UNDERSTANDING YOUR CREDIT TRAIDLINES
A tradeline is simply any account that appears on your credit report—credit cards, auto loans, mortgages, and personal loans all fall under this category.
In the credit industry, however, the term “tradeline” is also used to describe authorized user (AU) accounts. When someone is added as an authorized user to an established credit card with strong payment history and low utilization, it may help improve the overall profile of their credit report. This effect is typically temporary, lasting only for the reporting period in which the account appears.
The purpose of using an AU tradeline is to help strengthen a credit profile so an individual is better positioned when applying for financing—whether that’s a home, vehicle, credit card, or business loan. While results vary based on the person’s existing credit file, the value of a tradeline is understood in terms of how it can help someone qualify for stronger terms, rates, and financial opportunities.
✔ Example #1
• Seasoned Age: 6–18 months
• Credit Limit Range: $2,000–$8,500
• Utilization: Always 0–1%
This type of tradeline can provide a noticeable lift to many credit profiles within the next reporting cycle.
✔ Example #2
• Seasoned Age: 2–5 years
• Credit Limit Range: $7,500–$20,000
• Utilization: Always 0–1%
This more established tradeline may offer a stronger enhancement depending on the individual’s credit file.
✔ Example #3
• Seasoned Age: 5+ years
• Credit Limit Range: $15,000–$35,000
• Utilization: Always 0–1%
This premium tradeline is ideal for maximizing credit profile strength and can have a significant impact depending on the individual’s credit history.
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