New York City Tradeline

An authorized user tradeline is a account that is designated as an authorized customer, this means you are no responsibility for any charges incurred through the account. Parents may add the children to their list of authorized users for their credit cards. If you’re the authorized user the entire information about the user’s account is going to appear on your credit reports. This is due to the fact that credit reports typically don’t include the date on which the AU has been added to an account. Anyone who is who is authorized to use to a credit line could end up having years of outstanding credit record. This is the reason why many take the AU tradeline through a family or friend member to build their credit. The addition of a credit line as an AU is not without the potential for risk, based on the manner in which the primary cardholder has handled this tradeline. In the event that an AU tradeline is a negative one, like excessive usage or insufficient payments, it could result in adverse effects on your credit score. There aren’t many people who have the chance to be listed as an authorized customer of the family or friend’s credit line. Technology has created equal opportunities for people who may previously not have enjoyed the same privileges of accessing licensed user-only tradelines. Today, top-quality AU tradelines are available for less than they have ever been before, which gives everyone the benefits of accessing tradelines.