Authorized user tradelines that add years of history to your file
Our authorized user tradelines place you on seasoned, well-managed accounts from ten major banks. Most lines post within 5 days of the bank’s reporting date, and every line is guaranteed to post at least two of the three bureaus.
✓ Surety-bonded
✓ 100% money-back guarantee
★ 5.0 · 22 Google reviews
Building credit files since 2016
Trusted by the pros who refer clients
75%+
of our sales come from referring professionals
Mortgage & loan officers
Real estate agents
Credit repair companies
Funding companies
Dealership finance managers
Brokers & affiliates
They refer
→
We place the line
→
History posts
Referring clients? See broker pricing →
The basics
What is an authorized user tradeline?
An authorized user tradeline is a seasoned credit card account that you are added to as an authorized user. The card issuer reports the account’s age, limit and payment history to the credit bureaus, so it can appear on your credit report. You don’t receive a card, apply for credit or take on the debt.
10
years seasoning client files
5
days from purchase to first day of reporting window
≥2
bureaus guaranteed; all tradelines can post to all 3.
10
issuing banks in inventory
The banks on file
Every authorized user tradeline traces to a real, aged account
We don’t manufacture history. Instead, we place you on someone else’s verified account that reports to all three bureaus.
The process
Three steps, one statement cycle
01
Choose a line
Filter live inventory by bank, limit and account age to match your requirements.
02
Sign Lease Agreement and Checkout
Sign lease agreement, provide your information as prompted, and complete payment. You will receive an automatic email once complete. Reply to email with a copy of your ID.
03
The Tradeline Posts
The card issuer reports the account, including its age, limit and payment history, to Equifax, Experian and TransUnion. Most clients see the tradeline post on or a few days after the 1st reporting window. It can up to 15 days after the 1st reporting date for the tradeline to post.
Pricing
What do authorized user tradelines cost?
Prices on our live inventory run from $239 to $1,990, and most lines sell for between $300 and $775 (prices checked 3 November 2026). The price depends on the bank, credit limit and account age. Extending a line for another reporting cycle costs half the original price. Every listing shows its bank, limit, age, purchase deadline and reporting window.
| Bank | Credit Limit | Date Opened | Reporting Date | Price | Add to cart | Stock |
|---|---|---|---|---|---|---|
 |
$2,000
|
$239.00
|
4 in stock |
|||
 |
$10,000
|
$240.00
|
2 in stock |
|||
|
|
$11,600
|
$280.00
|
1 in stock |
|||
 |
$7,500
|
$280.00
|
1 in stock |
|||
|
|
$12,000
|
$285.00
|
2 in stock |
|||
|
|
$12,000
|
$285.00
|
1 in stock |
|||
|
|
$20,000
|
$285.00
|
2 in stock |
|||
|
|
$15,300
|
$285.00
|
1 in stock |
Speed that shows up on your report
Results as soon as 5 days, not weeks
Trusted by loan officers, real estate agents, finance managers and smart borrowers.
Excellent · 5.0 on Google
What our customers say
Reviews from people who bought authorized user tradelines from us.
Over 10 years of experience
Why authorized user tradelines are the fastest way to build credit
If you’ve struggled to build credit in the past, hearing that there’s a faster way probably gets your attention, along with a few questions. Unlike other options, authorized user tradelines let you add aged credit and lower your utilization without opening a new account.
Here’s what we do. We keep a large inventory of aged authorized user tradelines, listed by people with high credit scores and perfect payment records who are willing to add you to their credit card account. You can buy tradelines and add perfect payment history to your credit report.
Watch: a step-by-step overview of how authorized user tradelines work.
Are authorized user tradelines right for your file?
Once you are added as an authorized user and the line reports to the credit bureaus, the account’s positive history appears on your credit report, which can help your score. However, tradelines don’t fit every report. If yours shows recent collections, charge-offs or late payments, a tradeline is unlikely to be a good fit.
Still have questions? See what Chase, Capital One and American Express have to say about tradelines.
Who we are
An honest tradeline company, built for the customer
In 2016, our owner Matt saw that the tradeline industry badly needed an ethical, honest and hassle-free company. For too long, customers had overpaid for tradelines and dealt with salespeople making hollow promises.
Today, hundreds of customers have improved their credit with EzeCreditServices. We focus on you, because no two credit reports are alike. We also keep our overhead low, so we can pass the savings on to you.
100% money-back guarantee
Best price guarantee
Surety-bonded broker
Buyer’s guide
How to choose a tradeline company
Our clients rate us 5 stars on Trustpilot and Google. Whoever you buy from, though, run through this checklist before you pay.
A contract is non-negotiable. A company that accepts payment without a contract is not a reputable business, and inexperienced sellers often vanish after taking your money.
Reviews keep sellers honest. A legitimate tradeline source cares about its online reputation and values customer feedback. Identity verification matters too: a seller that skips it may be associated with fraudulent individuals.
Be wary of promised point gains. Only FICO knows exactly how tradeline data affects a score, because its algorithms are not public. For that reason, a reputable seller offers a tool for utilization, account age and payment history, not a guaranteed number.
Considering primary tradelines? Read why we recommend avoiding them.
Before you buy, ask:
1
Is there a contract in place?
2
Does the company have a website with online reviews?
3
Do they have a customer verification process?
4
Is it clear what guarantees they provide?
5
Do they offer a refund, and what is the refund policy?
EzeCredit answers yes to all five: written contract, verified identity, published guarantees and a 100% money-back refund policy.
Common questions
Authorized user tradeline questions
How do authorized user tradelines work?
You are added to an existing credit card account as an authorized user. After the bank reports the account to the credit bureaus, its history, including payment history, limit, utilization and age, can show up on your credit report. You don’t apply for credit and you don’t take on the debt. Tradelines don’t suit every credit report, so talk to us before you buy if you have recent collections, charge-offs or late payments.
How long does a tradeline take to post?
Buy at least 5 days before the tradeline’s listed reporting date, and it will post to your credit report in the next reporting period listed for it. The exact reporting window is shown on every listing. Timing also depends on how long each bureau takes to process the update, so allow time before any application deadline.
How long do I stay on the account?
You stay an active authorized user for two monthly reporting cycles, which is normally at least 60 days. After that the tradeline shows as closed, and it usually stays on your report as history. You can extend one cycle at a time, and each extension costs half the original purchase price.
Which credit bureaus will a tradeline report to?
Every tradeline is guaranteed to post to at least two of the three bureaus: Equifax, Experian and TransUnion. In practice, every bank we work with reports to all three, so most tradelines post to all three.
Will a tradeline raise my credit score?
We don’t guarantee that it will. Credit scoring models are private and every credit report is different. A tradeline adds reported history, and results vary by credit profile. It does not remove collections, charge-offs or late payments, and lenders may treat authorized user accounts differently.
What if my tradeline doesn’t post?
Every purchase is backed by our written guarantees. If we don’t meet them, you get a full refund of the purchase price. The full list is on our guarantees page.
Ready to add authorized user tradelines to your file?
Questions first? Call (919) 200-0484 or email Info@EzeCreditServices.com, and a real person will answer.