Review: Seasoned Tradelines Packages

So what are seasoned tradelines? In the simplest sense, they are credit card accounts that are at least 2 years old.If you have one or more healthy seasoned tradeline on your credit report,you likely have a good FICO score. Unfortunately, the opposite is true if you either don’t have any seasoned tradelines or if your accounts are unhealthy. Well, there’s a solution. You can purchase seasoned tradelines from an intermediary company connects buyers and sellers of seasoned tradelines.

How Can I Add Seasoned Tradelines To My Credit History?

By using a company like Top Tradelines, you will be connected with someone who is selling his or her healthy seasoned tradeline. Basically how it works is that the account holder will list you as an authorized user on one of her or his credit card accounts. By being listed as an authorized user, the complete credit history of that account will appear on your credit record. The end result is that in a little over a month your credit report will contain the healthy repayment history, high credit limit, and low debt ratio of the account you acquired. In most cases the immediate result is a score increase, and sometimes the increase is quite dramatic.

In case you’re wondering, it’s all legal. According to the Equal Credit Opportunity Act of 1974, and its implementation through Regulation B, information on a spouse’s authorized user account must be reported by creditors to credit bureaus.  Since creditors usually provide information to credit bureaus on all user accounts without distinguishing account holders from authorized users, all the accounts are reported.

What Packages Are Available?

You can acquire individual tradelines by searching through online inventory database. Or if you want greater value, you can purchase one of its packages. Below is a sampling of some of the packages currently available.

  • Iron Package. You get 3 tradelines with the average of 2 years. You pay an average price of $333. It’s a good package for someone looking to build his or her credit history.
  • Silver Package. This is a much more robust package offering 3 tradelines that are each 5 years old, on average, with an average credit limit of $7,500.
  • Diamond Package. This is Top Tradelines most expensive package, at almost $6000, but it offers 6 tradelines that have an average life of 7 years and average credit limit of $25,000. This is the package for you if you’re seeking the most credit possible. You credit score will soar after adding these tradelines.

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