Buyer's Guide

There's no single “best” tradeline — the right pick depends on what you're trying to accomplish.

Account age contributes to the average age of accounts on your credit report. A tradeline with a longer history tends to move that average more.

Credit limit matters most if you're carrying balances elsewhere — a high-limit tradeline can lower your overall utilization ratio, since utilization is calculated across all of your revolving accounts together.

Before buying, use our free calculator to enter your existing accounts and model how a specific tradeline would change your average age and utilization.