What are Credit Tradelines on your Credit Report? It simply means your creditor’s term for the accounts included on your credit report. However, your individual credit cards and loans are listed distinctly as tradelines on your credit report.  Each time an account is sold to a new creditor and whenever you get a new credit card number because of lost or stolen card, a new tradeline is generated.Credit  Tradelines

What Can You Report for Credit Report Tradelines?

Tradelines include the following information:

  1. Current account status
  2. Date of last activity
  3. Credit or lender’s name
  4. The type of account
  5. Payment history
  6. Delinquencies in the past seven years
  7. Credit limit or loan amount of the last payment
  8. Date of account opening
  9. A partial account number
  10. Date of the account last update
  11. Current balance

Do not forget that each tradeline must have the history of the account. It can only be exempted in a situation that some part of the account history has aged off your credit report because of the credit reporting time limit.

What Do Tradelines Do To Your Credit Score?

The tradelines are used to calculate your credit score. To ensure you have a good credit score, be responsible with each tradeline. What is required of you? Keep your balances low, avoid overspending and pay your balances in full monthly. Late payments spoil your credit score and make you incur late payment fees.

It is not ideal to have many or few tradelines. It is perfect to keep them moderate since they affect your credit score. However, your report must have at least one open and active tradeline in the past six months for the credit scoring calculation to generate a credit score for you.


The credit bureaus add tradelines to your credit report as long as the information is accurate and within the credit reporting time limit. Whether the information is negative or positive, it gets added to your account.

However, open tradelines with positive information stay on your credit report indefinitely. But closed tradelines with positive information remains depending on the credit bureau’s internal reporting guidelines. Closed tradelines with negative information will fall off your credit report within seven to 10 years.

Moreover, do not forget to dispute tradelines you do not recognize with the credit bureaus. You can as well place a security freeze on your credit report to prevent future accounts from being opened in your name.

How The Information Circulates

Depending on the agreement, financial institutions lending money supply your tradeline information to the credit bureaus. They provide this information to the bureaus monthly to show the most recent information on your tradeline.

To view your tradelines, order a free credit report. It is easy, go to  AnnualCreditReport.com. Remember to carefully review your credit report to ensure there are no errors.  It there is, dispute it as soon as possible to avoid spoiling your credit score.

How to Add New Tradelines for Your Credit Report?

The best option is to open new accounts. Take your time to search for store credit cards, and credit builder loans. They help a lot in this regard.

Some firms sell access to it and add your name to someone’s existing tradeline. Companies promote “seasoned tradelines,” which refers to accounts that have been open for several years and have no delinquencies.

The moment they make you an authorized user on someone’s card, the account appears on your credit report and boosts your credit score.

However, note that some credit scoring companies do not include accounts that a co-applicant does not have a defined relationship with the main account owner. To avoid wasting resources, politely demand from your spouse or a close relative to make you an authorized user in his account.