Two separate reviews, two different jobs
Our internal team verifies the identity of the customer who will be added as the authorized user before an order is sent to a cardholder. Cardholders' accounts are reviewed after an order comes in. This page explains what each review involves, what information is collected, and what is passed on to cardholders.
Raquel Hudson, Editorial Reviewer
Reviewed October 9, 2026
How customer verification works
1. Customer provides information
During the order process or after the order is placed.
2. Our team reviews
Our internal verification team reviews the information and documents.
3. Approval before the cardholder
The order is sent to the cardholder only after the customer is approved. No exceptions.
4. Cardholder adds the AU
The cardholder receives the details needed to add the authorized user.
What we collect from the authorized-user customer
- Full legal name
- Date of birth
- Home address
- Full 9-digit Social Security number
- A government-issued photo ID or driver's license
- A photo of the customer's Social Security card or W-2
Our team verifies the identity of the customer who will be added as the authorized user. The customer can submit these during the order process or after the order has been placed. They must be provided so our team can complete verification and approve the order.
What cardholders receive
When the customer is approved, we give the cardholder the customer's full legal name, date of birth, home address and full 9-digit Social Security number so the cardholder can add the authorized user.
What the card issuer asks for or receives depends on the issuer. Some issuers ask for all four items and others ask for fewer.
No CPNs. No EINs.
TradelineScore requires the customer to provide their own Social Security number for identity verification. Credit Privacy Numbers (CPNs) and Employer Identification Numbers (EINs) are not accepted as substitutes.
If verification is not completed
If required information or documents are missing, our team requests the necessary information and provides an opportunity to resolve the issue. If verification cannot be completed, the order may be canceled and a refund issued. For general refund and cancellation terms, see our Refund Policy.
How cardholder accounts are reviewed
Cardholders are not asked for a government ID. Cardholders can list a card before it is reviewed. When an order is received, our cardholder operations team reviews the account statement and checks that the name on the statement matches the cardholder's registered name on TradelineScore. This happens before the order is fulfilled.
This is a statement and account review. It is separate from customer identity verification. Read the full requirements on How We Verify Sellers.
What we don't ask cardholders for
- The cardholder's own Social Security number
- Full credit card numbers
- CVV codes or card PINs
- Online banking or credit card login credentials
This is separate from what cardholders receive. Once a customer is approved, the cardholder receives that customer's name, date of birth, home address and full 9-digit Social Security number to add the authorized user.
At a glance
Before the cardholder
The customer must be approved before an order is sent to a cardholder.
Own SSN only
CPNs and EINs are not accepted as substitutes.
After an order
Cardholder statement and account review.
No ID for cardholders
Cardholders are not asked for a government ID.
Frequently asked questions
What is identity verification at TradelineScore?
It is the review our internal verification team completes on the customer who will be added as the authorized user, before the order is sent to a cardholder. Separately, after an order comes in, our cardholder operations team reviews the cardholder's account statement. These are two different reviews.
Whose identity does our team verify?
The customer who will be added as the authorized user. When a broker places an order for a customer, our team verifies the identity of the customer who will be added.
What information does the authorized-user customer provide?
The customer provides their full legal name, date of birth, home address and full 9-digit Social Security number. We also ask for a government-issued photo ID or driver's license, and a photo of the customer's Social Security card or W-2.
When are the documents submitted?
The documents can be submitted during the order process or after the order has been placed. They must be provided so our team can complete identity verification and approve the order.
Who reviews the customer's information?
TradelineScore's internal verification team.
Can an order go to the cardholder before the customer is verified?
No. An order must pass identity verification of the customer being added as the authorized user before it is sent to the cardholder. There are no exceptions. Until the customer is approved, the cardholder is not asked to add the authorized user.
What does the cardholder receive about the customer?
Once the customer is approved, we give the cardholder the customer's full legal name, date of birth, home address and full 9-digit Social Security number so the cardholder can add the authorized user. What the card issuer asks for or receives depends on the issuer. Some issuers ask for all four items and others ask for fewer.
Do you accept CPNs or EINs?
No. TradelineScore requires the customer to provide their own Social Security number for identity verification. Credit Privacy Numbers (CPNs) and Employer Identification Numbers (EINs) are not accepted as substitutes.
What happens if verification is not completed?
If required information or documents are missing, our team requests the necessary information and provides an opportunity to resolve the issue. If verification cannot be completed, the order may be canceled and a refund issued.
Are cardholders verified the same way?
No. Cardholders are not asked for a government ID. When an order comes in, our cardholder operations team reviews the account statement and checks that the name on the statement matches the cardholder's registered name on TradelineScore. This happens before the order is fulfilled. Cardholders can list a card before this review. We do not ask cardholders for their own Social Security number, full credit card numbers, CVV codes or PINs, or online banking or credit card login credentials.
Customers verified first. Cardholder accounts reviewed after the order.
Learn how cardholder eligibility works on How We Verify Sellers, or read our Refund Policy.