Understand the benefits of creating new credit accounts. When you create a new credit account, you accomplish a few things. First, you create a new tradeline, which is a new opportunity to have a positive record on your credit report. Secondly, opening new tradelines can improve your credit score by increasing your total available credit, and adding to the types of credit you have (providing you are very responsible with payments). [1] https://images.squarespace-cdn.com/content/v1/5911020fe58c62cd8c9789e7/1513830780174-GHG35FCHGNAUNWJ4ERSW/ke17ZwdGBToddI8pDm48kLPswmMOqQZ9-Q6KHLjvbpZ7gQa3H78H3Y0txjaiv_0fDoOvxcdMmMKkDsyUqMSsMWxHk725yiiHCCLfrh8O1z5QPOohDIaIeljMHgDF5CVlOqpeNLcJ80NK65_fV7S1UcaEU9usEQgaPMYSSHCLDdjcUDfwtSR5qjoqJbWx-aCIZDqXZYzu2fuaodM4POSZ4w/Cheat+Sheets_iphone8silver_portrait.png?format

Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if the information is found to be inaccurate, the provider may not report it again. https://images.milled.com/2019-05-02/5CrqsVZPYL2e6fDJ/[email protected]
In terms of credit scores: Usually, high 400s, low 500s means there are currently negative items recently reporting. Usually, that prevents the tradelines from impacting credit scores as much as they should. I would recommend you contact [email protected] or call him at 321-799-6159 to discuss a full range of credit solutions (in addition to tradelines). https://dcassetcdn.com/design_img/3369732/690918/690918_18488961_3369732_d7f6d5fa_image.jpg
(1) Charge or receive any money or other valuable consideration prior to full and complete performance of the services the credit service organization has agreed to perform for the buyer, unless the credit service organization has obtained a surety bond of $10,000 issued by a surety company admitted to do business in this state and has established a trust account at a federally insured bank or savings and loan association located in this state; however, where a credit service organization has obtained a surety bond and established a trust account as provided herein, the credit service organization may charge or receive money or other valuable consideration prior to full and complete performance of the services it has agreed to perform for the buyer but shall deposit all money or other valuable consideration received in its trust account until the full and complete performance of the services it has agreed to perform for the buyer;..."

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Hey Rell, that’s not really how it works. We could have 1000 tradelines and you may not get an 800 credit score. It’s much more complicated than that. You can call us at 800-431-4741 for a full discussion, but my quick advice here is this: Start with your goal, find out if tradelines will help achieve that goal and move from there. “800 credit score” isn’t really a goal, unless your lender said “You need an 800 credit score.” So, start with your end state (which isn’t necessarily a credit score) and figure out if tradelines will help you get there. https://www.ypi.org/wp-content/uploads/2019/05/attachment1.jpg
Another tactic to raise your credit score by 200 points or more is to try to get inquiries removed from your report. Every time you apply for credit or a loan, the lender checks your credit report, and this check goes on the report. If you have applied for lots of credit accounts and been denied — or even if you have been approved, it makes it look like you are desperate to get more goods and services than you can afford.

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In cases where you are not approved, you can typically get a local bank or credit union to give you a secured credit card. In this case, you will secure the line of credit by handing them cash rather than them giving you a line of credit based on trust. This is a secured line of credit. The difference between an unsecured and secured line is that the former is based on trust while the latter is based on pre-paying for a card. Both are “tradelines”. https://media.brstatic.com/2018/12/18095020/new-Experian-platform-could-lead-to-higher-credit-scores.jpg
When you purchase a seasoned authorized user primary tradeline from ustradelines.com we guarantee that the seasoned authorized user primary tradeline will post to your credit report or we will refund the cost of the seasoned authorized user primary tradeline you purchased.  One of the most frustrating things when you are trying to repair your credit is to purchase a seasoned authorized user primary tradeline and  find out later that the authorized user tradeline that you expected to post to your credit report did not show up. https://i.ytimg.com/vi/JHeT1vUAkPg/hqdefault.jpg
Help…….Had a Bk7 that’s 4 years old (kidney transplant) and 9 items that have reported late (2016) in the past. All have been current for the last several months though I’m needing to boost my scores (currently 600 across the board ) in the up coming months for mortgage processing. My oldest trade line on my credit is showing 16 years, how is this process completed moving forward?
That depends what is in your credit files and the authorized user accounts you'll be adding to your credit reports. This is why it's important to let us help you select the appropriate credit trade lines. By the allowing us to assist you with your selection of we can make sure you select the right accounts that you need to help you achieve your goals. https://scontent-sjc3-1.cdninstagram.com/vp/0e511cbd70be185e254911309251d4fb/5DB1F7BB/t51.2885-15/e35/c0.175.1406.1406a/s320x320/65099217_381457682484156_7759110949542157340_n.jpg?_nc_ht
Pay off your debt instead of repeatedly transferring it to new accounts. Contact the debt collector listed on your credit report to see if they’d be willing to stop reporting the debt to each major credit bureau (Equifax, Experian, and TransUnion) in exchange for full payment. This technically violates some of the collectors’ agreements with the credit bureaus, so it may be a non-starter, but it never hurts to try. https://image.isu.pub/190409225054-1f10767b13e9e58fcf4123055d445738/jpg/page_1.jpg
Even closing an account won’t make your late payments disappear. Your best bet here is to get yourself back on the right track — set up payment due date alerts with all your credit cards and loans and get organized. You can move credit card payment due dates around pretty easily on your bank or lender’s website. Be sure to check your payment due dates in relation to your paycheck schedule.
Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
When it comes to anything with credit repair I am always skeptical given the large amount of incorrect or incomplete information out on the internet. I own a credit repair business and have done all types of business and personal funding and asked some very hard questions when I initially reached out to them. Tommy was amazing and most importantly he was so honest and didn't try to fluff anything up. I actually learned a lot from him about credit and authorized users. I started working with them by adding individuals to my cards and I can tell you the checks are real :) This team of people are impeccable with their word and always follow through with what they say when they say it. I would recommend Tommy and his team to anyone looking to work with someone in this industry.
They are the same as any trade lines of credit… seasoned tradelines, authorized user tradelines, etc. It’s just a term general enough to cover all of the categories. Typically, those searching for credit tradelines are looking for a way to add credit tradelines to their credit report in order to boost your score. That is what we do here at Superior Tradelines. https://tradelines.club/wp-content/uploads/2019/04/Share-My-Good-Credit-300x300.jpg
It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider. https://i.ytimg.com/vi/54HtpNMQr0c/maxresdefault.jpg
That depends what is in your credit files and the authorized user accounts you'll be adding to your credit reports. This is why it's important to let us help you select the appropriate credit trade lines. By the allowing us to assist you with your selection of we can make sure you select the right accounts that you need to help you achieve your goals. https://img.yumpu.com/56594123/1/500x640/diaspora-boost-my-bonus-offer.jpg
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However, when you do have open credit accounts, lenders and all 3 credit bureaus are able to determine how likely you are to repay the loan or line of credit you’re in need of. And typically, the more credit accounts you have in good standing, the higher your credit score will be. But if you’re one of the more than 43 million people who, according to research, could use a boost in their credit score, adding authorized user tradelines to your credit report is by far the best and fastest way to build credit and increase your credit score.


By the way, don’t use a credit card for a big bill if you plan to carry a balance. The compound interest will create an ugly pile of debt pretty quickly. Credit cards should never be used as a long-term loan unless you have a card with a zero percent introductory APR on purchases. Even then, you have to be mindful of the balance on the card and make sure you can pay the bill off before the intro period ends. https://cdn.boostmyscore.com/wp-content/uploads/2018/09/Boost-My-Score-Aug-2018.jpg


Here, at Superior Tradelines, we give clients a 15 to 45-day window. While we’ve seen rare cases of reporting in just a few days, we are comfortable saying the soonest you will see the line is in 15 days. This gives us time to handle agreements, payments, and otherwise facilitate the transaction. The reason it can take up to 45 days is a result of the line selected. If today is the 1st, and you pick a line that reports on the 28th, then you are waiting 27 days before the line even reports to the bureaus. And, as you’ve seen above, you have another few days before the line hits across all three credit bureaus.
If you’ve filed for bankruptcy, gone into foreclosure or suffered through a short sale, you may be wondering when the credit score misery ends. How long will it really take to get out of the credit score hole you’re in? For all of these mistakes, your credit score takes the biggest hit when it first hits your credit report, but its impact will lessen over time and eventually that account will disappear from your credit report due to federal laws that limit the amount of time it can impact you.

A report published by the Federal Reserve Board reported "This is possible because creditors generally have followed a practice of furnishing to credit bureaus information about all authorized users, whether or not the authorized user is a spouse, without indicating which authorized users are spouses and which are not. This practice does not violate Reg. B" [1] https://www.cardrates.com/wp-content/uploads/2017/08/credit-limit-442x230.png

You should look for their brand. You should be sure that their website has a lot of content. Look for their faces on the site. Look for direct contact information. Once you have a level of comfort, you should call them (don’t let them hide behind emails… get on the phone so you can use your judgment and evaluate their worthiness for your business). https://keyassets.timeincuk.net/inspirewp/live/wp-content/uploads/sites/2/2017/04/PINOT-Thibaut012p.jpg
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

It’s a good question. It isn’t a matter of “looking suspicious.” Anyone in the Country has a right to add anyone they want as an authorized user on one or more of their credit cards. However, there are underwriting guidelines that can question whether the tradeline “is an accurate representation of” a borrowers credit worthiness. The example you raise, is a good one. I think 11,000 to 25,000 is okay. I think 11,000 to 50,000 might not be an accurate representation. Lenders will scrutinize someone with 4 collections, no primaries and everything else authorized user tradelines. They will say “Yeah, great score, but this isn’t you…”. In cases that make more sense, underwriters will actually accept the AU and the benefit the client enjoyed from it.
Demba, unfortunately, that question is impossible to answer, as posed. It requires way more information in order to accurately answer it. There’s been studies that show an average of 24 points per authorized user. However, that study was not using FICO scores (or scores lenders will likely use for you). The bottom line is that the answer to your question depends one why your credit score is a 550. If it is a 550 because you have a substantial amount of negative items, then don’t expect much from tradelines. If it is a 550 because you simply have no credit, then you can expect large increases credit scores. https://www.usffcu.com/files/usffcu/1/image/Blog_images/credit.score.jpg
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions. https://dealerimages.dealereprocess.com/image/upload/1532020.jpg

Resources, like consumer credit counseling, are available to assist you. If you are overwhelmed by your credit situation, seek professional assistance. You can locate a credit counseling agency through the National Foundation for Credit Counseling. You also can refer to your credit card billing statement for a phone number to call if you're experiencing trouble making your payments. https://i0.wp.com/metro.co.uk/wp-content/uploads/2019/03/SEI_58801787.jpg?quality
You can’t go back and retake Calculus junior year, can you? But let’s say your credit score is not exactly perfect — a few late payments on cards, or loans — it doesn’t mean lenders will blacklist you for life. If you get your financial house in order, which is often as simple as starting to make regular on-time payments on your credit cards and loans, then over time your score may rebound. While your school transcript will always show that C+ in AP History, your credit score only shows your current creditworthiness. It lets lenders evaluate how much of a risk you are, as well the type of interest rates you’ll get, whether for credit cards, a car loan, a personal loan or mortgage.
Every situation is different and you could see a similar, lower, or higher increase based on your credit and the number of tradelines you purchase. To find out how to use tradelines to increase your credit scores visit our page called ideal tradeline candidate to see several scenarios where tradelines work to resolve credit issues. Tradelines work best in scenarios where you have no credit, not enough tradelines, or have nearly maxed out or maxed out your credit. http://insuregreatcredit.com/wp-content/uploads/2018/04/credit-cards-300x199.jpg
It involves identifying questionable negative items on your credit reports and challenging the items in question. But, it can also require following up with the credit bureaus and to get the negative items from your credit reports removed. If you have been a victim of identity theft, it is highly likely that you have multiple accounts that need to be disputed.
Step 1: Tell the credit reporting company, in writing, what information you think is inaccurate. Use our sample letter to help write your own. Include copies (NOT originals) of any documents that support your position. In addition to including your complete name and address, your letter should identify each item in your report that you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, “return receipt requested,” so you can document that the credit reporting company got it. Keep copies of your dispute letter and enclosures.
Removing negative data takes far longer than putting on positive data. Since the credit reports have a month to respond at the quickest, the fastest you can expect is to improve credit score in 30 days. And even then, just removing negative data might not move your score significantly, as without things helping to push your score up, the negatives dropping off may not affect your score, if at all, though you’ll be in a great position for large jumps at that point adding tradelines as this one of the best ways to improve credit scores fast. https://cache-blog.credit.com/wp-content/uploads/2019/03/three-pretty-charming-successful-girls-holding-colorful-shopping-bags-picture.jpg
For home buyers who have no credit history or credit history that is very short there is a solution for you to achieve your goal of becoming a homeowner. Your lack of credit history does not have to spell the end of your goal of becoming a homeowner. The hurdle you face can be overcome by simply buying one or more tradelines. Buying a tradeline allows a person to design their credit report to look exactly like an ideal borrower that lenders seek. UStradelines.com sells several tradelines to enable customers to improve their credit history and FICO scores to achieve their financial goals. https://www.cardrates.com/wp-content/uploads/2016/02/Citi-Credit-Limit-460x240.jpg
While it's perfectly logical to think that your score will increase when our positive tradelines suddenly appear in your credit file, it is critical to understand that your credit report changes every day, as new information is posted and other information falls off. For this reason, we obviously cannot and do not guarantee you will receive any specific increase to your credit score, nor do we guarantee you will be approved by any lender for a loan, as those decisions are entirely up to the lender and is something we have no control over. https://www.listenmoneymatters.com/wp-content/uploads/2017/01/Debitize1.png
Thanks for the offer, and while we’d love to work with you, we cannot do what you proposed. One of the reasons clients and affiliates (those who buy tradelines from us for their clients) trust us is that we require exclusivity among our cardholders so that the poor business practices of other companies do not impact our business (or yours). So, when we onboard a cardholder like you, we want to maintain that relationship to the best of our abilities and cannot allow third-party companies to interfere with that goal. If you’d like to speak further about this, please call 800-431-4741. Thanks!
My credit score was Extrememly low because for many years I did not want to get myself in debt and purposely avoided all credit cards and loans altogether. Took me too long to realize the error in my ways (I’m 45). But I do now. In the last few months I’ve added two new credit cards (low credit line to start) to take my score from 500 to 576 which is a start. I keep my utilization low and pay off full balance immediately. I have a decent income of 100k. My questions, if you please, are as follows: Is there a minimum score that you would accept to add a tradeline?; How long does it typically take to have an impact on your score; and lastly, how long do you “rent” the credit for? THANK YOU!! https://improvemycreditfitness.com/wp-content/uploads/2019/01/ELAN-2-1-300x300.jpg
Paying a debt doesn’t automatically erase the late payments you made in the past. So while you will eventually need to pay all the debts (unless you declare bankruptcy, which will destroy your credit score), in some instances, doing so will not immediately improve your credit score. So if you’re looking to raise your credit score 200 points, first pay the creditors who will delete their filings on your report. http://www.swsol.org/wp-content/uploads/2016/01/1531905_10152102071594421_601532340_o.jpg
Obviously, your credit report and credit scores change every single day, as new data appears, and items fall off. The BoostMyScore clients who see a boost to their credit scores from our tradelines typically do not have any new negative information appear in their credit reports at the same time as our tradelines. For this reason, please understand that results may vary, and a boosted credit score cannot be guaranteed.
As you begin the process of improving your credit score, keep in mind that it’s a marathon and not a sprint, but improving your score is worth the effort. A poor credit score can potentially cost you tens of thousands of dollars over the course of a lifetime. It can also become a source of serious stress, making you feel like you just can’t leave the mistakes of the past behind and move on.

Thanks for the offer, and while we’d love to work with you, we cannot do what you proposed. One of the reasons clients and affiliates (those who buy tradelines from us for their clients) trust us is that we require exclusivity among our cardholders so that the poor business practices of other companies do not impact our business (or yours). So, when we onboard a cardholder like you, we want to maintain that relationship to the best of our abilities and cannot allow third-party companies to interfere with that goal. If you’d like to speak further about this, please call 800-431-4741. Thanks! http://scoophike.khulasaa.in/wp-content/uploads/2019/06/Do-inquiries-for-preapproved-offers-affect-my-credit-score.jpg
Going forward, make every effort not to neglect other bills like utility and phone bills or medical bills. A paper bill that comes in the mail can easily get lost, so it’s a good idea to have automatic payments set up for your utilities. Also, keep an eye out for medical bills. If you are not expecting them, you may throw the bills away without opening them, mistaking them for junk mail. https://www.cardrates.com/wp-content/uploads/2017/06/can-i-use-my-walmart-credit-card-anywhere-442x230.jpg
Traditionally, many parents have been advised to add their kids to their credit cards as authorized users to help establish credit early on to help them get a head start in life. Sadly, not everyone has that parent with good credit to do that. Additionally, a large scale study of 300,000 credit profiles concluded that approximately one-third of our entire nation has one or more authorized user tradelines in their credit file and those people are benefitting from those tradelines. This same study pointed out that minorities and the lower demographic sectors were less likely to have this benefit, which is further evidence of the inequality that exists in our financial system. https://i.ytimg.com/vi/zgHtlTmEaKQ/maxresdefault.jpg
Unfortunately, all these outstanding attributes may not be enough if you do not have sufficient credit history. Lenders prefer to give mortgages to buyers who have more than one tradeline and several years of credit history. For home buyers with several tradelines and several years of history you should be able to secure a mortgage without difficulty. https://moneytothemasses-leadenhalllearni.netdna-ssl.com/wp-content/uploads/2019/07/screen_3x-4-300x200.jpg
Here, at Superior Tradelines, we give clients a 15 to 45-day window. While we’ve seen rare cases of reporting in just a few days, we are comfortable saying the soonest you will see the line is in 15 days. This gives us time to handle agreements, payments, and otherwise facilitate the transaction. The reason it can take up to 45 days is a result of the line selected. If today is the 1st, and you pick a line that reports on the 28th, then you are waiting 27 days before the line even reports to the bureaus. And, as you’ve seen above, you have another few days before the line hits across all three credit bureaus.
Apply for credit accounts through department stores and merchants. Gas stations, credit unions, department stores, furniture retailers and jewelry stores are among creditors who sometimes have relatively lenient qualification processes and are, therefore, good places to start if you don't already have strong credit. These cards usually offer discounted purchases from the store as well.[2]

Negative information on your credit report can lower your credit scores. That information remains on your credit report for a set period of time. For example, late payments appear for seven years from the date you first missed a payment. Paying off a collection account won't immediately remove it from your credit report. Bankruptcies can remain on your report for seven to ten years, depending on the type of bankruptcy. The good news is, all negative information will eventually cycle off your credit report. Until it does, focus on the things you can positively influence, including paying all your bills on time. https://i.ytimg.com/vi/W-wxqyUnSQ4/maxresdefault.jpg

While it's perfectly logical to think that your score will increase when our positive tradelines suddenly appear in your credit file, it is critical to understand that your credit report changes every day, as new information is posted and other information falls off. For this reason, we obviously cannot and do not guarantee you will receive any specific increase to your credit score, nor do we guarantee you will be approved by any lender for a loan, as those decisions are entirely up to the lender and is something we have no control over. https://scontent-yyz1-1.cdninstagram.com/vp/0e730eb8a93e98d0b478bd963cd0d3b5/5DEF6689/t51.2885-15/sh0.08/e35/c0.102.816.816a/s640x640/66505567_470536167113522_108188724995971499_n.jpg?_nc_ht
Credit scoring involves complex calculations, and the more you know about how credit reports and credit scores work, the more you can take control of your own credit. In addition to knowing the most important factors considered in credit scoring, it can be helpful to know a few other facts about credit reports and credit scores. These components tend to be the most important: http://oncomplete.co/wp-content/uploads/2019/01/improving-credit-increase-my-score-reddit-uk-boost-overnight-canada.jpg
You should look for their brand. You should be sure that their website has a lot of content. Look for their faces on the site. Look for direct contact information. Once you have a level of comfort, you should call them (don’t let them hide behind emails… get on the phone so you can use your judgment and evaluate their worthiness for your business). https://keyassets.timeincuk.net/inspirewp/live/wp-content/uploads/sites/2/2017/04/PINOT-Thibaut012p.jpg
Thanks for the information. I won’t be able to give you advice worthwhile because I would need to know more about how those items are reporting. If you have accurate negative items, that’s one course of action. If you have inaccurate negative items, that’s a different course of action. So, the best thing you could do is go to https://superiortradelines.com/start/ and reach out to us. We will perform a free credit report analysis and you will know where you stand. https://cdn.boostmyscore.com/wp-content/uploads/2018/05/Social-Credit-Score-1.jpg
Tradelines can be used in situations where you have a few blemishes, such as late payments, foreclosures, collections. In these scenarios you will have to purchase several tradelines and enough time would have to pass to reduce the impact. It is always a great idea to know the credit requirements of your lender before you apply so that you do not end up wasting your time and money. If you talk to your lender and ask enough questions you will be able to find out what the requirements are and whether you will qualify or not. https://d2e70e9yced57e.cloudfront.net/common/product/images/creditcards/500/surge-mastercard-09183196c.png

Because the application of tradeline is so nuanced, it is important to know every detail before adding it to your credit file. Or better yet – hire someone who knows all of that! So, instead, we’re going to focus on buying tradelines from tradeline companies. This is what we mean when we say tradelines for sale. A company, like Superior Tradelines, LLC, specializes in seasoned tradelines. We have a portfolio of authorized user accounts. If you recall in the government study, this arrangement is “piggybacking.”
If your debt feels overwhelming, it may be valuable to seek out the services of a reputable credit counseling service. Many are non-profit and charge small or no fees for their services. You can review more information on selecting the right reputable credit counselor for you from the National Foundation for Credit Counseling. Credit counselors can help you develop a Debt Management Plan (or DMP) and can negotiate to reduce your monthly payments. In many cases, you'll be responsible for only one monthly payment to the credit counseling service, which will then disburse funds to all of the accounts you owe on.
Tradelines for sale provide the opportunity to increase your credit score by being added to positive account (or “tradelines”) as an authorized user. Tradelines for sale is the only product/service we offer and we have perfected this specialty. If you’re looking to increase your credit score to secure a mortgage, auto loan, etc., you’ve probably sought tradelines for sale. In doing so, you’ve probably come across a lot of questions and concerns. That’s what this page is designed to address… your questions, comments, and concerns. Read our frequently asked questions, see examples and post comments, below. https://pbs.twimg.com/media/EEwQ-anXUAI8DiK.jpg
When you purchase a seasoned authorized user primary tradeline from ustradelines.com we guarantee that the seasoned authorized user primary tradeline will post to your credit report or we will refund the cost of the seasoned authorized user primary tradeline you purchased.  One of the most frustrating things when you are trying to repair your credit is to purchase a seasoned authorized user primary tradeline and  find out later that the authorized user tradeline that you expected to post to your credit report did not show up. https://i.ytimg.com/vi/JHeT1vUAkPg/hqdefault.jpg
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