: 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
: 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 : Modern scoring models like FICO 8 and
: 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 . buy seasoned tradelines online