Authorized User Platform

Join our Authorized User Program today and take the first step towards rebuilding your credit. Experience the benefits of having a trusted partner by your side. Together, we’ll work to enhance your credit profile and improve your financial opportunities.

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How It Works

Becoming an Authorized User (AU) means you’re added to a trusted, long-standing credit card account. The card’s age, limit, payment history, and utilization are reflected on your credit report—without you ever touching the card.

  • No hard inquiries

  • No credit checks

  • No spending or liability

  • Works with all 3 major credit bureaus

Is this for You

This is Perfect if you Want To: 

  • Raise your credit score fast
  • Qualify for a car, mortgage, business loans, and more
  • Rebuild your credit after past issues
  • Establish a strong credit profile for the first time
  • Unlock better interest rates, approvals, and opportunities

OUR PRICING PLANS

Get added to specifically tailored credit cards as an Authorized User to instantly improve your score, reduce utilization, and strengthen your profile — no credit check required.

Foundational Credit Card

20/mo or 200/yr $ For: First-time credit builders or those recovering from credit damage
  • Card age: 1-2 years
  • Limits: $2,000 – $5,000
  • Affordable pricing
  • Quick reporting (15–30 days)
  • Good for establishing Payment History and Credit File Thickness

Growth Credit Card

50/mo or 500/yr $ For: Clients with thin credit files looking to strengthen utilization and age
  • Card age: 2–4 years
  • Limits: $5,000 – $15,000
  • Moderate pricing
  • Boosts both average age of accounts and credit limit
  • Helps prepare for approvals (loans, cards)

Seasoned Credit Card

80/mo or 800/yr $ For: Clients preparing for funding, mortgage, or large financial milestones
  • Card age: 5–10+ years
  • Limits: $15,000 – $35,000+
  • Best for maximizing creditworthiness
  • Perfect for use in bundle packages or superior plans
Popular

Jess, IL

"I went from a 573 to a 680 in less than 45 days and got approved for a real credit card again!"

Andre, TX

"This helped me get approved for my first business card after being denied multiple times. Thanks"

Anthony, IL

"My score jumped 78 points after becoming an authorized user. Thanks for explaining in depth as well."

Bundles
Give your credit profile a powerful lift with our Authorized User (AU) tradelines. Choose an individual slot or upgrade to one of our bundled plans for accelerated results and savings.

Starter Credit Boost

$ 250
/6 months
  • Authorized User tradeline (age: 1–2 years | limit: $3K–$5K)
  • 15-minute credit consultation
  • Credit report analysis (Experian, Equifax, TransUnion)
  • Credit score tracking tips
  • DIY dispute template pack (PDF)
  • Credit Monitoring Setup

Premium Credit Boost

$ 700
/6 months
  • 2 Authorized User tradelines (age: 2–4 years | limits: $4K–$7K)
  • 30-minute 1:1 credit consulting session
  • Personalized 90-day credit strategy plan
  • Credit Building Bundle
  • Monthly score tracking worksheet
  • Everything in the Starter Bundle

Ultimate Credit Boost

$ 995
/6 months
  • 2 Authorized User tradelines (age: 4-10+ years | limits: $9K–$17K)
  • 1-hour strategy session
  • Deep credit file audit + action plan
  • Letter creation for: late payments, inquiries, collections
  • Priority support + 1 monthly check-in
  • Everything in Starter and Premium Bundles

Superior Credit Boost

$ 1400
/6 months
  • 2 Authorized User tradelines (age: 5–10+ years | limits: $16K–$35K)
  • Unlimited 1:1 consulting for 90 days
  • Personal and business credit roadmap
  • VIP client dashboard + lifetime support access
  • Priority tradeline placement
  • Everything in Starter, Premium, and Ultimate Bundles

Step-by-Step Process

  • Step 1 – Fill out the Authorized User Interest Form 

  • Step 2 – We will follow up with you regarding our Authorized User Program

  • Step 3 – We add you as an authorized user.

  • Step 4 – You monitor your report for updates in 15–30 days

  • Step 5 – We remove you after contract period(unless renewed)

Name
Which Card/Bundles are you interested in?
Get added to specifically tailored credit cards to instantly improve your score, reduce utilization, and strengthen your profile — no credit check required.

Key Advantages

Rapid Credit Score Boost

Adding clients as authorized users to seasoned, high-limit credit cards can result in:

  • Fast reporting (within 30–60 days) to major bureaus

  • Significant increases in credit scores — often 50 to 100+ points

  • Ideal for those with thin files or rebuilding credit

Leverages Age and Limit of Strong Accounts

We offer seasoned cards (some 5–10+ years old) with high limits:

  • Improves average age of accounts

  • Lowers credit utilization ratios

  • Adds positive payment history, which is 35% of a FICO score

No Hard Inquiry or Credit Check

Unlike traditional credit applications:

  • There’s no credit pull or hard inquiry

  • Clients can be added even if they have poor or no credit history

  • It’s a risk-free credit-building strategy

Professional Support & Transparent Pricing

  • Transparent pricing tiers ($20–$80/month)

  • Monthly and annual options

  • A well-documented AU agreement and client onboarding

  • Expert support to help clients understand the strategic use of AUs for credit growth

Our Success Stories

“Thanks to their guidance, I was able to repair my credit score and secure a business loan. Their honest advice made all the difference!”
John T. Entrepreneur
“I never thought I could get my credit back on track. Their support was incredible, and now I feel financially confident to expand my aspirations.”
Samantha C. Social Media
“They really understood my situation and helped me create a solid plan for my finances.”
Emily S. Freelancer

FAQ
Your questions answered simply and clearly.

The Authorized User Program allows you to improve your credit by being added to a trusted account. This partnership helps you build a positive credit history by leveraging the good payment history of the primary account holder. It’s a straightforward way to gain the benefits of credit.

To join our program, you must be at least 18 years old and have no recent bankruptcies or severe delinquencies. We aim to create a responsible credit environment, so we assess potential participants to ensure the best outcomes.

No. You are added strictly as a non-spending authorized user.

Our fees are competitive and transparent. The costs will depend on the specific line of credit you choose. We offer a clear breakdown during the consultation so you know exactly what to expect.

Typically, you may start to see improvements in your credit score within a few months. However, results can vary based on individual circumstances and how actively you monitor and manage your credit alongside our program.

Absolutely! Our dedicated support team is here to assist you every step of the way. Whether you have questions or need guidance, we are committed to your success and are just a message away.

Turn Opportunity into Access — Instantly Boost Your Credit with Trusted Tradelines from 800 Credit Collective. Where Legacy Accounts Create New Beginnings