What are Authorized User Tradelines?

Authorized user tradelines are credit accounts owned by one entity but authorized for use by another entity. The authorized user can benefit from the account's positive credit history, which can help improve their credit score.

What happens if you're removed from a credit account?

Upon removal from a credit account as an authorized user, the account history will no longer appear on your credit report. However, your credit score may still slightly improve or drop following removal.

Can I remove a tradeline of credit from my credit report once it has been added?

You cannot remove a tradeline of credit from your credit report once it has been added by the creditor or the credit bureau. However, you can dispute any inaccurate or fraudulent information associated with the tradeline.

Will adding tradelines of credit to my credit report help me qualify for better financing options in the future?

Adding tradelines of credit to your credit report may help you qualify for better future financing options. However, it's more important to maintain responsible credit behavior, like on-time payments, low balances, and low utilization ratios.  

About the Author

Bobby Samuels

Bobby Samuels

Writer and Business Communications Consultant

A CPA and finance professional working with small businesses to educate owners and grow alongside their businesses. Kal started his career in public accounting supporting SEC, regulatory, and both internal and external audits. He holds a Masters in Accounting and a BS in Supply Chain Management. Owner at Salem CPA...

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