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What Is a Tradeline?

Tradelines are the foundation of all credit. While we are not a credit repair company, we offer an online platform where people can buy tradelines. Additionally, we offer free educational information to empower our clients to understand how the credit system works in order to make the best choices available...

What Is a Tradeline , In the broadest sense, a tradeline is any account that appears on your credit report Different types of tradelines include mortgages, auto loans, student loans, furniture loans, jewelry loans, installment loans, and of course, credit cards of all types.

However, if you made it to our website, you may be interested in purchasing tradelines, and that is something a little more specific than this broad definition listed above.

We sell authorized user tradelines, which means you can pay to become an authorized user on someone else’s credit card. This account will then appear on your credit report showing your authorized user status.

 

Why Would Someone Want to Buy a Tradeline?

Well, tradelines (in the broadest sense) are what make up the majority of a person’s credit report It does not need to be said why someone’s credit report is important. We all know how important a credit report is. Essentially, everyone wants to have the best credit report possible.

To this end, it is wise to study how to build good credit The basic answer is to open credit accounts of various types and make all your payments on time consistently. If you do this, over time, you should have good credit. By optimizing the factor that go into a credit score you could eventually even get a perfect 850 credit score

 

What if I Currently Have Bad Credit?

If you currently have bad credit, turning that around and building good credit is the exact same process. Open new credit accounts of various types and make all your payments on time. It may take longer to rebuild your credit than it originally took to build your credit because those negative marks will remain as part of your credit report for quite some time.

If you have errors on your credit report, you may also want to consider beginning the process of credit resoration whether credit resoration techniques or with the help of qualified professionals like American Green Professional

 

How Can Tradelines Help?

When purchasing authorized user tradelines, when you get added to the credit card as an authorized user, it does not show on your credit report when you were added. Rather, the entire history of the account is reflected in your credit report, with some exceptions depending on the bank.

For example, if an authorized user is added to a credit card that is 20 years old, it will simply appear as a 20-year-old credit card that this person has on their credit report with an authorized user status. Therefore, the credit scoring algorithms often just assume this person has been on this card for 20 years. If the tradeline has a perfect payment history, that is a nice thing to have in your credit report.

Also, while there may be several different utilization ratios at play in the secret credit score algorithm, an authorized user tradeline can play a factor in the overall utilization ratio.

The truth is that since the credit scoring algorithms are secrets, no one knows exactly how it works. There are a lot of inferences, correlations, and speculation that has taken place to try to understand the way credit score work

 

Which Tradelines Should I Buy? 

In short, you only want to add tradelines that are superior in age and credit limit to what you currently have in your credit report.

If you currently have high utilization, higher-limit tradelines may help with your overall utilization ratios 

You should also know what your average age of accounts currently is. You only want to add tradelines that can increase your average age of accounts in a meaningful way. We have a tradeline calculator to help you calculate these ratios quickly and easily.

While we do not offer any guarantees on specific results, we do guarantiee that your tradelines will report on your credit report. Since everyone’s credit report is so unique, it is up to you to use the knowledge and tools provide so that you can determine which tradelines would be best for you.

For more information on how to choose the best tradelines for your credit file, send us a email  one our professional can help you

 

What Is a Seasoned Tradeline?

The word “seasoned” refers to time. A seasoned tradeline has been open for a certain period of time. Each financial institution that extends credit will define how much seasoning they are looking for but, in general, any account under two years would not be considered seasoned.

In other words, two years is the minimum amount of time that would possibly qualify a tradeline to be considered seasoned.

In short,  the more seasoned the better

 

How Do Tradelines Work?

When someone is added as an authorized user to someone else’s account, often the full history of the account is reflected in the records of both the primary account holder and the AU. This is because credit records do not report the date the AU was added to the account. So, as soon as the AU is added, their credit report may show years of history associated with the account.

Therefore, authorized user tradelines can be used as a way to add credit history to someone’s credit report.

One common example of this is when a parent designates their child as an authorized user of one of their credit cards as a way to help them start building credit early in life. In fact, this practice of building credit as an authorized user

 

What Are Tradelines Used For? 

As we mentioned, tradelines can add years of credit history to your credit report This is a good thing if the credit history is better than what you already have in your credit file, but not so much if the account is delinquent. If the account has late payments or high utilization, those negative marks could hurt your credit.

Depending on your own credit history and the history of the AU account, your credit score could increase, stay the same, or even decrease. The power of a tradeline is always relative to what is already in your credit file.

If you are interested in building credit as an authorized user, it is essential to make sure that the tradeline you are adding is superior to your existing tradelines so that it improves your credit profile rather than bringing it down.

 

How Long Does a Tradeline Stay on Your Credit Report?

Our tradelines stay on your credit report for two reporting cycles, which is approximately two months.

After the two months of being an active authorized user is complete, you will be removed from the account and the tradeline will then appear as closed. A closed tradeline will often remain on your credit report for several years.

 

How Many Tradelines Do I Need?

How many tradelines you need depends on your specific situation. There are different cases in which buyers may want to get two or three tradelines, or sometimes even more, but there are other cases in which one tradeline will suffice.

If you really want to maximize your results and you have the budget to do so, buying multiple high-quality tradelines is the way to go. However, if you have budget constraints to deal with, it is usually best to focus your resources on one excellent tradeline



Guarantees Questions? Email us!

  

Tradeline Supply By American Green Services Guarantees All Of The Following:

• If you buy any tradeline by the “Purchase By Date” we guarantee that it will post on your credit report on the next “Reporting Period” which is detailed for each tradeline.
• If you purchase a tradeline after the “Purchase By Date” then we do not guarantee that it will post on the next “Reporting Period” (although it might) but we then guarantee that it will post on the following month’s Reporting Period.
• On all tradelines purchased we guarantee that you will remain on the card as an authorized user for 2 monthly reporting cycles.
• We guarantee that the tradelines will post to any 2 out of the 3 credit bureaus.
• We guarantee that all tradelines will have a perfect payment history with no lates ever reported on the accounts.
• We guarantee that the utilization will always be at or below 15% on the usage 


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