: Modern scoring models like FICO 8 and FICO 10 use logic to detect and exclude AU accounts where no genuine relationship (like family or marriage) exists.
: While not explicitly illegal in the U.S., major lenders and credit bureaus view it as deceptive and a misrepresentation of creditworthiness. buy seasoned tradelines online
: A broker connects a "buyer" with a "vendor" (cardholder). The cardholder adds the buyer as an AU for a few months for a fee ranging from $200 to over $4,000 . : Modern scoring models like FICO 8 and
: When reported, it can increase the average age of accounts and lower credit utilization, potentially raising scores by 50 to 100 points almost overnight. Critical Risks and Reality The cardholder adds the buyer as an AU
: Once the primary cardholder removes you (typically after 60 days), the score boost usually disappears. Credit Repair Companies and Seasoned Tradelines
: The industry is largely unregulated. Handing over your Social Security number and money to unverified brokers carries a high risk of identity theft and financial loss.
: A credit account (typically a credit card) that has been open and in good standing for a long period, usually at least two years.