From Start to Finish!
5 Biggest Benefits of adding tradelines!
- We have resources with every type of tradeline possible. Closed and Paid off, Open revolving, installment, Credit Card, Auto, Mortgages both Paid off and Open!
- Funding-The proper mix of tradelines can get you from $50,000 to $500,000 in funding, lines of credit, and credit cards.
- Tradelines add up to 200 or more Fico Points to your 3 bureau scores.
- Tradelines can reduce your debt ratio up to 95%.
- Tradelines reduce all your interest rate costs. You can save up to $150,000 on a 30 year mortgage, thousands on a car loan, etc.
it typically takes around 30 days for the Tradelines to appear as paid and closed individual accounts, depending on agency processing times.
Frequently Asked Questions about Aged Tradelines:
Frequently Asked Questions about Aged Tradelines:
What are aged tradelines?
When a collection agency loses hope of recovering a debt, they often sell it in bulk to another debt buyer, agency, or individual. These debts are considered uncollectible because they have either:
* Passed the statute of limitations, meaning the original creditor can no longer sue for payment.
* Been written off as a loss on the creditor’s books.
These debts, often called “zombie debt”, are accounts that have come back to life because they are still legally reportable under credit history, even if no active collection effort is being made.
What are the different kinds of tradelines?
- Revolving Tradelines (e.g., Credit Cards)
- Installment Tradelines (e.g., Personal Loans, Student Loans)
- Auto Tradelines (e.g., Car Loans)
- Mortgage Tradelines (e.g., Home Loans)
- Business Tradelines (e.g., Business Credit Cards, Business Loans)
- Authorized User (AU) Tradelines (e.g., Added to Another Person’s Credit Account)
- Aged Primary Tradelines (e.g., Closed, Paid Accounts with Long Credit History)
How long do aged tradelines stay on my credit report?
- Once the tradeline is purchased, the buyer receives updates in 3 days * Email Confirmations
- First Email: Includes tradeline details and the Debt Update Letter.
- Second Email: Contains the Reassignment Agreement that must be signed.
- * Reassignment & Submissionn
- All tradelines are different and report differently, some can post as little as one week! Once the Reassignment Agreement is signed, the Debt Update Letter is sent to the three major credit bureaus (Equifax, Experian, TransUnion) * Credit Bureau Reportingg
- The tradeline updates on the buyer’s credit report within 7 to 35 days.
- 💡 Bottom Line: The process ensures a structured, timely update of aged tradelines, improving credit scores through proper reporting.
How do tradelines show on my credit report?
Paid Closed individual accounts.
Open and showing 5% debt reducing your debt ratio as much as 95%!
Why don't authorized user tradelines always work?
Authorized user (AU) tradelines appear on your credit report with the “AU” designation, indicating that you are not the primary account holder and someone else is responsible for the debt. Because of this, lenders may recognize that the positive history is not entirely your own, which can reduce the impact on your creditworthiness compared to primary tradelines.
On the other hand, aged primary tradelines report as paid, closed individual accounts and remain on your credit report for up to 10 years. they can significantly improve your credit profile and increase your chances of being approved for loans and funding.
How quickly will I see results on my credit score?
Many users see changes in their credit score within 7-35 days after being added to an aged tradeline, depending on the reporting cycle of the credit card issuer.
How many tradelines should I add?
The number of tradelines you should add depends on your current credit profile and financial goals. A well-chosen tradeline can significantly enhance your creditworthiness and open the door to better financial opportunities.
✅ If you’re looking to finance a car, add an auto tradeline with a strong payment history.
✅ If you need a loan, prioritize an installment tradeline to reflect responsible borrowing.
✅ If you want to increase overall credit strength, maintain a balanced mix of revolving and installment tradelines.
The 1.5 Rule
To calculate the ideal credit limit you need, use this simple formula:
💡 Desired Loan Amount ÷ 1.5 = Recommended Tradeline Limit
Example Scenarios
🚗 Want a $30,000 car loan? → Aim for an auto tradeline of at least $20,000 ($30,000 ÷ 1.5).
💳 Need a $15,000 personal loan? → A $10,000 installment tradeline ($15,000 ÷ 1.5) helps establish credibility.
The key is strategic selection—matching the tradeline type to your financial goals ensures maximum impact on your credit profile.
Will adding tradelines remove negative items from my credit report?
No, adding tradelines will not remove negative items from your credit report. However, the positive history from the tradeline can help offset the impact of negative items.