Boost Your Credit Profile with iTradeline's Aged Primary Tradelines





 
 

At iTradeline, we specialize in providing aged primary tradelines—seasoned credit accounts with a long history of positive behavior—to help you enhance your credit profile effectively.

Frequently Asked Questions about Aged Tradelines

​

What are aged tradelines?

​

When a collection agency loses hope of recovering a debt, they often sell it in bulk to another debt buyer, agency, or individual. These debts are considered uncollectible because they have either:
✅ Passed the statute of limitations, meaning the original creditor can no longer sue for payment.
✅ Been written off as a loss on the creditor’s books.

These debts, often called “zombie debt”, are accounts that have come back to life because they are still legally reportable under credit history, even if no active collection effort is being made.

​

What are the different kinds of tradelines?

​

1. Revolving Tradelines (e.g., Credit Cards)

2. Installment Tradelines (e.g., Personal Loans, Student Loans)

3. Auto Tradelines (e.g., Car Loans)

4. Mortgage Tradelines (e.g., Home Loans)

5. Business Tradelines (e.g., Business Credit Cards, Business Loans)

6. Authorized User (AU) Tradelines (e.g., Added to Another Person’s Credit Account)

7. Aged Primary Tradelines (e.g., Closed, Paid Accounts with Long Credit History)

​

​​​

How long do aged tradelines stay on my credit report?

​

1️⃣ Purchase & Processing (72 Hours, No Weekends)

• Once the tradeline is purchased, the buyer receives their information within 72 hours (excluding weekends).

2️⃣ Email Confirmations

• First Email: Includes tradeline details and the Debt Update Letter.

• Second Email: Contains the Reassignment Agreement that must be signed.

3️⃣ Reassignment & Submission

• Once the Reassignment Agreement is signed, the Debt Update Letter is sent to the three major credit bureaus (Equifax, Experian, TransUnion).

4️⃣ Credit Bureau Reporting

• The tradeline updates on the buyer’s credit report within 30 to 35 days.

💡 Bottom Line: The process ensures a structured, timely update of aged tradelines, improving credit scores through proper reporting.

​

How do tradelines show on my credit report?

Paid Closed indivisual accounts.

​

​

Why don't authorized user tradelines always work?

​

Authorized user (AU) tradelines appear on your credit report with the "AU" designation, indicating that you are not the primary account holder and someone else is responsible for the debt. Because of this, lenders may recognize that the positive history is not entirely your own, which can reduce the impact on your creditworthiness compared to primary tradelines.

​

On the other hand, aged primary tradelines report as paid, closed individual accounts and remain on your credit report for up to 10 years. they can significantly improve your credit profile and increase your chances of being approved for loans and funding.

​

How quickly will I see results on my credit score?

Many users see changes in their credit score within 20-35 days after being added to an aged tradeline, depending on the reporting cycle of the credit card issuer.

​​​​​​

Can I choose which tradelines to add?

​

Yes, you can choose which tradelines to add based on key factors like account age, credit limit, and payment history to match your specific credit improvement needs. However, for the best results and cost efficiency, we strongly recommend our bundle packages.

Why Bundles Work Best

✅ Balanced Credit Profile – Having one of each type of tradeline (revolving, installment, and auto) creates a stronger credit mix, which lenders favor.
✅ Better Pricing – Bundling tradelines together reduces the overall cost compared to buying them individually.
✅ Faster Credit Growth – A diverse mix of tradelines helps you achieve a more well-rounded and lender-friendly credit profile.

💡 Bottom Line: While you can choose individual tradelines, the bundle option maximizes results and ensures you build a credit profile that qualifies for major loans and funding opportunities.

​

How many tradelines should I add?

​

The number of tradelines you should add depends on your current credit profile and financial goals. A well-chosen tradeline can significantly enhance your creditworthiness and open the door to better financial opportunities.

​

✅ If you're looking to finance a car, add an auto tradeline with a strong payment history.
✅ If you need a loan, prioritize an installment tradeline to reflect responsible borrowing.
✅ If you want to increase overall credit strength, maintain a balanced mix of revolving and installment tradelines.

​

The 1.5 Rule

To calculate the ideal credit limit you need, use this simple formula:
💡 Desired Loan Amount ÷ 1.5 = Recommended Tradeline Limit

​

Example Scenarios

​

🚗 Want a $30,000 car loan? → Aim for an auto tradeline of at least $20,000 ($30,000 ÷ 1.5).
💳 Need a $15,000 personal loan? → A $10,000 installment tradeline ($15,000 ÷ 1.5) helps establish credibility.

The key is strategic selection—matching the tradeline type to your financial goals ensures maximum impact on your credit profile.

​

Will adding tradelines remove negative items from my credit report?

No, adding tradelines will not remove negative items from your credit report. However, the positive history from the tradeline can help offset the impact of negative items.

​

How do I get started with purchasing aged tradelines?

When ready:

1. send Payment

2. Send contract

3. You will receive your order within 72 hours ( we don’t work on weekends )

​

​

What if the tradeline doesn't appear on my credit report?

If the tradeline does not appear on your credit report within the expected time frame, contact us immediately. 

​

Can tradelines help with obtaining a loan or mortgage?

Yes, adding aged tradelines can improve your credit score, making it easier to qualify for loans or mortgages with better terms and interest rates.

​​

​