You are added as an Authorized User (AU) on a seasoned tradeline. This can improve your credit score by increasing your account age, available credit, and payment history.
No. You will not receive or use the card. This is purely a credit-building strategy — no purchases, no card access.
No hard credit pull is required. We do a soft check or internal review to match you to the right tradeline.
No. This adds a positive tradeline with strong history. It does not add debt, new balances, or affect utilization.
It typically appears within 2–4 weeks after being added to the card.
Most AU placements last 60–90 days. After that, you're removed automatically or by request.
Yes! Many clients cycle through multiple tradelines to build a more robust profile.
Better credit utilization, longer average age of accounts, improved approval odds for funding, mortgages, and credit cards.