For anyone considering authorized user tradelines, it’s important to understand how they work within your overall credit strategy. These tradelines can be highly effective in improving your average account age and enhancing your credit mix. However, they do not carry the same level of impact as primary accounts when lenders evaluate your profile for major funding. For best results, use authorized user tradelines as a strategic supplement—not a replacement—for building your own strong credit history. Always take the time to verify the age, payment history, and overall quality of any tradeline before adding it to your profile. This ensures you’re making informed decisions that truly support your long-term credit goals. https://docs.google.com/spreadsheets/d/14Y-b7npGm1tVYQ3ktMMgJ4edYCkzUqwOoZcRZQP_WXs/edit?usp=sharing