Build credit with your eyes open.

A tradeline is any credit account that appears on a credit report, such as a credit card, auto loan or mortgage. Each tradeline shows the lender, account type, open date, credit limit, balance and payment history. A purchased authorized-user tradeline adds a seasoned card's history to your credit file.

The card's primary holder adds you as an authorized user. When the issuer reports the account to the credit bureaus under your Social Security number, the account's age, limit, balance and payment history can appear on your report. You do not receive a physical card or access to the line, and you are not legally responsible for the debt.

Our listings state that tradelines typically post within 1-15 business days after the statement date shown on the product. Orders should be placed at least 3 business days before the statement date to be included in that cycle; later orders roll to the following cycle. Posting depends on the card issuer and each credit bureau.

We do not guarantee any score increase, approval or funding result. Results depend on your complete credit profile, including payment history, utilization, credit age and recent inquiries. Newer FICO versions give authorized-user accounts less weight than accounts you own.

If a warranty is included or purchased, a verified non-posting qualifies for one replacement of equal or lesser value, subject to the Terms of Service. Non-posting must be reported by email with a three-bureau credit monitoring report. Active fraud alerts, credit freezes, or a negative account with the same bank can prevent posting.

All sales are final. Replacement protection is available under the warranty terms in our Terms of Service, and a refund is only provided where the Terms say so or where the law requires it.