What Are Authorized User Tradelines?

If you’re reading this blog, you probably have some understanding of what tradelines are. In brief, authorized user tradelines are credit card accounts that someone other than the primary account holder is authorized to use. However, the authorized users aren’t actually able to use the credit cards. So the question is why people spend hundreds of dollars to buy authorized user tradelines. Why Do People Buy Authorized User Tradelines? The answer can be traced back to the Equal Credit Opportunity Act. This 40-year-old piece of legislation requires creditors to report the account activity of all authorized user accounts to the three major credit bureaus. So if you are listed as an authorized user of someone else’s credit card account, that account will appear on your credit report. As a result, the repayment history, credit limit, and debt ratio of that account will impact your credit score. People looking to establish or rebuild their credit history want to buy authorized user tradelines that will positively impact their credit scores. This means tradelines with flawless repayment histories, relatively high credit limits, and low debt ratios. Most people also want to acquire seasoned authorized tradelines because a “seasoned” tradeline is at least two years old, and credit card accounts with long histories boost credit scores more than accounts with short histories do. Why Buy Authorized User Tradelines from ? In an industry rife with scammers and frauds, buying authorized user tradelines can be tricky business. Fortunately, Top Tradelines is an organization with a sterling reputation. Industry experts agree that it is one of the best places to buy authorized user tradelines. All of its authorized user tradelines are guaranteed to have flawless repayment histories and debt ratios below 10%. Also, www.TopTradelines.com has an online database of authorized user tradelines where you can easily browse for information like the name of creditors, credit limits, and price. So you if you’re in the market to buy authorized user tradelines, you should buy seasoned authorized tradelines at Top Tradelines .