Frequently Asked Questions
Authorized & Primary Tradelines
A tradeline describes any consumer’s credit account status and activity – for example, a credit card account or auto loan. Tradeline information includes names of companies where the applicant has accounts, the date that the accounts were opened, credit limits, accounts types, balances owed, and payment histories.
Authorized user tradelines are typically revolving lines of credit on which a primary cardholder with excellent credit adds someone as an authorized user or joint account holder. The tradeline then appears on the authorized user’s credit report. This action alone causes the entire history of the account to be reported as a tradeline on the credit report of the person trying to build their credit. The primary cardholder’s excellent credit history allows the authorized user to realize improvement to their credit score.
Adding an authorized user is legal. The process is explained the primary cardholder’s credit card agreement.
1. There are no laws prohibiting the purchase of authorized user slots.
2. Credit repair attempts are not potential criminal activities.
3. Using authorized user tradelines is a widespread, recognized, and accepted practice in the credit industry.
No, the authorized user is never given access to the primary cardholders credit card information. The primary cardholder does not need to share any personal or confidential data.
Authorized users can only be added to credit cards and department store cards.
Please allow up to 10 days after the statement date for the tradelines to post. Some credit monitoring sites like Privacyguard.com/CreditCheckTotal.com might require a soft inquiry.
Authorized user tradelines are good for 60 and 90 days. Please review the tradeline durations before making your selection as they vary from 2-3 months. If you need a tradeline for a longer time, you may request an extension for an additional fee. Extensions are good for situations such as business funding, preapproval or closing mortgages, or growing and rebuilding your credit score.
No, the primary cardholder does not have to give the authorized user access to the card.
Requirements vary however, credit card companies usually request the authorized user’s full name, Social Security number, date of birth, and address.
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A tradeline in which you are the primary owner. Unlike authorized tradelines, these accounts appear in your name, on your credit report, and stay on your credit file for a lifetime or 10 years after it is closed. These can be attached to your personal credit profile. Primary tradelines types: auto, installment, or revolving.
This varies depending on the lender’s relationship with the credit bureau. Some primary tradelines only report to one whereas some report to all three (Equifax, Experian, and TransUnion) bureaus. Before making your selection review the statement details to determine which bureaus your primary tradeline will report to.
Each tradeline is different. Primary tradelines generally post 15 days after the statement date.
Primary tradelines vary depending on the lender. Typically, they stay on your credit file for a lifetime or 10 years after it is closed.
All primary tradelines are open in good standing. The accounts are active, with long histories and are paid on time.
Authorized users accounts alone aren’t always enough to secure products and loans. Banks and lenders prefer reports with a credit mix; accounts should be revolving as well as installment. Authorized users can help assist with building credit; however, these primary tradelines are far more effective and a step above.
These accounts are good for building credit, purchasing a home, rebuilding or re-establishing credit, or to simply boost credit scores for a specific period. Every credit profile needs to have a mixture of creditfrom primary accounts and authorized users. These are well worth the investment.
Once you select your primary, complete the order detail form and attach your driver’s license and Social Security card. Your Login and Password credentials through Experian/Credichecktotal.com, and a clear copy of a pay stub, w-2, and/or bank statement.