This is an aged installment account from First Republic Bank. It. It. It is 8 years old with a $64,067 credit limit or loan amount.
Reports as: Paid, Closed, Individual Account.
Aged Primary Tradelines vs. Authorized User Tradelines
Aged Primary Tradelines:
- You become the legal owner of the account through reassignment.
- Appears as “Paid, Closed, Individual Account” — not shared.
- Helps with loan approval, not just credit score boost.
- Remains on your report for years (up to 10).
- Seen as stronger, more legitimate credit history by lenders.
Authorized User Tradelines:
- You're only added to someone else’s account.
- Appears as “Authorized User” — which lenders often ignore.
- Usually falls off if the original user removes you or the account closes.
- Provides temporary boost but doesn’t prove ownership or payment history.
- Commonly flagged or discounted by underwriters and fraud systems.
Bottom Line: If you want real credit results — auto loans, cards, or funding — authorized user tradelines won’t cut it. You need primary tradelines under your name, with legal reassignment, and full reporting power.