We legally add aged, authorized user trade lines to a consumer credit report. (Example, If your mom or grandma can add you to their credit card – than if the law claims to have equity (treat people equally) then our cardholders can add you on to their cards as well). It is now possible for a consumer with a 540 credit score, with no activity at all – to receive three new trade lines and have 780 credit scores or higher within 45 days. We also know which creditors “back date” the reporting from the actual opening date from the original borrower (these are reported as aged trade lines from 3 years old to 23 years old), and it is now possible that adding these trade lines can tremendously boost up your credit scores within 45 days.

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