Tradelines

How Authorized User Tradelines Report to the Bureaus

Which cards report authorized users, how quickly they show up, and what to look for.

Not every card issuer reports authorized users the same way. Some report full history, some limit history to the AU date forward, and some don't report AUs at all.

What varies - Reporting to all three bureaus vs. one or two - How quickly the tradeline shows after being added - Whether the AU status is flagged in the report - Removal timing after the AU is dropped

Why it matters An AU tradeline is only useful if it actually reports. Any professional recommending one should be transparent about the specific card, its reporting behavior, and expected timing.

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