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.

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