Improve your credit score by becoming an Authorized User (AU) on a credit card with a strong history.

Here's a breakdown:

Choose a Tradeline: Pick a credit card with low use and a long positive payment history. When you buy a tradeline, we submit your details to add you as an AU.

Credit Bureau Reporting: The card company reports this to credit bureaus within one or two billing cycles, usually reaching Experian, Equifax, and TransUnion.

Credit Score Bump: Your score may improve due to a longer credit age, better credit use, and the addition of on-time payments.

No Card Use: You won't get or spend with the card; it's just for building credit.

Time-Limited: Tradelines stay for 60 days before you're removed as an AU, but they can benefit your report longer.

Variable Results: Increases in credit scores can differ; it's not a sure thing because everyone's credit situation varies.

Refunds: If your tradeline isn't on at least one bureau by the second cycle's seventh day, you could get a full refund.

Key Points: - Purchase tradelines at least 7 days before the statement date. - Early card closure could mean a possible partial refund if it did post. - AMEX doesn't backdate the card’s age to when you're added as an AU. - Fraud or misuse could lead to removal, collections, or legal action.