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How To Add Tradelines To Your Credit Report: Increase Your Credit Score

How To Add Tradelines To Your Credit Report

Do you want to know how to add tradelines to credit report? This can be an extremely effective way to increase your credit score. Tradelines are a great way to improve your credit rating, and they can help you get approved for loans and other lines of credit. In this blog post, we will discuss the benefits of tradelines and how to add them to your credit report.

If you have a bad credit from past mistakes, adding tradelines to your credit report can help you increase your credit score.

Credit Score Factors

There are a few elements that affect your personal credit scores. Before you add a new tradeline to your credit report, you first must understand what makes up your credit score. The FICO Score is the most used credit scoring model among lenders.

FICO Score Factors

  • Payment History – Payments history makes up 35% of your FICO score making it the most important factor. If you have any late payments, collections or bankruptcies can negatively impact your score.
  • Amount Owed – The amount of debt you owe across all credit accounts. This makes up 30% of your FICO score.
  • Length Of Credit History – The length of your oldest active credit account as well as the length of all your credit accounts. This makes up 15% of your score.
  • New Credit – Any new accounts that you have recently opened. This makes up 10% of your credit score.
  • Credit Mix – Lenders like to see a mix of credit. This includes having credit card accounts and loans and makes up 10% of your credit score.

Related: Credit Karma Vs FICO Score

What Are Tradelines?

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Tradelines are lines of credit that are added to your credit report. Any time you borrow money from a lender it is considered a tradeline. Types of credit tradelines include:

  • Credit Card TradelineCapital One, Citi, Wells Fargo, American Express ect.
  • Secured Credit Cards – credit cards that require a deposit for bad credit
  • Store Cards Amazon, Walmart, Costco ect.
  • Auto Loancar loans to buy a new or used car
  • Personal Loans – loans used to pay off credit card debt, renovate your home, pay for a wedding.
  • Student Loans – loans used to pay for college
  • Mortgage – a home loan used to purchase a house
  • Authorized User Tradelines – being added to someone else’s credit account such as friends, family member or buying an aged tradeline from tradeline companies
  • Rent Reporting – Reporting your rent through rent reporting services like RentReporter

How To Add Tradelines To Your Credit Report

How To Add Tradelines To Your Credit Report

To add a tradeline to your credit report you just simply open up a new line of credit. This credit can be a new credit card, mortgage, loan or reporting your rent. The lenders will then report the new line of credit to the major credit bureaus (Equifax, Experian, TransUnion).

It can take 60-90 days for new tradelines to appear on your credit report.

Business Tradelines

Business Tradelines

Business tradelines is any credit accounts between a business and a vendor. If you are a business owner you can also report business tradelines to your business credit report. Types of Business tradelines include:

  • Business Credit Cards – Capital One Spark, American Express Platinum
  • Line Of Credit – short-term financing
  • Business Loans – Funding or loans for your business such as Fund & Grow

Business tradelines are not the same as personal credit tradelines. Business tradelines are reported to your business credit report and impacts your business credit score. The major business credit bureaus are Dun & Bradstreet, Experian Business and Equifax Small Business. There are three main business credit scores used by business lenders PAYDEX Score, Intelliscore PlusSM, FICO Liquid Credit Small Business Scoring Service.

Tillful and Nav also have business credit scores that are easy to read and give you helpful tips to increase your business credit score.

Related: What Are Business Tradelines?

How To Add Business Tradelines To Your Credit Report?

Building business credit is essential to grow your business. You can do that by adding business tradelines. In order to add business tradeline to your credit report you will need to open new business credit accounts. Not every business tradeline will report to every business credit bureau.

Some business credit accounts can take several months before it reports to your business credit report.

It is important to note that the vendor name will not appear on your credit report. Instead the business type will be reported.

Find out which company reports to each business credit bureau.

The Benefits Of Increasing Your Credit Score With Tradelines

There are many benefits of increasing your credit score by adding new tradelines. Some of these benefits include:

  • Increased credit limit – adding new tradelines can increase your credit limit. The more credit you have available the better your credit score.
  • Increased length of credit history – adding aged tradelines to your credit report can increase your length of credit history. Lenders like to see accounts open longer than 10 years for excellent credit.
  • Lower interest rates – having a good credit score can lower your interest rates for loans, mortgages and credit cards.
  • Better credit card options – when your credit score is increased it opens up new credit cards options such as 0% interest, balance transfers and rewards.

Related: How To Buy Tradelines To Increase Your Credit Score

Why Do Some Tradelines Not Appear On Your Credit Report?

When you look through your credit report and notice that an account is reported it might be for a few reasons. Here are some of the reasons why accounts may not be reported by the major credit bureaus:

  • Account Is Too Old – When an account is too old and closed it will fall off of your credit report between 7-10 years.
  • Doesn’t Report To Credit Bureau – Some accounts like cable, water, telephone and utilities don’t report to the credit bureaus. Most rent isn’t reported to your credit report either unless you use a rent reporting service like RentReporters.

If an account should be on your credit report but is not listed contact the lender to see why the tradeline isn’t being reported.

On the other hand if there is an account being reported to your credit report that shouldn’t be there you can dispute the item.

If you choose to fix your credit on your own you can access the best credit repair software for removing collections and inquiries here 

How To Dispute A Tradeline From Your Credit Report?

When you analyze your credit report, which you can get your credit report for free once a year here, and notice any incorrect information you can dispute the item. Inaccurate information that might be on your credit report include:

  • Inaccurate personal information – name, address, phone number, social security number
  • Credit accounts that belong to others
  • Accounts with incorrect credit limits
  • Dates on open accounts are incorrect
  • Hard inquiries for accounts you never authorized
  • Debt listed more than once
  • Accounts that are incorrectly reported as late payments or collections

Once the incorrect item is found send a dispute letter to either the lender, credit card issuers, or credit bureaus that are reporting the error. You can get your free dispute letter here. Mail the dispute letter to the credit bureaus with any proof you have that the item is incorrect.

The credit bureaus have 30 days to investigate the disputed item and send you a response. If they agree that the item is incorrect it will be removed from your credit report. If they disagree and find proof that the item is correct it will stay on your credit report. You can then send a second dispute letter and the item on your credit report might be changed to consumer disputes after resolution.

Related: How To Dispute Credit Report Information

At this point you can continue to dispute the item on your own, use a credit dispute software like Disputebee to automate the dispute process or hire a credit repair company like Credit Saint to do the work for you.

Good Credit Score Tips

Good Credit Score Tips

In order to keep a good credit score from adding tradelines you will need to follow some simple tips.

  1. Never miss payments – always pay your credit accounts on-time every month and make sure all accounts are in good standing
  2. Keep credit cards open – never close any credit cards accounts. Once you close a credit card you lose the on-time payment history, it lowers the length of credit history, and lowers your credit limit.
  3. Keep debt low – the debt you owe should be below 30% of your available credit in order to get the most out of your credit score.
  4. Increase credit limit regularly – you can request a credit limit increase every six months for every credit card account you have.
  5. Apply for new credit accounts – increase your number of tradelines several times a year. The more accounts you have open and are in good standing will increase your credit score.

Related: Easiest Ways To Increase Your Credit Score


To add tradelines to your personal credit report or business credit report apply for new tradelines. Each tradeline you open the lender will report that information to the credit bureaus. Accounts like utilities, phone, cable and some rent may not be reported to your credit report. Business tradelines are different from personal credit tradelines and are reported to the business credit bureaus.

If you are someone who has bad credit or low credit adding tradelines might increase your credit score.

Related Articles: What Are Tradelines? How To Buy & Sell Tradelines To Increase Your Credit Score