authorized user Archives

Amex Platinum Authorized User Benefits: Worth It?

People ask me this constantly: is it worth adding someone as an authorized user on an Amex Platinum? Usually they mean one of two very different things — will the authorized user get the lounges and the travel perks, or will it help that person’s credit. The Amex Platinum authorized user benefits that matter for travel are not the ones that matter for your credit score, and confusing the two is how people end up overpaying. I sell authorized user tradelines for a living, so I spend most of my time on the half of that question the points blogs skip — the credit half.

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$20,000 Tradeline: What That Limit Actually Buys You

The biggest card I ever had in the tradeline business was a $40,000 Bank of America card — right up until BoA noticed what I was doing with it and closed it (a story I tell partly as a warning and partly because it still stings). So when people search for a $20,000 tradeline, I know exactly what they’re picturing: a big limit landing on their credit report and doing big things. Sometimes that’s exactly what happens. Sometimes they’re about to overpay for limit they don’t need. This post is the math and the shopping advice I’d give a friend.

$20,000 tradeline effect on credit utilization: 90% before, 9% after

The Full Circle: How I Set Up My Tradeline Business to Run Itself

People who sell tradelines don’t talk about the setup much. Most of the content out there is aimed at buyers — how tradelines work, how much they cost, whether they’re worth it. But the seller side has its own logic, and once I had it figured out I realized the whole thing clicks together in a way I didn’t plan for. The most common questions I get are from buyers, but sellers are starting to find me too, and this post is for them.

Three Billing Cycles for Tradelines: Why I Switched

I’ve been selling authorized user tradelines for a few years now, and one thing I’ve been turning over in my head is the standard two-cycle product that most of the industry sells. Two billing cycles. Add the buyer, wait for two statement closes, remove them. That’s been the norm since before I got into this.

I’ve decided to move away from that. Going forward, every tradeline I sell — whether directly through this site or through the brokers I work with — runs for three billing cycles. Here’s why, and what it means if you’re thinking about either buying or selling tradelines.

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Tradelines for Sale 2026: What Buyers Need to Know

Every year around this time I get a wave of people asking whether tradelines are still worth buying. “Are they still working in 2026?” Short answer: yes. Longer answer: it depends on what you’re buying and who you’re buying from — and that part hasn’t changed since I started doing this.