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What happens after I am removed from the Authorized User Tradelines?

Based on our experience, once your status as an Authorized User with the credit card company has been removed, one of three things can happen:

  1. the authorized user tradeline that appeared on your credit report can disappear, completely removing any benefit you may have had previously.
  2. the tradeline will remain on your credit report, but the status of the account as it appears in your credit report will change from “Open” to “Terminated” or “Closed”, which removes the benefit you had from the available credit limit. The credit score benefit you were previously receiving from the tradeline’s payment history may remain in this case.
  3. the tradeline will sit stagnant on your credit report with no new information reported. In this case you may continue to benefit from both the credit limit, as well as the payment history. But as time goes on without any new information reported, that positive history may likely be reduced in value to the credit score.

If you need the credit boost for longer than our minimum 60-day time period, be sure to ask us for a lease extension.

Bill Airy

About the Author:

Bill Airy is the CEO and Founder of BoostMyScore. For over 12 years he has helped American consumers get a second chance at a better financial life by helping them to improve their credit score. He regularly publishes helpful content on this Blog to educate others about Credit Scores and best practices when trying to improve them.

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Related Frequently Asked Questions:

How big of a boost can I expect from piggybacking tradelines?

The boost is different for everyone. It all depends on what is currently in your credit report and what you choose to purchase from us. The easiest way to answer this question is to say that there are three “Truths” to boosting your credit score through this method.

  1. The more credit cards we add to your credit report, the bigger the boost will be.
  2. The fewer the number of credit cards that you currently have in your credit report showing as open, the bigger the boost will be.
  3. The higher the limit, and the longer the history for the card(s) you choose to add to your credit report, the bigger the boost will be.
Do you repair or correct negative or incorrect information in my credit report?

No, we do not remove or dispute negative items on your credit report. We can, however, refer you to someone who does.

Give us a call at 1-800-531-1472

Primary or Authorized User Tradelines?

Years ago, several online companies advertised the ability to add “Seasoned Primary Tradelines” to your credit report. These tradelines could look better on your credit report to a mortgage underwriter than a “Seasoned Authorized User Tradeline”. Since the account would appear in a credit report as being individually managed by the borrower (Primary), and because it showed several years of credit history (Seasoned), it had the potential to boost the credit score AND trick underwriters into believing it belonged to the applicant. As you can imagine, the “Seasoned Primary Tradeline” practice appeared to be fraudulent to many in the law enforcement community. Several businesses advertising that service were quickly sought out and shut down.

Bear in mind that, as opposed to a “Seasoned Primary Tradeline”, a “New Primary Tradeline” (a new credit card account, for example) will most likely cause a drop in your credit score. Your score will typically recover, once the New Primary Tradeline has aged for a couple years.

For these reasons, BoostMyScore does not assist clients with adding “Seasoned Primary Tradelines” to their credit report. We also do not assist our clients in applying for “New Primary Tradelines.”

To be clear, BoostMyScore specializes in the addition of “Seasoned Authorized User Tradelines,” which continue to deliver an astonishing boost to your credit report, just as they always have.

Got a Question with no answer? Speak to one of our specialists instead

BoostMyScore Team