What Authorized User Tradelines does

Authorized User Tradelines (operating under Authorized Users LLC, with DBAs Authorized Users and CPN Friendly Tradelines) is a US-based, direct-to-consumer credit services company founded in 2001 and headquartered in the Los Angeles area. The company sells authorized user (AU) tradelines that allow credit-seeking consumers to be added as authorized users on seasoned credit card accounts with strong payment history, so that the primary holder's credit profile is reported to the major consumer credit bureaus (Experian, Equifax, TransUnion) and lifts the authorized user's score. The core technology is service facilitation rather than a proprietary platform, and the company does not operate a software product or AI-driven decisioning system.

Beyond AU tradelines, Authorized User Tradelines monetizes a broader suite of credit-building services. It sells Credit Privacy Number (CPN) packages combining alternative-identifier services with tradelines for consumers seeking to separate credit activity from their SSN, professional Credit Repair services (dispute-based removal of negative items, 40-60 day cycle), and Business Tradelines that report to Experian Business, Equifax Business, Dun & Bradstreet, and SBFE to help SMBs build commercial credit. A separate Sell Tradelines program recruits primary cardholders and pays $75-$350 per authorized user added, with up to 8 slots per card, creating a two-sided supply chain.

The go-to-market is consultative and direct: consumers reach the company through the authorizedusers.com website, phone (+1 714-594-5043), or email, with quote-based pricing per tradeline package. The company acquires customers primarily through SEO, an educational blog, a free credit-score simulator, and client testimonials, and claims 12-15 years of operating history and millions of customers served. All sales are domestic (United States), the legal entity is privately held with no disclosed institutional investment, and there are no partnerships, subsidiaries, M&A, or regulatory actions in the provided record.

Name

Authorized User Tradelines

Legal name

Authorized Users LLC

Website

https://authorizedusers.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

51–100 employees

Short description

Authorized User Tradelines is a US direct-to-consumer credit services company that sells authorized user tradelines, CPN packages, credit repair, and business tradelines to individual consumers and small businesses seeking to improve their credit scores.

Ownership category

akta.pro rank

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Supply Chain, Marketing or Sales, Personnel, Operations

Revenue model

1. Authorized User Tradeline Sales: The company facilitates authorized user tradeline arrangements, earning fees for connecting credit seekers with primary account holders who have established credit histories. These are one-time or short-term service fees for adding authorized users to credit accounts.
2. CPN Packages: Sale of Credit Privacy Number (CPN) packages that allow individuals to establish credit profiles using alternative identification numbers, combined with tradeline services.
3. Credit Repair Services: Professional credit repair services helping customers remove negative items from credit reports, with the company claiming the process takes 40-60 days.
4. Business Tradeline Packages: Primary business tradeline packages that report to business credit bureaus (Experian, Equifax, SBFE), helping businesses establish commercial credit profiles.
5. Tradeline Purchasing from Cardholders: The company recruits primary credit card holders with excellent payment history to become cardholders in their program. Cardholders earn $75 to $350 per authorized user added, with potential monthly earnings of $1500+ per card. This is a cost of revenue for acquiring tradeline inventory.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Authorized User Tradelines (operating as Authorized Users LLC) facilitates authorized user tradeline arrangements that allow individuals to be added to established credit card accounts with strong payment histories in order to boost their credit scores. The company also sells Credit Privacy Number (CPN) packages, offers credit repair services, and provides business tradeline packages that report to commercial credit bureaus.

Product overview

Authorized User Tradelines operates as a credit services company offering a suite of products centered on tradeline management. The core offering is Authorized User Tradelines, which enables individuals to become authorized users on established credit card accounts to boost their credit scores. This is complemented by CPN Number services and CPN Packages that combine credit privacy numbers with tradelines for users seeking to separate financial activities from their SSN. The company also offers Credit Repair services for removing negative items from credit reports, and Business Tradelines for business credit building. A secondary program allows cardholders with excellent credit to monetize their credit history by selling tradeline slots. The company reports to major consumer credit bureaus (Experian, Equifax, TransUnion) and business credit bureaus (Experian Business, Equifax Business, Dun & Bradstreet, SBFE).

Differentiator

Problem solved

Functional benefit

Products and services

• Authorized User Tradelines The core service that adds individuals as authorized users on established credit card accounts with strong payment histories, allowing them to leverage the primary account holder's credit history to boost their own credit scores without taking on payment liability.
• CPN Number

Quantifiable outcome

• Credit score improvements of 50+ points possible depending on tradeline strength
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Tradeline Supply Co: Direct-to-consumer authorized-user tradeline retailer operating the same AU piggybacking model with multi-bureau reporting. Closest direct competitor on product, customer segment, and pricing structure.
• Boost Credit: Tradeline reseller marketing AU tradeline packages to consumers seeking rapid credit score improvement, with a similar content-driven D2C funnel and tiered inventory of seasoned accounts.
• The Tradeline Company: AU tradeline broker selling seasoned tradelines to consumers and small businesses; comparable in pricing model, customer education focus, and bureau-reporting infrastructure.
• Coast Tradelines: Specialized tradeline provider focused on seasoned, high-limit AU accounts for credit profile building. Directly comparable on inventory, customer segment, and sales motion.
• Superior Tradelines: Direct competitor in the AU tradeline resale space, emphasizing seasoned accounts and rapid reporting. Comparable in product mix, pricing, and target customer.
• Sky Blue Credit: National credit-repair and credit-restoration firm offering dispute services plus add-on products; directly comparable on the credit-repair revenue stream and the bundling of repair with credit-building services.

Broad incumbents

• CreditRepair.com: Large, established consumer credit-repair brand with a national D2C funnel. Comparable on the credit-repair component and on the cross-sell of ancillary credit products, though it operates at greater scale and brand recognition.
• Lexington Law: Long-standing credit-repair law firm serving consumers nationwide. Comparable on the dispute/repair revenue stream and on educational content marketing, with broader legal-service scope.
• Credit Karma: Mass-market consumer credit-monitoring platform that funnels users into credit-card and loan products. Adjacent comparable on D2C credit education, free tools (akin to the score calculator), and monetization of credit-seeking consumers.

Others

• Credit Repair Cloud: SaaS platform that powers credit-repair businesses, including dispute workflows and CRM. Comparable as an ecosystem enabler for the credit-repair operator model, though it supplies rather than competes with tradeline retailers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Authorized User Tradelines