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How long do piggybacking trade lines remain on my credit report?

Our Primary Cardholders are required by contract to keep you listed as an Authorized User on their credit card for no less than 60 days. As a result, we guarantee the history of the card you have chosen will remain on your credit report for at least 60 days. In the unexpected event that the card(s) falls off your credit sooner than 60 days, we will either issue a pro-rated refund of your money, or re-add you to the card for an additional reporting cycle, at no additional cost to you. If the card does fall off your credit report after the 60-day lease term expires, and you are still in need of a boosted credit score, we can always renew your lease under the same terms.

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:

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.

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.

Now that my credit score is boosted, what do I do?

Go out and apply for your loan, apply for the job you wanted, or for premium car or home owners’ insurance! Start your own business! But whatever you do, remember one thing, this is not a ticket for a shopping spree. Be responsible with your new credit score. Be smart. Plan ahead and stick to your plan. It is very easy to succumb to the temptations of the credit world, but it is those of us who can manage our emotions with self-control and logical reasoning who will become masters of our financial future.

Remember, a good credit customer is one who can pay off their ENTIRE balance in full every month. Practice this and it will repay you for the rest of your life.

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

BoostMyScore Team