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EVERYTHING YOU NEED TO KNOW ABOUT AUTHORIZED USER TRADELINES

The Term Authorized User tradelines (also known as piggybacking credit) has become synonymous with a Credit Enhancement Technique where people – like you – can pay to be added as an authorized user to an account. This is for the sole purpose of having the Positive Credit History associated with that account appear on your account.

This – if the account is in good standing (i.e. good credit score, perfect payment history, etc…) – can result in an Improved Credit

Radix Holdings, LLC is a leader in providing solutions to end credit invisibility. By providing universal access to Authorized User Tradelines, we help deliver equal credit opportunity.

Radix Holdings, LLC is not a credit repair company, does not advertise this product for the purpose of boosting credit scores, and does not guarantee any improvements to credit in any way. Instead, we are simply fighting for the rights of our customers to have the same opportunities as other more privileged Americans who have friends and family to offer them this same strategy. Additionally, we provide free education and tools to learn about credit and finances in order to empower people to make the best choices possible.

Credit Scorings value is a mix of several different types of credit accounts, so a thin file with only a few accounts might be limited in what it can achieve. In this case, adding a few tradelines would be ideal because it would help increase the number of accounts in the file.

On the other hand, someone with no credit or an extremely thin file can also experience significant benefits from adding one tradeline, since they didn’t have much there to begin with. Of course, more than one tradeline will help even more.

Accounts that have negative marks such as late payments and collections can really drag down credit. Derogatory accounts need to be outweighed by positive accounts, so one’s credit report should contain at least 2-3 positive tradelines for every negative account. Therefore, multiple tradelines may be necessary to balance out derogatory credit damaging one’s credit.

For those looking to get maximum results, buying several of our best tradelines would be the ideal plan. This becomes increasingly important for people who already have good credit (680 FICO or higher) because it is much more difficult to significantly impact one’s credit report with a file that is already relatively strong.

There is also a point of diminishing returns on tradelines for those with already high credit score so situations like this require purchasing the absolute best quality tradelines in order to achieve positive results.

In other instances, the goal may be extremely important and the risks of failing to meet that goal may be significant. In situations where the outcome is very important, we recommend using the maximum strength possible.

Of course, the risk is that there are no guarantees on what the results will be, but at least you can be sure that you received the maximum benefit possible from tradelines. The rest is up to you.