Sell Authorized User Tradelines
An honest look at earning by adding identity-verified buyers as authorized users - including what to know before you start.
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Reviewer
Written by TradelineScore · Updated October 26, 2026
Raquel Hudson, Editorial Reviewer - Reviewed October 21, 2026
If you have credit cards with strong payment history, low balances, and real age, you may be able to earn by allowing buyers - each one's identity verified by TradelineScore's verification team before an order is released to you - to be added as authorized users for a set period. Your payment is held through Confirmed Identity, an independent third-party payment-holding provider, and released only after all of the order’s verified release conditions are met - never before the Final Reporting Date. You add and remove authorized users yourself, directly through your own card issuer.
See the full step-by-step guide →What to Know Before You Start
This is worth being direct about, since it affects your own credit accounts: some card issuer agreements restrict or prohibit assigning or transferring account access for compensation, and banks commonly monitor for accounts with an unusually high number of authorized users added over time. This isn't specific to any one platform — it's a real consideration across the industry, not something we can promise away.
We can't guarantee your specific issuer won't flag activity on your account, and no legitimate platform should claim otherwise. What we can do is help you understand your own risk before you commit — review your card issuer's actual cardholder agreement, and consider starting with a single card to see how the process feels before listing others.
How It Works
You never share your card or account credentials with buyers
Buyers appear only as an authorized user for reporting purposes
Funds are held under the order terms until the order’s release conditions are met
The authorized user is removed from your card at the end of the agreed period
Review our AU Tradeline Seller Requirements →
The Process, Step by Step
Register Your Card
Submit your eligible credit card details through the seller form.
Get Matched with a Buyer
Your card is matched based on its age and limit against real buyer demand.
Add the Authorized User
You receive clear instructions to add the buyer to your account.
Verify Posting
Confirm the tradeline posted using your dashboard.
Get Paid
Payment is released only after all verified release conditions are met: the posting requirement is met, the Final Reporting Date and the order's Dispute Period have passed, posting is affirmatively verified, and any qualifying issues are resolved. Meeting the reporting requirement does not trigger immediate payment by itself.
What Affects Your Earnings
We won't give you a specific number here, and any platform that does without knowing your actual cards should be treated with skepticism. Payout is set per order under its verified terms and released only when the order's verified release conditions are met.
A posting standard, not an earnings factor: an authorized-user line counts as posted when it reports to at least two of the three major credit bureaus (Experian, Equifax or TransUnion). Reporting to a third bureau does not increase cardholder compensation, and all other payout conditions still apply.
Your Seller Dashboard
Your dashboard lets you manage listings, track authorized-user assignments, verify removals, and view payment status.
For independent background, see Experian's overview or the underlying Federal Reserve research on authorized-user accounts.
Frequently Asked Questions
How much can I earn by selling tradelines?
There's no fixed average we can honestly give you: payout is set per order under its verified terms. The two-bureau standard determines whether a line counts as posted; reporting to a third bureau does not increase compensation, and all other payout conditions still apply. See our Payout Guide for how this actually works.
Could selling tradelines affect my relationship with my card issuer?
It's a genuine consideration. Some issuer agreements restrict assigning account access for compensation, and issuers may monitor accounts for unusual authorized-user activity. Review your own cardholder agreement, and consider starting with one card before listing others.
What credit cards are eligible?
Cards that generally qualify: at least 6 months old (no exceptions), active and in good standing, no late or derogatory history, utilization strictly below 10%, and able to report authorized-user lines to at least two of the three major credit bureaus. There is no fixed minimum credit limit. Your card can be listed before review. When an order comes in for your card, the cardholder operations team reviews the account’s statement and eligibility before fulfillment. See our eligibility requirements for detail.
How long do authorized users stay on my account?
Most listings run two to three billing cycles. You retain visibility and control throughout.
How do I get paid?
Payment is issued through Paychex after all of the order’s verified release conditions are met: the posting requirement met, the Final Reporting Date and the order-specific Dispute Period passed, posting affirmatively verified, and any qualifying issues resolved. Payment is never released before the Final Reporting Date.
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