From browse to bureau-reported in under 60 days.
Five steps. Zero mystery. Here’s exactly what happens after you tap Reserve.
5 steps. Fully transparent.
Click each step for details on what happens, when, and why.
Browse The Inventory
Visit our /tradelines/ page. You'll see 90+ verified tradelines, each with full details: bank, credit limit, account age, statement date, posting cycle, and your cost. Filter by what matters — limit, age, or how fast it posts. Every account shows $0 utilization because that's the only kind we sell.
Reserve Your Spot
Tap the Reserve button on the tradeline you want. You'll land on a form pre-filled with your selection. Submit your name, DOB, address, SSN, and email. Encrypted in transit. Used only for AU enrollment. Never sold.
Pay Via Zelle
We confirm tradeline availability within hours and reply to your email with Zelle payment instructions. Zelle is bank-to-bank, settles in minutes, and protects both sides — no chargebacks, no processing fees, no third-party middleman. Once payment lands, your spot is locked.
We Add You As AU
We forward your AU info to the cardholder, who logs into their card account and adds you as an authorized user. The card issuer mails the AU card to the cardholder (which we never use — physical cards aren't part of the deal, the credit history is). AU additions populate in 7-10 business days from the statement close date.
Bureaus Update
On the next statement cycle (35 or 60 days, depending on the card), the issuer reports your AU status to the major bureaus. The full account history — limit, age, and payment record — appears on your credit file. Most clients see updates on 2 of 3 bureaus within the first cycle. If a tradeline doesn't report at all, you get a full refund.
What to expect, week by week.
Most clients see bureau updates on the next statement cycle. Here’s the typical schedule.
Lock in your tradeline reporting.
Real-time 3-bureau credit monitoring may be required to verify your tradelines populate correctly on your profile. MyScoreIQ FICO Max alerts you the moment a tradeline posts — and gives us the verification we need to honor our 2+ bureau guarantee.
- Live alerts the moment your tradeline posts to any bureau
- Daily FICO score updates from Experian, Equifax, & TransUnion
- Dark web & identity theft monitoring + $1M insurance included
- Required for refund processing if a tradeline doesn't report
Activate before your tradeline's next statement close date for the cleanest verification. Independent service operated by MyScoreIQ — Authorized Trades may earn a referral fee.