Become an Authorized User on a Positive and Seasoned Tradeline
An effective way to increase your perceived creditworthiness is to buy seasoned tradelines and be added as an authorized user on a positive and seasoned revolving account or tradeline. There is a lot to know about the best way to do this. And, there are steps to take before you do this.
Before You Buy Seasoned Tradelines
You should first make sure you have taken steps to remove as many derogatory items from your credit report as possible. If you purchase a tradeline and still have negative items on your credit report you may not get the effect on your credit score that you desire.
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Buy Seasoned Tradelines
Once you have cleaned up your credit report as much as possible you may want to buy seasoned tradelines which will be listed on your credit report. But here’s what you need to know before you do.
- Seasoned tradelines are revolving accounts meaning they are credit card accounts.
- When you buy seasoned tradelines you are:
- Adding positive payment history
- Showing a longer time of having established credit (seasoned)
- Showing responsible use of credit by having an account with a low debt ratio.
- Because of what is stated above you may see a 30 to 60 point increase on average.
- A seasoned tradeline may give you a new highest credit amount. This will also show more credit worthiness.
- The tradeline may show up on less than all 3 credit reports. Make sure you get a guarantee when you buy seasoned tradelines. We guarantee it will report on 2 out of 3 of the major credit bureau reports.
- You will NOT be able to use that credit line. It will simply show up on your credit report.
- This item will show as an open account on your credit reports for a very short period of time. Most companies that you purchase tradelines from will give you 30 days.
- After the stated time you will be taken off the tradeline. The credit bureaus may remove that tradeline from your credit report or leave it on your report. It will usually remain for 3 to 6 months.
The key then is to be ready to use the positive effect when you buy seasoned tradelines when it is present on your credit report.
For more information on how we can help you improve your credit score visit Credit Services.
This article which was originally posted in 2018 is updated regularly and was last updated in July 2023.
ERA Credit Services is an Independent Advisor
and does not directly provide credit repair services or accept funds from clients for credit repair services.