CPN PACKAGES
Ready to start building? We've got the toolkit with CPN Packages
CPN PACKAGES – CPNs WITH SEASONED TRADELINES
• A CPN package is the ultimate credit building tool. A Credit Profile Number and authorized user tradelines in one customizable package.
• The CPN is the alternate identifier. The tradelines are what can report age, limit, and payment history.
• Six tiers — Starter through Platinum tiers. Starting as low as $399.
• Contact us today to kickstart your credit journey.
What is a CPN?
A CPN (Credit Profile Number) is an alternate credit identifier — a common tool in credit repair and credit rebuilding. People use it when the file is thin or damaged and they still need apartments, cards, or loans.
The number by itself does not report history. It is the file the tradelines attach to.
What is an Authorized User Tradeline?
Authorized User Tradelines is any credit account on your report at Experian, Equifax, or TransUnion — a card, auto loan, mortgage, or similar. Lenders read the open date, limit, balance, and payment history on each line.
An authorized user tradeline is when you are added to someone else’s seasoned account. You do not get the card. You do not take on the debt. The primary keeps the account and the payments. That history can show on your file — age, limit, and on-time payments — so the report is not a hole.
Who needs CPN Packages?
CPN packages are for people who are just starting out, rebuilding after a thin or damaged file, or who need a cleaner shot at the accounts already on the cards — apartments and rentals, credit cards, cell phone, utilities, auto, and, on the higher tiers, a mortgage or a personal line of credit.
Small-business owners can also use the same packages when they want authorized-user lines beside the credit they already have.
- New to credit, or a thin file with nothing for a landlord or lender to read
- Rebuilding after late payments, high utilization, or other setbacks
- First apartment, rentals, cards, cell, utilities, first car
- Auto, insurance rates, or a larger loan — including home mortgages on the upper tiers
- Separating personal and business credit, or adding borrowing room for a small business
CPN Packages Tailored for Different Credit Needs
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How a CPN package helps
People use a CPN package for a fresh start or to speed up credit-building. The package pairs a Credit Profile Number with seasoned authorized user tradelines on a tri-merged file — Experian, Equifax, and TransUnion — so lenders, landlords, and utilities have more than a thin or damaged history to read. You do not need good credit to start.
When the lines report, the file can show years of on-time history, a higher combined limit, and better utilization. That is faster than building the same file yourself. The cards list a usual window of about 10 days on the lower tiers. Posting follows the issuer’s cycle. It does not always post. The calculator is a range, not a promise.
What that is for
- Starting fresh — a lot of negatives on the current file; a cleaner shot at rentals, auto, cards, and bank accounts
- Building credit fast — seasoned tradelines on a tri-merged file, instead of waiting years
- Housing — landlords pull credit; a thicker file can help the rental and the bank account that pays rent
- Auto — dealers price the file they see; a stronger profile can mean better odds and better terms
- Lower rates — better credit can mean lower interest on loans, cards, and auto
- Business vs personal — keep business finances separate; open cards, cell, and bank accounts without leaning on the old personal file
- Cell and utilities — credit checks and deposits get easier when the file is not empty or wrecked
Take the first step on your journey to good credit
We are here for you at every turn
1. Consultation — You tell our specialist your goals (apartment, cards, rebuilding credit, financing), and they’ll get you aligned with a CPN package.
2. Choose your CPN package— A CPN package pairs a Credit Profile Number with seasoned authorized user tradelines, designed to help you reach your goals. Our specialist will make a recommendation based on your consultation.
3. User Added / Reporting Phase — You are added to the tradelines as an authorized user. Tradelines report on the card issuer’s schedule usually revolving around statement date. Timelines may vary by lender.
4. Review & Next Steps — After the reporting phase, you’ll have a clearer direction on what was placed and what to watch on the bureau reports and if your credit is ready for the lender.
If you are ready to reclaim your financial freedom, reach out today and get started.
See How Much a CPN Package Could Boost Your Credit Score
Enter your information below to get an instant estimate of how adding a tradeline could impact your credit score.
1. Enter Your Information
Fill in your current credit profile and the tradeline you are considering.
Your Estimated Results
Based on the information you provided, here is your potential score impact.
Fill in your details on the left and press Calculate My Score Boost to see your results here.
Who we are and how we can help
We are AuthorizedUsers.com and we’re happy to lend a hand. For over 15 years we’ve been one of the primary solutions providers for people just like you. Folks looking to get a leg up, when the banks and lenders want to make them jump through hoops.
We’ve helped hundreds of people and small businesses find solutions for credit improvement needs, and get them where they want to go. While our primary specialty is CPN packages, we also offer credit repair services and business tradeline solutions. We’re a one stop shop for clients of all shapes and sizes. Contact us today, so we can find your next solution.
CPN Package - Frequently Asked Questions
Which bureaus are the tradelines reported to?
Our tradelines are reported to Experian, Equifax, and TransUnion.
Are CPN Packages legal?
Yes, adding someone as an authorized user is totally legal. Similar to Credit Profile Number (CPN) all the services or products we offer are commonly used tools for credit repair and credit building, and are legal. Further— adding someone as an authorized user is a legal practice. Fraud occurs only if false information is provided or the intent is to deceive a lender.
How much does it cost?
Authorized User tradelines are part of our CPN packages. Those prices vary, depending on each client’s unique credit profile and situation. We have packages that can start as low as $399.
What kind of results can I expect?
Each client is unique and results will vary. You can use the calculator just above the FAQ to get an idea of what a CPN / Tradeline package could do for you?
How long do they take to report to my credit report?
It depends. The time to report depends on the statement of the tradelines you select with our specialist. We help get you squared away and will set appropriate expectations and explain the process.
What if I don't need the CPN package, just the tradeline?
Give us a call and we can walk you through your available solutions.
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Related Reading
How Many Tradelines Should I Add? (2026)
How Long Does a Tradeline Take to Post? (2026)