Personal blog on early retirement, selling tradelines, and analytics projects. I write about what I learn as I am learning it.
Auto tradelines come up enough in buyer conversations that I want to address them directly. The phrase gets used to describe a few different things, and depending on which one a seller is pitching, you’re either looking at something worthless, something fraudulent, or something that doesn’t exist in the form being advertised.
Continue reading “Auto Tradelines for Sale: Why Most Are Fake”
Tradelines for business credit — it’s a question I get from business owners regularly, and the answer depends entirely on which credit system you mean. and the slightly longer answer is that the two systems — personal credit and business credit — run on separate rails that don’t talk to each other as much as people expect.
Continue reading “Tradelines for Business Credit: Which Kind Helps”
Business tradelines for sale is one of those search phrases where the term means different things depending on who’s using it. In my experience, buyers searching this usually fall into one of two camps: people trying to build a business credit profile from scratch, and people who want to strengthen their personal credit to qualify for business financing. Those are genuinely different problems, and the products — if they exist at all — are different too.
Continue reading “Business Tradelines for Sale: What I Actually Sell”
Of all the credit score factors that tradelines can influence, age is the one I think about most as a seller. You can open a new credit card tomorrow. You can pay down a balance this week. But you cannot manufacture a 12-year-old account. Aged tradelines — accounts with long histories — are the one resource in this business that genuinely can’t be replicated quickly, and that’s exactly what makes them worth understanding before you buy.
Continue reading “Aged Tradelines: Why Account Age Is Hard to Buy”
Buyers ask me this constantly: which tradeline is the best one to buy? And almost every time, the follow-up question is about issuers. Chase or Capital One? Amex or Discover? The honest answer is that picking by brand name is one of the most reliable ways to overpay for underwhelming results. The best tradelines to boost credit score have almost nothing to do with whose logo is on the front of the card.
What actually matters is three numbers: the credit limit, the age of the account, and the utilization rate at statement close. Everything else is noise.