 What is meant by the term tradeline?
 A tradeline is a part of a credit report that reflects a credit relationship
between a consumer and a creditor. It is usually a debt or a potential debt owed by the consumer to
the credit grantor.
An example of such an account relationship is your Visa, American
Express or other credit card account. A typical consumer report contains multiple tradelines, and
each reveals specific information about the account relationship, including: the account holder’s
account number, the name and subscriber code of the credit grantor and its kind of business; the
open date of the account; the verified date on the account; the type of loan; the credit limit
assigned by the credit grantor; the payment patterns and history; the present status of the account;
and the closed date of the account.
When a credit grantor, such as a credit card company, reports the tradeline to the credit reporting agency, current information about your name, address, telephone number, date of birth, social security number, any
generational suffix is also included. This is one way in which your current address and identitying information is kept up to date.
Public record information such as bankruptcies, tax liens,
foreclosures and civil judgments as well as collection accounts are also considered tradelines.
Order your credit report if you want to see your tradelines as they are currently being reported.
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