Yes, it is legal. Authorized tradelines for sale are a legitimate strategy many individuals use to improve their credit scores. Credit bureaus and loan providers recognize and accept this practice. But, like in any industry, you have to be cautious. Dealing with fake sellers might lead to bank fraud and other legal issues. An authorized user trade line is a credit account added to someone’s credit report. The authorized user benefits from that account’s positive payment history and credit utilization. This method allows individuals to piggyback on the excellent primary account holder’s credit history and responsible credit management. When you purchase a tradeline, you are buying the right to become an authorized user of someone else’s credit account. This means you can enjoy their positive credit history without being responsible for the debt associated with the account.