Boost Your Credit Score Fast with Premium Authorized User Tradelines
See results in as little as 15–30 days — no hard inquiries, no new debt.
Adding a seasoned authorized user tradeline instantly layers years of on-time payment history, low utilization, and high credit limits onto your Experian, Equifax, and TransUnion reports. Whether you’re preparing for a mortgage, auto loan, apartment approval, or business financing, we match you with the right tradeline to help you reach your goal — fast. Florida-based, serving clients nationwide.
What Is an Authorized User Tradeline?
A tradeline is any credit account that appears on your credit report. When you become an authorized user (AU) on an established, well-maintained credit card, that account’s positive history gets reported under your name — without you ever touching, accessing, or being financially responsible for the card.
What You Get:
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A decade-plus of payment history added to your report
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Low credit utilization that helps your score💼
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High credit limits ($10,000+) 📈
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A potential 100+ point increase in a matter of weeks!
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Reporting on all three credit bureaus - Experian, Equifax & Transunion
In short: you borrow the strength of a strong account to lift your own profile.
Is a Tradeline Right for You?
Tradelines work best when you have a thin or recovering credit file and need a boost before a big financial move.
Clients come to us when they’re:
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Applying for a mortgage or refinance, and need to clear a score threshold
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Financing a car and want a better interest rate
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Getting approved for an apartment or rental
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Building toward business funding or higher credit limits
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Rebuilding after setbacks and want a faster head start
Here’s How It Works in 3 Easy Steps ✨
Step 1 — Apply Online
Click “Ready to Start,” fill out a quick secure form, and tell us your credit goal. It takes about 3 minutes.
Step 2 — Get Matched & Pay Securely
We set up your account and match you to the right tradeline for your goal. You’ll receive a secure payment link — no phone tag, no manual invoicing.
Step 3 — Watch Your Score Climb
Your tradeline posts to all three bureaus within 15–30 days. You stay on as an authorized user for 60 days, giving the new history time to work for you.
❤️Why Clients Choose M Lockhart
✅ Fast Posting – Tradelines report in 15–30 days
🔒 100% Secure – you never receive or access the physical card
🕒 Long Placement – stay on as AU for 60 days
💰 Bundle & Save – discounted pricing on 2 or 3 tradelines
📱 White-glove support - real guidance at every step
What You Need to Know
We believe in full transparency, so here’s the fine print up front:
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This service is for credit-building purposes only.
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You will not receive access to or use of the physical credit card.
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Results vary based on your current credit profile.
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AU placements are non-refundable once processed.
Ready to Boost Your Score?
Take the first step toward the credit profile you need. Apply online in minutes — we’ll handle the rest.
Frequently Asked Questions 🔍
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How much does it cost?
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$700 for one tradeline; $575 each for two tradelines
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How fast will I see results?
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Most tradelines post to all three bureaus within 15–30 days of placement.
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Will this hurt my credit or create a hard inquiry?
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No. Becoming an authorized user does not generate a hard inquiry, and you take on no debt.
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Do I get to use the credit card?
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No. You’re added as an authorized user for reporting purposes only. You never receive, see, or use the card.
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How long does the tradeline stay on my report?
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You remain an authorized user for 60–90 days, which gives the positive history time to benefit your score.
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Which credit bureaus will it report to?
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All three — Experian, Equifax, and TransUnion.
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How do I get started?
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Click “Ready to Start,” complete the short form, and we’ll set up your account and send you a secure payment link.
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