Interactive Tool · FCRA §605
See exactly how adding tradelines impacts your score, with our interactive calculator backed by real FICO modeling.
Education
Any account that appears on your credit report, credit card, loan, line of credit. Each has a limit, balance, payment history, and date opened.
A primary cardholder adds you to their account. The issuer reports the tradeline (with ECOA code 3) to the bureaus, and FICO factors it into your score.
Permitted under FCRA §605 and Regulation B (ECOA). Banks are required to report accurate authorized user data; FICO is required to consider it.
The Calculator
Adjust your profile and pick a scenario, projections update in real time.
Tradelines add positive, on-time payment history copied to your report.
New limits expand your available credit, utilization can drop dramatically.
Old tradelines pull your average age of accounts up immediately.
Adds a revolving account if you're heavy on installment loans.
No hard inquiry from being added as an authorized user.
Added 2 tradelines (18y/$30K + 12y/$25K). Avg age 1.5→8.2y. Utilization 78→22%.
1 premium tradeline (22y/$100K). Qualified for conventional mortgage. Saved $47K in interest.
3 mixed tradelines. Auto loan APR dropped from 18% to 6.5%.
Authorized user reporting is permitted; furnishers must report accurately and consistently.
Regulation B protects authorized user reporting, including spouses, family, and household members.
Disclosure and substantiation rules, no guarantees of specific score outcomes.
We are NOT a tradeline mill. We focus on family-added AUs and primary tradeline building you actually own.