When Will My Tradeline Start Reporting?

Can Negative Items Stay On My Credit Report Forever
Can Negative Items Stay On My Credit Report Forever?
September 21, 2021
Why Don’t I Have a FICO Credit Score
Why Don’t I Have a FICO Credit Score?
September 30, 2021

When Will My Tradeline Start Reporting?

It may take anywhere from 15 to 45 days for a tradeline to show up on your credit report. With so much of the information surrounding how credit bureaus receive the information being a complete mystery, it is almost impossible to provide an exact answer. However, we do know that there are a few factors that come into play, including:

  • How long it takes for a tradeline company to complete your tradeline paperwork
  • What kind of authorized user tradeline you purchased
  • What the statement date of the line purchased is

Once My Tradeline Reports, How Long Will It Continue Reporting?

When you purchase a tradeline, you are essentially taking an unused piece of someone else’s account for your own credit needs. Think of it as someone in your family adding you to their credit card account without ever giving you their credit card to use. Tradeline accounts will eventually go inactive because there aren’t any credit card transactions that will happen with the account. Eventually, these inactive accounts fall off.

You need to make sure to challenge and stay up-to-date with any changes that credit bureaus are making to your accounts. These changes can have a major impact on how long your tradeline will stay on your report. There are many people out there that only get to take advantage of tradeline accounts for 45 days. On the other side, there are many people that get to take advantage of tradeline accounts for up to seven years.

Why Does How Long My Tradeline Stays Active Matter?

Well, in actuality, how long a tradeline stays on your account doesn’t really matter. Remember, tradelines are like inactive accounts. What really matters is how much of a boost a tradeline provides your score with initially. If it doesn’t stay on your account for a long time after giving you a big boost, it doesn’t really matter.

For example, let’s say that you purchase a tradeline account that ends up sitting on your account for seven years. You might get a 100-point climb in the first year of having access to that account, as you’re essentially gaining access to a longer and stronger credit history.

However, you are not going to see a 100-point climb every year after the first year. Even if the account only stays on your report for two months, the same thing goes.

Final Thoughts – Is A Tradeline A Good Idea For Your Financial Goals?

One of the major ways in which people seek to boost their credit scores quickly is by purchasing authorized user tradelines. To get the most out of a tradeline, however, you must have an understanding of why you are choosing to purchase one.

Here at Personal Tradelines, we help all kinds of people increase their credit scores with the use of authorized user tradelines. If you’re interested in learning more about how tradelines can help you, make sure to drop us a line.