders to calculate your score and is 100% legal under the Fair Credit Reporting Act (FCRA).
People with 600+ scores aiming for 700+
Recently denied for funding, car loans, or apartments
Business owners prepping for credit-based approvals
Those with thin credit files needing age & limits
Note: If you have collections, late payments, or disputes — clean your report first. (We can help.)
Apply with your name, contact info, and recent credit report.
We match you to high-quality tradelines suited to your profile.
You’re added as an AU (no account access given).
The tradeline posts in 2–30 business days.
You get notified when it hits — and can see the boost.
Only cards with perfect history are used.
All verified by our AU Facilitator Network.
No SSN or bank access required.
Based on card age, limit, and bureaus reported.
Starting at $149+ depending on strength and goals.
Earn monthly as an AU Facilitator by safely adding approved users to your credit cards.
Earn monthly as an AU Facilitator by adding approved clients as authorized users to your cards — without giving access or affecting your credit utilization. It’s a safe, simple way to turn your excellent credit into a steady income stream while helping others boost theirs.
People who have:
FICO score in good standing
Perfect on-time payment history
Card(s) at least 2 years old
Credit utilization under 10%
U.S.-based credit issuer (Amex, Capital One, Discover, etc.)
Fill out the facilitator application.
Upload a screenshot of your credit report or card statements (no login required).
Get verified and onboarded in 2–3 days.
Start receiving AU assignments and payouts.
Add 5–15 AUs per card per month
Get paid per slot every time a tradeline is added
Most facilitators make $500–$2,000+/month with just 1–2 cards
