The process is straightforward. A qualified card holder agrees to add an authorized user to their account for a specific period. The authorized user does not receive access to the account, cannot make purchases, and has no control over the card. Instead, they may benefit from the positive reporting history associated with the account when it appears on their credit report.
At Top Shelf Credit Repair, we carefully match qualified clients with approved card holders through a structured process designed to protect both parties. Every tradeline is reviewed for quality, age, payment history, and reporting standards before placement.
Whether you’re looking to strengthen your personal credit profile or prepare for future financing opportunities, becoming an authorized user on a qualified account can be an effective credit-building strategy when used as part of a broader financial plan.
Become part of a secure, reputable system designed to help others build their credit while you earn extra income. As a Card Holder, you allow qualified clients to be added as Authorized Users (AUs) to your credit card — without giving them access to your account or funds.
This is a safe, legal, and widely used process that benefits both sides.
Get paid each time we add a new Authorized User to your credit card.
AUs cannot spend, access, or view your account details.
Your personal information remains fully protected.
We guide you through every step — all you do is add and remove AUs as instructed.
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