An authorized user is a person who is listed on a credit account that they do not own. Being an authorized user on a credit account can help a person boost their credit score or increase their available credit. With Exchange Credit, people who want to establish or increase their credit for various purposes like signing a lease or purchasing a car can become an authorized user on another person’s credit account. Authorized users do not have the ability to access or spend on the credit account.

A credit report tradeline is simply an industry term to describe a credit account. If you have credit accounts, you therefore have tradelines. Tradelines come in the form of credit cards, lines of credit, car loans, mortgages, and payday advances. Here at Exchange Credit, we focus solely on credit card tradelines.

Credit card holders who use Exchange Credit are everyday people with a good credit history who want to help people looking to increase their credit scores for a limited period of time. They do this by selling their tradelines.

You will need to report the line that did not post to our Customer Support department. We will review your credit report to verify that the line did not post. If you have followed all the instructions and the line is not there, you will receive a comparable tradeline or a refund.