Understand the responsibilities before you list
Review eligibility, the order process and payout conditions before deciding whether to offer an authorized-user placement. Selling a placement is not risk-free. Listing a card does not guarantee an order or income.
Reviewer
Reviewed October 7, 2026
Raquel Hudson, Tradeline Specialist
More than a decade of experience in tradeline placement, credit report analysis, and client support.
What your card needs to qualify
Every account/line is individually reviewed and must pass TradelineScore’s inspection before it can be listed. That account review is not a claim that every seller or cardholder identity is independently verified.
Active account
The card must remain active to appear in live inventory. Keep it in good standing and follow your issuer’s requirements.
No derogatory or late-payment history
A card with any derogatory or late-payment history cannot be accepted, regardless of how old that history is.
Utilization below 10%
Utilization must remain below 10% at all times. If it reaches 10% or higher while an AU order is active, that order must be canceled and the affected buyer refunded.
Individual account review
The account must be at least 6 months old. There is no fixed minimum credit limit. Buyers may compare age and limit as listing information, but those details do not promise demand or a higher payout.
Currently accepted issuers
TradelineScore currently accepts eligible accounts from Chase, Bank of America, TD Bank, Alliant Credit Union, Citi, U.S. Bank, PNC, Elan Financial, Capital One, Barclays and Discover.
Each individual account must still meet the applicable eligibility requirements and pass TradelineScore’s account/line inspection before it can be listed.
Inclusion on this list is not an endorsement by the issuer of paid authorized-user placements. Review your own card agreement and issuer requirements for your account.
What sellers can control
You can activate or deactivate your cards if you want to stop offering a card temporarily. You can also update account information, such as the credit limit.
These card controls do not replace the instructions or obligations for an active AU order. Follow that order’s dates and requirements.
Listing with multiple providers
TradelineScore does not require exclusive listing. If you list the same account with another provider, review that provider’s terms and manage the account carefully so overlapping obligations do not interfere with an active TradelineScore order.
From signup to seller payout
- Create a free seller accountStart with the cardholder signup form.
- Submit eligible account informationProvide the account details for review.
- Account/line reviewedThe account must pass TradelineScore's inspection before listing.
- Active card in live inventoryThe card appears while it is active and eligible.
- Email + SMS instructionsTradelineScore notifies you when it is time to add an authorized user.
- Follow the specific orderUse the instructions and dates for that order.
- Posting verifiedThe purchased line is checked through TradelineScore's verification process.
- Stated payout through PaychexPayment follows verified posting and satisfied order conditions.
Keep the authorized user on the account until the agreed removal date for the specific order. Do not remove the AU merely because the purchased line has posted. There is no universal AU-add deadline based on the next statement date.
Seller responsibilities
- Keep the card active and utilization below 10% at all times.
- If utilization reaches 10% or higher while an AU order is active, that order must be canceled and the affected buyer refunded.
- Keep account information accurate, including the credit limit.
- Follow the email and SMS instructions and dates for the specific order.
- Keep the AU until the agreed removal date, even if posting has already been verified.
- Review your issuer’s requirements and manage any overlapping obligations if you list elsewhere.
How seller payment works
The payout shown for an eligible seller placement is the stated seller payout. Payment is issued through Paychex after the purchased line has been verified as posted through TradelineScore's verification process and the applicable order conditions are satisfied.
Listing a card does not guarantee that it will receive an order or generate income. Account age and credit limit are listing details, not an earnings forecast.
For the separate buyer-payment and holding flow, see the corrected Payment Holding & Posting Verification page. That flow does not eliminate issuer, account or income risks.
Risks and limits to review
Selling an authorized-user placement is not risk-free. Before listing, review:
- Your issuer’s card agreement and account requirements.
- TradelineScore’s seller and order terms, including the payout conditions.
- Account eligibility and utilization requirements.
- The specific order’s AU-add instructions and agreed removal date.
- The Privacy Policy for data collection, use and sharing.
Do not share your online banking or card-login credentials with a buyer. TradelineScore’s seller process does not require you to give those credentials to the buyer.
TradelineScore does not eliminate issuer or account risks. If the eligibility requirements, order instructions or payout conditions are unclear, ask before listing or acting on the order.
Frequently asked questions
How much can I earn selling tradelines?
There is no fixed earnings amount. The payout depends on the specific eligible placement. Listing a card does not guarantee an order or income.
Is selling an authorized-user placement risk-free?
No. Review your issuer's card agreement, TradelineScore's seller and order terms, account responsibilities, utilization requirements, privacy and data handling, and the instructions and dates for the specific order. TradelineScore does not eliminate issuer or account risks.
What cards can TradelineScore accept?
The account must be active, utilization must remain below 10%, and the card cannot have any derogatory or late-payment history, regardless of how old it is. The account/line must pass TradelineScore's inspection before it can be listed. The account must be at least 6 months old. There is no fixed minimum credit limit.
How long does the authorized user stay on my account?
Follow the agreed removal date for the specific order. Do not remove the authorized user early merely because the purchased line has been verified as posted.
How do I get paid?
The payout shown for an eligible seller placement is the stated seller payout. Payment is issued through Paychex after the purchased line has been verified as posted through TradelineScore's verification process and the applicable order conditions are satisfied.
Sources and practical references
These official resources provide general background, not approval of compensated AU placements or a guarantee of income:
- CFPB credit card agreement database: agreements in the database contain general terms. Ask your issuer for the agreement specific to your account.
- FTC: Free Credit Reports: background on obtaining and reviewing your credit reports.
Ready to review your eligibility?
Review the eligibility requirements and seller responsibilities before listing a card. Listing does not guarantee an order or payout.