FINALLY....The Truth About Credit Repair

Authorized User Tradelines

Our Authorized User tradelines are accounts that are in someone else's name in which you are added as an authorized user. This technique called "piggybacking" has been used for years to assist people with the building of credit. In early 2008 authorized user accounts lost some of their effectiveness due to bank underwriting departments denying applications that have too many authorized user account with no other credit history.

After months of testing we have figured out the proper formula that will allow you to benefit from the credit score bump achieved from an authorized user account while still being able to get approved for loans.

The reasons lenders stopped approving loans with authorized user accounts was due to the fact that people would come to them with 10K - 15K in authorized user account and NO PRIMARY ACCOUNTS. This combination just doesn't make sense and raises red flags.

In order to combat this problem we decided that our authorized user accounts could only be sold to clients that either have our primary user accounts or can prove to us that they have adequate primary user accounts currently listed on their credit report.

The chart below shows the authorized user accounts we have available as well as the amount of primary credit your credit report must show in order for you to purchase our authorized user tradelines.