How to add and remove Authorized Users

Please carefully follow the instructions. Failure to follow these instructions will cause your tradeline to not post on the authorized user’s (AU) credit report. We will have to refund our client and you will not get paid for those spots. If your cards do not consistently post, we will remove you from the program.

If you are unable to fulfill an order, please see the Unable to Add section. If you know you will be unavailable during your statement date to add an AU, you must first notify us so we can remove your cards from sale. The Unable to Add function is a last resort function.

Due to new security policies, if you will be out of the country you cannot add AUs as they will be blocked from being added properly. Please contact Investor Support to remove your card from sale if you will be out of the country during your statement date.

Method of Adding Authorized Users

There are two ways you can add authorized users (AUs): over the phone or online.
Below is the required method for adding an AU based on the card issuer. *If a lender requests a phone/email for the AU, you can use your own contact information instead.

Phone ONLY:

Alliant – Name, social, and date of birth.
Citibank – Name, social, and date of birth. *Do NOT add the AU online, it will not post.
PNC – Name, social, and date of birth. *You can add AUs online. However, you must add the AU as soon as you receive the order. Otherwise, they may not reply/confirm the AU is added in time before your statement date.
Elan/Fidelity – Name, social, and date of birth (address is possible). *You may be able to add online depending on the card type.

Online:

Barclays – Name, date of birth, and address.
- You must add the AU’s address. The name and date of birth are not enough information and could cause your tradeline to not post.
Capital One – On hold due to closure risk.
Chase – Name, date of birth, and address.
- You must add the AU’s address. The name and date of birth are not enough information and could cause your tradeline to not post.
Discover – Name, social, date of birth, and address. *If you’re unable to add the AU online due to an error or AU limit message, please try to call in to add the AU before submitting an unable to add ticket.
Huntington Bank – Name, social, date of birth, and address.
NFCU – Name, social, and date of birth.
U.S. Bank – Name, social, and date of birth.

Note: Discover occasionally requires identification for AUs. As such, always submit the client’s address, not your own, as it must match the name and address in the documentation. Discover’s portal can be very particular about how the address is written, so match how the address was written in Confirmed Identity exactly, and if you have any issues, contact us before proceeding. If Discover requests ID, please let us know so we can provide their identification via your Confirmed Identity portal for you to download and submit to your Discover portal online.

*US Bank and Elan/Fidelity cardholders must add AUs to their card before the 28th.
We recommend adding authorized users (AUs) within 48 hours of receiving a notification from Confirmed Identity indicating you have AUs to add. Remember that your statement date in Confirmed Identity is set to 3 days before your actual statement date, so you will typically receive an order 4-5 days before your actual statement date, which is the last day an AU can be added.

If an order is placed before your statement date, the AU must be added before that statement date. Adding an AU on your actual statement date or after will cause your tradeline to not post. If for any reason you cannot add an AU before your actual statement date, please let us know immediately. Non-posted tradelines hurt our business and will lead to your removal from the program.
When you receive the card in the mail for an authorized user, keep it until your order is marked as posted at least. In the case of a non-posting issue, we may need to request proof that the client was added. Once your order is complete, please make sure to shred the card before disposal.

Adding Authorized Users Over the Phone

Treat each card as a separate account. Do not add AUs from different cards but the same bank in the same call (e.g. do not add Citi Thank You and Citi AAdvantage in the same call).

Once you receive AUs to add to your account, log on to ConfirmedIdentity.com. Click on the gear icon to view the client’s information. Keep this page open, as you will need it to provide the client’s information to add the AUs when you call in.
DO NOT CLICK “MARK AS ADDED” UNTIL YOU HAVE ADDED THE AUTHORIZED USER. Once you click “Mark as Added,” the personal information will be deleted for the security of the client and an email will be sent to the client notifying them that the order has been completed.
Call the phone number on the back of the card listed or on your account and speak with a customer service rep. Do not ask to speak with a specialist or be transferred to a special credit department.
Add ALL the AU’s information required for your card issuer (top of the page).
- ALWAYS ASK THE CSR TO READ BACK THE SPELLING OF THE NAMES AND NUMBERS. Incorrect spellings or numbers of any kind will cause the AU account to fail to post on our client’s reports. We will have to refund our clients and you will not get paid.
- YOU MUST ADD ALL THE INFORMATION REQUIRED FOR THE CARD TO POST AND FOR YOU TO GET PAID. Some CSRs will tell you they don’t take SSN even if they do, out of laziness or ignorance. Again, all the information listed must be added for a card to post correctly. Simply tell them you would like the SSN attached to the AU through the proper methods. If they still refuse, finish the call and call back in 5 minutes and ask a new customer service rep to add the SSN to the AU’s account.
After the AUs are added to your account, the rep should read you a mandatory disclosure statement about adding AUs and ask if you would like AU cards to be issued to your address. Say yes. Then the rep will confirm your address for the AU cards to be mailed to you.
- Remember, adding the AU’s address to their profile will not send it to their address. The AU cards will only ever be sent to you unless you specifically instruct the rep to send it to another address, which they will then have to confirm. Again, you will not be sending AU cards to any other address than your own.
Mark your order on Confirmed Identity as added and click “ok,” indicating that you have added the client. Then that’s it!

Adding Authorized Users Online

Once you receive AUs to add to your account, log on to ConfirmedIdentity.com. Click on the gear icon to view the client’s information. Keep this page open, as you will need it to provide the client’s information to add the AUs when you call in.
DO NOT CLICK “MARK AS ADDED” UNTIL YOU HAVE ADDED THE AUTHORIZED USERS. Once you click “Mark as Added,” the personal information will be deleted for the security of the client and an email will be sent to the client notifying them that the order has been completed.
Log on to your credit card account online and locate the page to add an authorized user.
Add ALL the AUs information required for your card issuer (top of page).
- DOUBLE CHECK THE SPELLING OF THE NAMES AND NUMBERS. Incorrect spellings or numbers of any kind will cause the account to fail to post on our client’s reports. We will have to refund our clients and you will not get paid.
If the lender requests a phone number for the AU, enter your phone number.
Click yes to any mandatory disclosure statements about adding AUs and select yes to have the cards be sent to your address.
- Remember, adding the AU’s address to their profile will not send it to their address. The AU cards will only ever be sent to you unless you specifically request it to be sent to another address. Again, you will not be sending AU cards to any other address than your own.
Mark your order on Confirmed Identity as added and click “ok,” indicating that you have added the client. Then that’s it!

Removing Authorized Users Over the Phone

2, 3, or 4 cycles (depending on the lender) after your statement date you will be able to remove AUs added before the statement date. Log in to your Confirmed Identity account. Under “Order History,” you will be able to view: the authorized user’s name, which tradeline they purchased, and the earliest date you may remove that authorized user.
WARNING: DO NOT REMOVE ANY AUS BEFORE THEIR REMOVAL DATE.

Call the phone number on the back of the card and remove from your account all the AUs that are after the “when to remove” date. Click the purple icon next to the removal date and AU you’re removing.
That’s it! Now you are ready to add next month’s AUs once you receive an email instructing you to add new AUs.

DO NOT ADD AND REMOVE AN AU IN THE SAME CALL. Remove all AUs from one card in one call, wait at least 5 minutes, then add all AUs from one card in another call. Treat each transaction and each card as a separate action.

Removing Authorized Users Online

Log on to your credit card account online. You will either be able to remove using their “remove authorized user” function or send a secure message.
- To send a secure message, locate “send a message” on your credit card account.
In the Subject line write “Remove authorized user,” and in the message write: “Please remove these authorized users: “first name, last name.”
Now click the purple icon next to the AU you’re removing. Then that’s it!

WARNING: DO NOT REMOVE ANY AUS BEFORE THEIR REMOVAL DATE. If you’re ever unsure about the removal date, please reach out to us so we can answer your questions. If you need to remove an AU for emergency purposes, you will need to let us know ASAP.

Unable to Add Authorized Users

If you are unable to add an AU, you can cancel the order immediately on your cardholder portal by clicking on the Unable to Add button:

Select the reason you are unable to add the AU and click Create Issue. That’s it!

The Unable to Add function is a last resort function. If you know that your card will become unavailable because of a high balance or you will be going on vacation, for example, please contact Investor Support to put your cards on hold before an order is placed. If the reason you are unable to add is because of technical issues or an error, please contact Investor Support so we can help address the issue. You might still be able to add the AU.

If you must cancel an order, please do so immediately so we can find a replacement tradeline for that client. Overuse of the Unable to Add function can lead to removal from the program, so please contact us if you know before an order is made that your card is unavailable and only use the Unable to Add function if an order has already been placed.

Mandatory Requirements for All Tradelines

Utilization Rule:

The Cardholder is required to keep balances below 10% of the credit limit for any card in the program. Meaning if a cardholder has a $10,000 limit card, the balance must be under $1,000. Having a high utilization can hurt a client’s score and have a negative impact on their credit report, which is the opposite of what they paid our program to do. If you need to go above 10% for any reason, you need to let us know ahead of time so we can pause your card.

Small Balance Rule:

The cardholder is required to make at least one small purchase ($10 minimum) on the account every month in order to have a nonzero balance by your statement. This helps to ensure posting, and keeps the account in an active and non-dormant status.

Payment History Rule:

The Cardholder is required to keep their enrolled accounts clear of any derogatory marks such as late payments. Derogatory marks will result in automatic removal from the program.

Adding AUs On Time Rule:

The Cardholder is required to add the AU to their tradeline before the actual statement date. The cardholder is notified 3-5 days before the actual statement date to add the AU. We recommend adding AUs within 48 hours of receiving the email/text message notification. Missed orders without communicating reasons will result in automatic removal from the program.

AU Removal Rule:

The cardholder cannot remove an AU before the removal date in the Confirmed Identity account. You must keep each AU on your account for the full 2, 3, or 4 cycles (depending on the lender). If the AU is removed early without approval, we will have to refund the client and you will not get paid for that spot.

Account Changes Rule:

The Cardholder is required to notify us immediately of any changes to their account, such as a change in address, credit limit, or statement date, or if they decide to leave the program temporarily or entirely. Failure to notify us when you are unable to add an AU or if your card information is inaccurate, may result in no payment for those spots and could lead to your dismissal from the program.

If you have any questions about how to set up an account, add or remove AUs, or the requirements for tradelines in our program, please contact us at Support@tradelines.io.