How Much Will A Tradeline Boost My Credit?

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If you are looking for a quick and easy way to boost your credit score, tradelines may be just what you need. A tradeline is simply a line of credit that is extended to you by another person or organization. You can quickly and easily boost your credit score by piggybacking on someone else’s tradeline.

So, how will a tradeline boost your credit score? This blog post will discuss how tradelines can help increase your credit score and what you need to do to get started!

What Are Tradelines?

If you have bad credit or no credit history at all, then tradelines can be a great way to help improve your credit score.

A tradeline is a credit account that is added to your credit report. By adding tradelines to your credit report, you increase your total available credit and help to establish a good credit history. This can be a great way to improve your chances of getting approved for loans and other lines of credit in the future.

What Makes A Good Tradeline?

Not all tradelines are created equal. In order to get the most bang for your buck, you will want to make sure you choose a tradeline that reports to all three major credit bureaus (Experian, TransUnion, and Equifax). Additionally, you will want to select a tradeline, considering the following factors:


Good tradelines are the ones that have been existing for years. They are the ones with a long, positive credit history. The older the tradeline is, the more beneficial they are in boosting your credit score in this industry. Choosing a tradeline with long years of existence will help extend the length of your credit history shown on your report. Unfortunately, opting for a newer tradeline will not be as beneficial and could waste time and money.

Credit Limit

As in age, the higher the credit limit on the tradeline is, the better. Tradelines with high credit limits will help increase the amount of available credit on your credit report. High credit limits are more attractive to lenders. They are also more pleasing to credit scoring models.

Credit History

You will encounter several tradelines in the market. Thus, it is vital to know how to gauge the best ones for you. When choosing tradelines, you have to look into their credit history. Tradelines with positive payment history will be helpful for your credit scores. On the contrary, tradelines with a negative credit file could hurt your score. Never choose a tradeline with a history of non-payment or late payments. They are more likely to damage credit scores instead of boosting them.

Credit Utilization Ratio

Your credit utilization ratio shows how much revolving credit you are currently using compared to the total amount of credit available. This is a calculation of the amount you owe divided by the amount of your credit limit. We usually express the result in percentage. When picking a tradeline, the ones with a low credit utilization ratio are the best. The ideal utilization ratio is 30% and below. However, it is essential to know that having a 0% utilization ratio will not be helpful for a credit score boost. A tradeline with no activity means there is no available data for scoring models to use.

Tradeline Company

When looking for a tradeline, you have to ensure you only transact with a legit tradeline supply company LLC. You also need to verify that the company will add you to an account that reports to credit bureaus. Otherwise, adding such a tradeline will be useless and a waste of resources.

What Is An Authorized User Tradeline?

An authorized user tradeline is a credit line added to your credit report by someone else. As an authorized user, you benefit from the credit history of the primary account holder as the account will be added to your credit report. This can be a great way to build up your credit history and improve your credit score. Authorized user tradelines are available for credit card accounts.

To become an authorized user on someone else’s account, you will need their permission. Once you have been approved as an authorized user, the account will appear on your credit reports just as if it were your own.

It is essential to know, though, that you will have no access to the personal and financial information of the primary account holder. You will not be responsible for paying debts incurred by the primary credit card account holder. For example, if the account holder has an existing auto loan or personal loan, you are free from the person’s obligations. The account holder is responsible for paying the debt on time and in full. Thus, the importance of choosing a reliable and accountable tradeline owner. Otherwise, it could be a headache.

What Are Seasoned Tradelines?

There is such a thing as “seasoned tradelines” in the tradeline industry. A seasoned tradeline is a credit account that has been open for a long time. These are credit accounts that are at least two years old.

Seasoned tradelines are more beneficial than newly opened accounts because they show a history of on-time payments. This can help improve your credit score by demonstrating your ability to handle credit responsibly over an extended period. Additionally, seasoned tradelines usually have higher credit limits which can help lower your credit utilization ratio. If you are looking for a way to improve your credit score or for credit repair, then adding a seasoned tradeline to your credit report may be the right choice for you.

What Are The Advantages Of Buying Tradelines?

The tradeline industry is booming. In recent years, it has become popular, especially among those with a poor credit file or none at all. Buying tradelines is very beneficial. By purchasing the right ones, you will get to enjoy the following benefits:

Improves Your FICO Score

The primary purpose of buying tradelines is to help boost your credit score. Major credit bureaus pull out your records and come up with a credit report. Banks and other lending companies then use the report to determine your creditworthiness. There are many factors affecting your credit score. One of them is by adding a seasoned tradeline with perfect payment history to achieve a higher credit score.

Increases Your Chances For Loan Approvals

Your credit score plays a vital role when loaning for money. Whether it is a car loan, personal loan, or mortgage, lending companies will look into your score. A higher credit score means easier loan approvals. Buying tradelines from another person’s secured credit card account gives you better chances of having a higher credit score. Essentially, it makes it easier for a credit card company or lending company to approve your card or loan application.

Lowers Interest Rates

Banks and other lending companies rely on your credit report to determine your creditworthiness. Having a positive credit file translates to easier loan approvals. More so, to lower interest rates. You are likely to enjoy lower interest rates when you have a high credit score, especially if your FICO score is 700 and beyond.

Increases Your Total Available Credit

Adding a tradeline affects your total credit limit. If the tradeline has a high credit limit, you automatically benefit from it as well. It is vital to know that banks only provide a high credit limit to credit card accounts with a positive credit history. As an authorized user account holder, having a higher credit limit shows projects an image that you can manage your finances well.

Lowers Your Credit Utilization Ratio

As mentioned earlier, the most desirable utilization ratio is 30% and below. Having a high utilization ratio negatively affects your credit score. It provides an impression to lenders that you are not capable of paying your debt on time. Purchasing a tradeline increases the amount in your credit card account. Thus, resulting in a lower credit utilization ratio.

What Is A Credit Score?

A credit score is a three-digit number lenders use to determine your creditworthiness. It is essential to have a good credit score, as it can affect your ability to get a loan, mortgage, or credit card. One way to boost your credit score is by adding tradelines to your credit report. Tradelines are lines of credit that are added to your report by someone else. They can help improve your credit utilization ratio and boost your credit score. In this blog post, we will discuss how tradelines work and how they can help improve your credit score.

What Are The Factors Affecting My Credit Score?

You already know what a credit score is and its importance to your future loan transaction. This time, we look into the factors affecting your score. It is essential to know that there are many factors that influence your credit score. Most top lending companies use Fair Isaac Corporation (FICO) credit scores. Your FICO score is determined by the following:

Payment History

Your payment history is one of the most critical factors affecting your credit score. Your payment history includes all the payments you have made on your debts in the past. On the one hand, a good payment history shows lenders that you are a responsible borrower and likely to repay your debts on time. On the other hand, bad payment history can damage your credit score and make it difficult to get approvals for new loans or lines of credit. Your payment history comprises 35% of your FICO score.

Credit Utilization Ratio

Your utilization ratio is the amount of debt you have compared to your total credit limit. It covers 30% of your score. A high utilization ratio can damage your credit score because it shows lenders you are using a large portion of your available credit. A low credit utilization ratio can improve your credit score by showing lenders you are using a small portion of your available credit.

Length of Credit History

The length of credit history is also an essential factor affecting your credit score. It comprises 15% of your credit score. The longer you have been borrowing money and making payments on time, your credit score will be better. This is because a long history of responsible borrowing shows lenders that you are a trustworthy borrower who is likely to repay your debts on time and in full.

Types of Credit Accounts

A mix of different credit accounts, such as credit cards, auto loans, and mortgages, can improve your credit score. It shows lenders you are a responsible borrower who can manage different types of debt. Credit score models consider how many other ‌credit accounts you have as an indicator of how well you manage a wide variety of credit products. This factor accounts for 10% of your FICO Score.

Number of Inquiries

New credit accounts and the number of inquiries on your credit report also affect your credit score. Inquiries are made when you or a lender requests your credit report. Too many inquiries can damage your credit score because it shows lenders ‌you are seeking new sources of credit. This accounts for 10% of your FICO score.

How Much Will A Tradeline Increase My Credit Score?

There are several factors affecting how much tradelines can improve credit scores. As mentioned in the earlier section, these factors include your payment history, utilization ratio, credit history, credit mix, and inquiries. Another thing to consider is how poor your current score is. While buying one tradeline is enough to boost credit scores in some cases, others may need more. Thus, we always recommend consulting a tradeline expert before proceeding with any purchase.

Apart from the factors we mentioned, the quality of the tradeline you buy is also another major factor that affects your score. Seasoned tradelines are the highest quality tradelines available. These tradelines are long-standing and have a positive credit history. Based on a report by Finance Monthly, buying 2-3 seasoned tradelines can significantly improve your credit score by 720 to 850 in one month.

Again, the result differs from one account to another. To be sure, it is best to consult an expert first.

How Many Tradelines Do You Need To Boost Your Credit Score?

The number of tradelines you need to boost your credit score will vary depending on your credit situation. If you have an excellent credit history, you may only need one or two tradelines to see an increase in your credit score. However, if you have bad credit or no credit history, you may need several tradelines to increase your credit score significantly. It is essential to remember that you have to make sure these tradelines are reporting to the three major credit bureaus. Otherwise, your efforts will be put to waste.

When To Add Tradelines To Improve Your Credit?

There is no specific or perfect time to add tradelines. You can decide to add one or more anytime you want. However, if you plan to loan money from banks or other lending companies, we recommend working on your credit profile as soon as you can. The ideal timeframe is 15 days to a month before applying for a loan. This is enough time for your tradelines to be published in your credit report, which is essential for lenders to determine your creditworthiness. Apart from loans, tradelines are also helpful when applying for new credit card accounts.

How Long Does A Tradeline Boost Credit Scores?

You already know how much a tradeline can improve your credit standing. You already have an idea of when to add a tradeline as well. The next question is, how long does it take for tradelines to appear on your credit report?

In general, tradelines start to show up on your report as early as 15 days or as late as 45 days since you purchase them. The posting varies depending on several factors. But some of the most common causes include:

– Type of tradeline you purchased

– How quickly credit report companies receive and update the information

– How soon the tradeline company complete the necessary paperwork

– Geographical distance between the primary account holder and the authorized user tradeline

No matter the reason behind how sooner or later the tradeline will appear on your credit report, it is essential to know that an automatic improvement in your score is not always guaranteed. You cannot rely on the tradelines alone to boost your score. You have to do your part as well.

How Long Does A Tradeline Stay On Your Credit Report?

The length of time the tradeline stays in your report varies depending on the tradeline company. However, even after the primary account holder removes you from the account, it will continue to appear on your credit report as a permanent part of your credit history. Many banks will continue to report the closed tradeline account for as long as 7 to 10 years. It may, however, fall off earlier, depending on the bank. As long as the record still shows the closed tradeline, it will somehow affect your credit score. But, you have to work harder to ensure you keep a high score.

Additional Ways to Improve Your Credit Score

In the previous sections, we mentioned about doing your part to keep a high credit score. Yes, apart from buying tradelines, you also need to work hard to ensure your scores remain high. As you know by now, keeping high credit scores will give you a lot of advantages. One of them is easier approval of loan applications.

To help keep a high score, you must do the following:

Review Credit Reports

If you have an existing credit account, make it a habit to review your credit reports. Check your credit report from the three major national credit bureaus. Look into what’s good or problematic in the report that causes you a high or low score. Usually, high scores contribute to on-time payments, minimal inquiries, old credit accounts, and low credit card balances. Meanwhile, high credit balances and late or missed payments are two major contributors that lead to a poor credit score.

On-Time Payments

Paying your debts on time is a significant factor that influences your credit standing. To improve your credit score, pay on time and in full as much as you can. As mentioned earlier, most lenders use the FICO scoring model. Payment history accounts for a sizeable chunk of your score in this scoring model.  

Low Credit Utilization

Always aim for a 30% or less utilization ratio. The simplest way to do that is always to pay your balances in full every month. Otherwise, at least keep your total outstanding balance at 30% or less.

Keep Old Accounts and Pay-Off Delinquencies

The age of your credit accounts is a key factor in determining your score. The older your average credit age is, the more attractive it is for lenders. However, if you have delinquencies, it would affect your creditworthiness still. Thus, we recommend dealing with them. Resolve them by paying off your balances. 

Use Credit Monitoring Services

A credit monitoring service allows you to see how your score changes over time. Many credit monitoring services are free. They allow you to monitor your progress, but more importantly, your credit report. You get to keep track of your paid-off and new accounts through the service. It also gives you access to at least one of the three credit bureaus. Availing of this kind of service can also help you prevent fraud and identity theft.

Where To Buy Tradelines?

There are many tradeline companies out there. When you search online, search engines will bombard you with a lot of choices. However, it is vital to know that while there are a lot of them, some are legit, while others are bogus. So, where to buy legit tradelines?

You can buy authorized user tradelines from various third-party service companies. The companies provide such services for a certain fee. The prices of tradelines vary depending on the factors we mentioned in the earlier sections. Some cost a few hundred while others go as high as thousands of dollars. If you plan to purchase one, we recommend doing your research first. It is essential to do a background check to ensure the eligibility of the tradeline company. This also prevents you from falling into the trap of fake tradeline companies.

What Makes A Good Tradeline Company?

As mentioned in the previous section, you have to be wary when choosing a tradeline company. You need to ensure you are transacting with a legit one. Otherwise, you will lose money and the opportunity to boost your credit score sooner.

To help you gauge the authenticity of a tradeline company, here are a few essential things to look into:


How long has the company been running? How well are they in the tradeline business? A company with years of existence in the tradeline industry shows they are legit. After all, fake ones will not last long. A long-standing company may also indicate how well they are doing the job. Only excellent companies with excellent customer service last for many years – that’s for sure. To be fair, there are legit ones that are just new to the business. In this case, though, you have to dig deeper to ensure their legitimacy.

Company Reputation

The credibility of the company is very important. Make sure to ask around family and friends who have experience buying tradelines from the company. Check customer reviews and look for both good and bad reviews. Also, check how the company fare compared to other tradeline companies.

Customer Reviews

When checking customer reviews, make sure to look for the excellent feedback and the bad ones as well. This will help you gauge the legitimacy of the company and how trustworthy or reliable they are. Apart from going through online reviews, you may also ask around your peers to know how their experience buying tradelines from the company has been.

Customer Support

Most tradeline companies operate online. This means you can only raise concerns via call or by messaging them online. When choosing a tradeline company, make sure they have easy customer support. The company should indicate its contact details on the website. Having reliable customer service means they are here for serious business and care about you.

What Is Coast Tradelines?

Coast Tradelines is a premier provider of credit building and optimization solutions in the U.S. We have helped thousands of people improve their credit scores so they can get the home, car, or business loan they need.

Coast Tradelines works by piggybacking on the credit of others to help you establish a strong credit history quickly and affordably. We have an A+ rating with the Better Business Bureau, and our team of expert credit consultants is here to help you every step of the way. As with products, our company offers a wide selection from fairly new to seasoned tradelines.

If you are looking for a company you can trust to help you build your credit, look no further than Coast Tradelines. Give us a call today to learn more about our products and services!

Why Choose Coast Tradelines?

With so many options available, why buy tradelines from us? Well, here are a few things that make Coast Tradelines your tradeline company of choice:

Years of Experience

Our company has been in the tradeline industry since 2010. With our years of existence, we guarantee we very well know the ins and outs of the industry. Our team knows what works and what doesn’t. Over the years, we are proud to say our company continues to grow and help people improve their credit scores.

Expert Tradeline Specialists

One of our company’s assets is our people. Our company comprises experts in the tradeline industry. We have been in this business for years. We guarantee our knowledge is vast and our expertise is incomparable. Each will help you understand how tradelines work. Also, as part of our services, we will help you choose the perfect tradelines to boost your credit scores. We will also provide you with tips and guide you to ensure you achieve the score you are aiming for.

Affordable Tradelines

One thing you need to consider when buying tradelines is the price. The price of tradelines varies depending on the quality and the tradeline company. Seasoned tradelines, for example, are more expensive than newer ones. At Coast Tradelines, we offer the most competitive prices in the market. We have a dedicated team ensuring our prices are affordable.

Positive Customer Reviews

For more than a decade in the business, we have been proud to have positive customer feedback. Our previous and existing customers have nothing but good words about our products and our services.

Reliable Customer Service

We understand that excellent customer service is vital in the industry we are in. That is why we ensure our customer support department is open daily during business hours to attend to your inquiries. Should there be any immediate concerns, rest assured that we will do our best to resolve them right away.

Final Thoughts

Buying tradelines and becoming an authorized user can significantly affect your credit score. Depending on the quality of the tradeline, it can either boost or hurt your credit score. For instance, 2-3 seasoned tradelines can increase your credit score from 720 to 850 in just a month. With the guidance of experts like us at Coast Tradelines, you are sure to find ones that fit your needs.

However, no matter how excellent the tradeline is, it would be useless if you do not do your part. You have to work hard to ensure your score remains high as time goes by. Keep track of your credit reports, pay for debts on time and in full, and keep your credit utilization low.

As with buying tradelines, only trust the experts. Contact us today, and let’s start talking about how we can help. You may call us through our hotline number or you may use our contact form on the website.