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Tradelines / Primaries

Our Current List of Authorized User Tradeline Accounts Below:


Credit Card Credit Limit Date Opened/History Statement Date Price
Banana Republic 10000 3.4 years 9 879
Banana Republic 3200 10.3 years 11 949
Bank of America 6000 9 years 18 1069
Bank of America 3000 8 years 19 999
Barclay 5000 3 months 6 599
Barclay 6000 2 years 12 889
Barclay 15000 3 months 15 649
Barclay 10000 3 months 17 625
Barclay 25000 3 months 24 699
Best Buy 3000 3 months 9 899
Best Buy 11000 2.5 years 17 999
Cabela’s 12000 3 months 26 689
Capital One 1200 14 years 2 945
Capital One 4300 12 years 9 999
Capital One 3200 14.3 years 21 1049
Captial One 1700 15.6 years 21 999
Care Credit 8400 5.2 years 4 949
Care Credit 9400 3 months Pending 625
Care Credit 12000 3 months Pending 649
Chase 6900 8.6 years 6 949
Chase 10900 5 months 22 615
Chase 7200 3 months 22 549
Chase 9000 8 years 24 999
Chevron Texaco 2500 1.4 years 22 625
Citibank 6700 4.4 years 16 849
Citibank 4000 6 months 22 639
Discover 6500 3 months 2 625
Discover 9200 4.5 years 3 925
Discover 9000 1.8 years 9 799
Discover 3500 3.9 years 11 805
Discover 3700 5 years 16 835
Discover 4000 3 months 17 599
Discover 13000 10.5 years 17 1099
Discover 8500 19.5 years 17 1295
Discover 8500 2 years 19 849
Discover 18000 7 months 20 719
Discover 18200 15.6 years 25 1299
Express 500 8.2 years 26 625
Home Depot 15000 3 months 15 699
Home Depot 10000 3 months 20 625
Jared’s Jewelry 10500 5 months 12 575
Jc Penny’s 2100 14 years 29 799
Kohl’s 700 1.8 years 20 549
Lowes 17000 1 year 22 699
New York & Co. 500 9.8 years 1 625
PNC 16200 7 months 7 725
Rental Primary $1500-$2000 up to 2 years backdated 799
Sam’s Club 1500 14 months 8 599
Sears 8000 1.10 years 16 849
Sears 4000 3 months 26 599
Stash 12000 3 months 16 649
Stash 12000 3 months Pending 649
TD Bank 5000 3 months 4 625
TD Bank 5000 3 months 4 625
TJ Max 1024 2.2 years 15 689
USAA 30000 11.9 years 17 1495
USAA 1000 3.10 years 29 699
USAA 14000 9 months 29 725
Victorias Secret 750 3 years 28 645
Vystar Credit Union 1000 1 year 13 599
Vystar Credit Union 2500 2.6 years 13 699
Vystar Credit Union 2500 2 years 19 689
Vystar Credit Union 10000 6 months 20 699
Walmart 5000 14 years 4 949
Wells Fargo 2500 7 months 5 549
Wells Fargo 8000 4.1 years 6 899
Wells Fargo 5000 2 years 7 849
Wells Fargo 11000 2.6 years 18 899
Wells Fargo 3800 3.3 years 2 765
Williams Sonoma 3500 2 months pending 499



PRIMARY Tradelines

***Currently all Primary tradelines can be paid by Bank Deposit***

Auto Accounts (reporting to Experian, age 3 to 5 years old)
$25,000 – $30,000 $2195
$35,000 – $40,000 $2495
★ Order must be received by the 18th & 25th of each month.
Auto Accounts (reporting to Equifax, age 4 to 7 years old)
$25,000 – $30,000 $2095
$35,000 – $45,000 $2295
★ Order must be received by the 18th or the 25th of each month.
Installment, Revolving, Auto (SSN only, reports to Equifax, 4 to 7 years old)
Up to $10,000 $995
$11,000 – $30,000 $2095
$31,000 – $50,000 $2595
$51,000 – $70,000 $2795
$71,000 – $85,000 $3295
★ Order must be received by the 18th or the 25th of each month.
$100-150K $ 2325 status closed – 15/30 year history
$175k-210K $2450 status closed – 15/30 year history






  1. How long do the Authorized User Tradelines take to post?
    1. All AU accounts post within 5-10 days from the statement date.
  2. What if the tradelines don’t post to my credit report on the date promised?
    1. We will make sure they post on the very next cycle.
  3. How long will the tradelines stay on my report?
    1. Authorized User tradelines stay on your report 30-60 days.
  4. How much will my score go up by adding these lines?
    1. We cannot know how much your score will be raised, our average clients experience between 50 points to 100 points increase in credit scores from adding Authorized User accounts
  5. Will adding tradelines cause my credit report to be “flagged” for fraud?
    1. No, people are added as Authorized Users to accounts all the time, this is completely legal.
  6. How will I know when the tradelines are posted to my credit report?
    1. You are required to subscribe to a CREDIT MONITORING SERVICE like creditchecktotal.com which is offered by Experian. It’s only a $1 trial to get started, but you get all of your reports and scores, and see all changes when they happen.

DISCLAIMER: Client understands and agrees to the IPCS Terms of Service and that any and all products and services offered by IPCS are intended to comply with all municipal, state and federal laws, statutes, ordinances, rules and regulations of every kind, and that IPCS does not condone the use of its products and services for any unlawful, fraudulent, or unethical activity.


Authorized User Tradeline

Updated for 2016 – This information is current. If you have questions or comments, please contact us.

There are many myths, misconceptions, and misunderstandings about what an Authorized User Tradeline is and how to use it properly. Some say that it helps your Credit Score, some say that it hurts your Credit. Most people are using these seasoned tradeline accounts as a way to improve their FICO scores or to start building a Credit History. First, you must understand how your credit score works, then you can start working to improve your credit. But like most good things, there are people out there who exploit them for bad. I am here to give you all the facts about Authorized User Accounts and explain how to properly, legally and ethically become an Authorized User on a Credit Card so you can adopt a seasoned tradeline on your Credit Report.

What is an Authorized User Tradeline?

An Authorized User is someone who is “authorized” to be on a Credit Card Account. This means that they are authorized to talk to the bank about the account, make payments on the account and agree to the account reporting on their Credit Report. When you become an Authorized User on someone’s Credit Card account, you agree to adopt the future and past credit history of the account. Some people call this a Seasoned Tradeline, since you are adopting the credit history and past payment history of the account. This means that if the Credit Account has been open for 8 years, has always been paid on time, once you become an Authorized User on the account, you will adopt the 8 year payment history on your Credit.

Authorized User Accounts are typically only for Credit Cards. Auto Loans and other installment loans can add you to an account as a co-borrower. There is a difference in the risk between an Authorized User and Co-Borrower. We don’t recommend becoming a co-borrower. You will usually have to apply to become a co-borrower and that means having them pull a copy of your Credit Report. This will cause an inquiry and there is a possibility they could deny your application if you don’t have good credit. If you are approved, you will have financial responsibility if this account goes delinquent.

To become an Authorized User on a credit card, there is no application, no credit check, no inquiry on your credit report and no risk of being denied. If the account holder misses a payment or defaults on the balance, you will be able to work with iPower Credit Services to have this information disputed and removed from your credit history.


How To Boost My Credit Score With An Authorized User Tradeline

Authorized User TradelinesBeing added to a credit card account as an Authorized User can help improve your Credit Scores since you adopt the credit history from that creditor. Within 10-60 days of being added to a credit tradeline as an Authorized User, you will see the account report on your credit and your credit scores will adjust accordingly. If you have a lot of debt collection accounts, or medical debt collections, past late payments or negative credit, you will not receive as much of a credit score improvement and you’ll want to seek professional help to try to remove these accounts from your credit history. You can call us to and we’ll review your case. However if you add the tradelines like we do to a new CPN file like the ones on our Packages page you will have a 725+ score in as little as 30 days on a new Credit Privacy Number or what is also referred to as a Secondary Credit Number (SCN and CPN are one in the same thing).

Picking The Right Authorized User Tradeline

You want to make sure that you follow these simple rules below before you add a tradeline to your account. If you follow these rules, the Authorized User Tradeline will help improve your credit scores. If you don’t want to have an Authorized User Tradeline, you can start building your credit with a secured credit card.

Account Should Be Open For A Minimum Of 2 Years

You only want to be added to an account if it is over 2 years old. Anything younger won’t give you as much of a benefit until the account has seen at least 24 months of on time payments. You also want to find an Authorized User Account that has the longest account history. You adopt it all, even if it is 10+ years of history.

No Past Late Payments

The Credit Card must have NO past late payments. We gurentee that our authorized user accounts has never had any past late payments on the account/s. You adopt the credit history of this account.

Maintain A Low Revolving Balance

You will receive the most credit score improvement by becoming authorized user on a seasoned tradeline that currently has and maintains a low balance on the account. Your Credit Score is heavily weighted upon your revolving debt ratio, so make sure that you are not being added to an account that is frequently maxed out or carrying a balance over 50% of the available credit limit. None of our accounts are over 25% balance since we just maintain the accounts solely for adding authorized users like you.

Keep The Account Open

An Authorized User Tradeline can only boost your credit scores if it is currently open. Are accounts stay open indefinitely.

Follow These Simple Rules

If you follow these simple rules, you will ensure that you have a seasoned Authorized User Tradeline that will positively benefit your credit history and improve your credit scores.

What is Piggybacking On An Authorized User Tradeline?

Piggybacking on an Authorized User Tradeline is a term that is typically indicative of “grey hat” credit tactics. This means that they are not illegal. Piggybacking is a term that typically means you are renting, leasing or buying a seasoned Authorized User Tradeline as an attempt to improve your Credit Scores.

Can A Seasoned Authorized User Tradeline Hurt My Credit?

Building your credit is similar to building a permanent structure; If you build a solid foundation, follow code, use quality planning and professionals, your structure will be there forever. If you are looking to cut corners, your structure will not be last for the long haul. Always be wise when trying to improve your credit scores. We look forward to improving and maximizing your Credit Scores, legally and ethically.