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How to choose tradelines

When shopping to buy tradelines, there are two main variables to consider:

•the age of the tradeline•

•the credit limit of the tradeline•

All the other variables should be about equal, which includes having a perfect payment history, having low utilization (at or below 15%), the type of account (usually a credit card), and the reporting date of the account.


So, with only two variables to consider, why is it so challenging to be able to choose the right tradelines? The answer is that most people’s credit files are fairly complex due to their depth of credit history. People have numerous data points in their credit file and all that data plays some sort of role in calculating their credit score


Every person’s credit file is unique, making it very difficult to discuss how tradelines may affect anyone “on average.” Additionally, there are multiple different credit scoring models, each with their own proprietary algorithm that takes into account a very large number of data points within someone’s credit report.

When choosing the best tradelines for your situation, it’s not just about buying the top tradelines in terms of price. To make the right decision, you will need to have an understanding of what is already in your credit file and how tradelines could add to your file.


We suggest you go to to look at where you stand credit wise which will help you better understand how we can help you. If you still need assistance, please book a consultation with Credit Creator at

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