Authorized User tradelines, also known as piggybacking credit, refer to a credit enhancement technique where individuals can pay to be added as an authorized user on an existing credit account.

The primary purpose of this is to have the positive credit history of that account—including a strong credit score and perfect payment history—reflect on your credit report.

If the account is in good standing, this can lead to a significant improvement in your credit profile, helping you build or repair credit more effectively.

• Available in amounts ranging from $2,500 to $100,000 USD
   

• Available in amounts ranging from $10,000 to $250,000 USD
   

The cost of tradelines depends on:

• Age of the tradeline
• Credit limit (amount)
• Tradeline provider
   

We offer tradelines from leading financial institutions, including:

• Barclays
• Citi
• Capital One
• PNC
• AMEX
• Wells Fargo
• Chase
• Discover
• Bank of America
   

At Radix Holdings, LLC, we are dedicated to ending credit invisibility by providing universal access to Authorized User Tradelines. Our mission is to promote equal opportunity in credit by offering tools and access that many individuals might otherwise lack.

We are not a credit repair company and do not promote tradelines as a guaranteed way to improve credit scores. Instead, our commitment is grounded in fairness—advocating for individuals who may not have the same family or social networks that others rely on to build credit.

Beyond tradeline access, we provide free credit education and financial tools designed to empower individuals to make informed decisions and build a strong financial future.

Adding Authorized User Tradelines can be an effective strategy to strengthen a thin or limited credit file. Even a single tradeline can provide benefits, but multiple tradelines have a greater impact by enhancing both the depth and diversity of your credit accounts.

To counteract negative marks such as late payments or collections, it’s generally recommended to add 2–3 positive tradelines per derogatory account. This balance helps restore creditworthiness and improve overall credit health.

For individuals with good or excellent credit scores, only premium tradelines tend to yield noticeable improvements, due to diminishing returns. In high-stakes situations—like applying for a mortgage—maximizing tradeline quality and strength is especially important.

While tradelines do not guarantee credit improvements, selecting the right ones offers the best possible advantage. The ultimate outcome, however, depends on your overall credit management.