10d • Q&A Credit Repair
The Authorized User Strategy
Credit Building Tactics
Boosting Credit Fast (the RIGHT Way)
How to Boost Your Credit Score FAST Using the Authorized User Strategy 🔥
📢 POST BODY:
Want a legal credit score booster that doesn’t require taking out a loan or opening a new card?Let me put you on to the Authorized User Strategy. 💳✨
This is one of the fastest ways to improve your score — when done right.
💡 What’s an Authorized User?
It’s when someone adds you to their existing credit card as a secondary user (aka "AU").You don’t need access to the card or account.
You inherit their credit card history — and it reports to your file. 👏
🚀 How This Boosts Your Score:
When you're added as an AU, you benefit from:✅ Their payment history✅ Their credit limit✅ Their account age✅ Their low utilization
This can help your:
- Payment history %
- Utilization %
- Credit age… all without you opening new credit!
⚠️ Rules for Success:
Not all AU tradelines help. Choose wisely.
✔️ The account should:
- Be at least 2+ years old
- Have no late payments
- Be under 10% utilization
- Have a high credit limit
❌ Don’t get added to:
- Cards with recent lates
- High balances
- New accounts (less than 6 months)
👥 Who Can Add You?
- A family member
- A trusted friend
- A spouse or partner
- Or you can buy tradelines (more advanced — DM me if you want the tea)
📌 Note: Not all credit cards report AU data — always check with the issuer.
💬 QUESTION FOR YOU:Have you ever been added as an AU? Thinking about it now?Let’s talk strategy — drop your thoughts below 👇
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The Authorized User Strategy
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