Like a fingerprint or DNA, no credit report is the same. As such, the score improvement you should expect depends entirely on your current credit report.
The “40 to 50 points per tradeline” claims you see on competitor websites are so false and misleading, it could be considered humorous (if only these claims didn’t negatively affect real people’s lives).
Piggybacking credit tradelines affects everyone differently because everyone’s starting point is different.
Can you tell me, generally, how much my score will increase by adding Seasoned Tradelines?
Generally, the fewer the number of tradelines (or accounts) you already have on your credit report, the larger impact the authorized user tradelines will have on your credit score. And, likewise for the inverse.
Largely, the less negative items you have on your credit report, the higher your score will increase after adding seasoned tradelines. Again, the opposite applies.
We will discuss three scenarios…
One; what credit score increase to expect with negative items such as collections and charge-offs, etc., two; what happens if you try to pack your credit report with too many seasoned tradelines, and, three; what happens when you add tradelines to a limited credit file.
Tradelines added to a report with derogatory items…
Of course, all situations are different, but it is possible to boost your score with tradelines even if you have derogatory or negative items on your current credit report.
The amount and severity of the negative items will determine how much of a boost you get… along with the appropriate selection of tradelines to counter the problems with your report. Below is an example of a credit report with derogatory items and the addition of tradelines. The scores went from between 590 and 630 to over 700 on all bureaus.
When you look at the report, you will notice derogatory items and assume there’s no way this file would be in the 700s. The tradelines are to thank for this score.adding-tradelines-to-a-file-with-negative-or-derogatory-items
Can I just load up my credit report with Tradelines and get an 800 credit score?
We’ve ran into a couple of situations where clients demand that we sell them 5 and 6 tradelines because they are (insert ridiculous reason here).
Unfortunately, we decline each request as it simply will not work and we like to help our clients, not hurt them. We are not entirely sure why this happens, but if you exceed a certain amount of authorized user tradelines, it seems to freeze any movement in your score.
Take the scores from the report below. Theoretically, with that many lines, this client should have been in the 700s, but the client barely got out of the 600s. By the way, this client came to us for additional lines… no that wasn’t a joke. More importantly, no underwriter worth their salt would allow such a significant amount authorized user tradelines through closing. Even if it worked, you’d be wasting your money because a good underwriter is going to kick off excessive AUs from your file.why-stacking-your-file-with-tradelines-will-no-work
How much can my score increase with nothing but Seasoned Tradelines?
If you are in the rare (yet lucky) position of having no credit or very limited credit, you can expect drastic increases in your credit score. The example below is from a foreign immigrant whose credit file was about 3 years old at the time they purchased tradelines. They literally had no credit whatsoever and a zero credit score. To avoid the catch 22 of the inability to obtain credit because a lack of credit, they purchased tradelines from Superior Tradelines, LLC and their score went from zero to the 770s.how-much-will-my-score-increase-if-I-dont-have-any-credit