Disclaimer

All content on authorizedtrades.com is provided for general informational and educational purposes only. Information about authorized user tradelines, credit reporting, credit scoring, and credit-building strategies is intended to help you make informed decisions, but it does not constitute professional advice of any kind.

Authorized Trades is not a financial advisor, attorney, accountant, credit counselor, or credit repair organization. Nothing on the Site or in our communications should be construed as financial, legal, tax, or credit repair advice. Before making any financial decision, you should consult with a qualified professional licensed in your jurisdiction.

Authorized Trades makes no representation, warranty, or guarantee regarding the impact of any tradeline on your credit score. Credit scoring is determined by complex algorithms operated by FICO, VantageScore, and the credit bureaus, and depends on hundreds of variables in your individual credit profile. Past results do not guarantee future results. Any specific point increases referenced in marketing, testimonials, or screenshots are individual cases and should not be interpreted as typical or expected outcomes.

Authorized Trades, LLC guarantees ALL of the following on every tradeline purchased through our platform:

• If you purchase a tradeline by the stated purchase deadline, it will post on your credit report on the next reporting period listed for that tradeline.
• You will remain on the card as an authorized user for 1–2 monthly reporting cycles, depending on the card.
• The tradeline will post to at least 2 of the 3 credit bureaus.
• The tradeline has zero late payments ever reported.
• The current utilization rate on the card will be lower while you are on the tradeline.

Authorized Trades, LLC does NOT guarantee any of the following:

• No positive credit score result is guaranteed. You may receive a zero-point boost, or your score may even decrease, depending on your credit file and which tradeline you purchase.
• No new funding, loans, credit cards, lines of credit, or financial outcomes are guaranteed based on purchasing our tradelines.
• Our customer service representatives are specifically trained NOT to answer questions about how tradelines may or may not affect your credit score. We do not make guesses about how many points you may or may not get, what your score might be, or how many tradelines you would need to reach any specific score. We do not talk about credit scores.
• No results beyond getting a tradeline to post as detailed in the Our Guarantees section above.
• Tradelines will not post if there is a fraud alert or credit freeze on any of the credit bureaus. If you have any fraud alerts or credit freezes on your file, you must remove them before purchasing.

Our money-back guarantee is limited to one specific outcome: that the purchased tradeline reports to at least 2 of the 3 major credit bureaus within the time window specified in our Terms of Service. This guarantee is not a guarantee that the tradeline will increase your credit score, qualify you for a specific loan or credit product, or remain on your report indefinitely. The full terms of the guarantee are detailed in our Terms of Service.

Authorized user reporting is a legitimate, FCRA-recognized credit-building practice that has been used by families, businesses, and individuals for over 50 years. Federal law requires lenders to consider AU history in credit decisions. However, individual creditors and underwriters have varying internal policies regarding the weight they give to authorized user accounts in lending decisions, and some manual underwriting reviews may discount or exclude AU history when evaluating creditworthiness.

Every credit profile is unique. The impact of adding a tradeline to your credit file depends on factors including (but not limited to) your existing credit history, current utilization, account count, derogatory marks, recent inquiries, and the specific scoring model used by a given lender. Results experienced by other clients are not predictions of what you will experience.

Authorized Trades is not affiliated with, endorsed by, or sponsored by Experian, Equifax, TransUnion, FICO, VantageScore, or any credit card issuer (including but not limited to Wells Fargo, Citi, Chase, Capital One, Barclays, Bank of America, Discover, or American Express). All trademarks and brand names referenced are the property of their respective owners.

Customer testimonials displayed on the Site reflect the individual experience of those customers and are not necessarily indicative of typical results. Compensation may have been provided in exchange for testimonials in some cases. Where shown, point increases are unverified self-reported figures. Testimonials are not predictions of your results.

Authorized Trades takes fraud extremely seriously. Submitting an EIN, TIN, or any alternate or false Social Security Number in place of your real SSN is grounds for immediate termination, removal from any active tradelines, and forfeiture of all amounts paid as liquidated damages. Suspected fraud is reported to the FBI, DOJ, FTC, Social Security Administration, and Internet Crime Complaint Center. We cooperate fully with law enforcement. The complete fraud policy is contained in our Terms of Service.

The Site may contain links to third-party websites. These links are provided for convenience only. Authorized Trades does not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party site.

Use of authorizedtrades.com and reliance on any information provided is solely at your own risk. To the fullest extent permitted by law, Authorized Trades disclaims all warranties, express or implied, regarding the accuracy, completeness, or usefulness of any information on the Site.

Questions about this Disclaimer? Email info@authorizedtrades.com or use our contact form.