Exploring Authorized User Tradelines: A Wise Investment?

Authorized user tradelines have gained attention as a potential investment strategy for individuals looking to improve their credit scores or financial profiles. This blog post delves into the concept of authorized tradelines, discussing their benefits, risks, and whether they are a good idea for those considering them as an investment.


Understanding Authorized User Tradelines 

Authorized tradelines refer to the practice of adding individuals as authorized users to a credit account held by someone else. By doing so, the individual gains access to the account’s payment history, which may positively impact their own credit history. This strategy is often used to boost credit scores, particularly for those with limited or poor credit histories.


The Pros of Investing in Authorized Tradelines 

Let’s delve deeper and have a look at the pros of investing in tradelines:

Credit Score Improvement: 

One of the primary benefits of investing in authorized tradelines is the potential for significant credit score enhancement. Positive account information, such as on-time payments and low credit utilization, can reflect positively on the authorized user’s credit report.


Quick Results: 

Unlike other credit-building strategies that take time, authorized user tradelines can yield relatively rapid improvements in credit scores, typically within a few weeks to a few months.


Access to Better Financial Opportunities: 

A higher credit score opens doors to better financial opportunities, including lower interest rates on loans and credit cards, easier approval for rental applications, and more favorable insurance premiums.


Diversification of Credit Types: 

Adding authorized user tradelines can help diversify your credit profile. Credit scoring models often consider the types of credit accounts you have, such as credit cards, installment loans, and mortgages. By becoming an authorized user on a different type of account, you can demonstrate responsible credit management across various credit types, which can positively impact your credit score.


The Cons and Risks

Here are the cons that you need to know before you invest in tradelines:

Costly Investment: 

Investing in authorized tradelines can be expensive, with prices ranging from a few hundred to several thousand dollars per tradeline.


Limited Control: 

As an authorized user, you have no control over the primary account holder’s actions, including their payment behavior. If they miss payments or run up high balances, it could negatively affect your credit.


Ethical Considerations: 

Some view the practice of buying authorized tradelines as ethically questionable, as it involves piggybacking on someone else’s credit history.


Is it a Good Idea? 

Whether investing in authorized tradelines is a good idea depends on individual circumstances. If you have a poor or limited credit history and are looking for a quick credit score boost to access better financial opportunities, it may be a tempting option. However, it’s crucial to weigh the costs, potential risks, and ethical considerations. There are alternative strategies for improving your credit, such as responsibly managing your own credit accounts, that may be more financially prudent and ethically sound.



Investing in authorized tradelines can offer credit score improvements, but it comes with costs and ethical considerations. Before deciding to invest, carefully evaluate your financial situation, needs, and values to determine whether this strategy aligns with your goals and priorities. Additionally, consult with a financial advisor from Shape My Score to make an informed decision.


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