Tradeline
Any credit account listed on your credit report, including credit cards, loans, and lines of credit. Each tradeline includes account details such as the creditor's name, account number, credit limit or loan amount, balance, and payment history.
Related guides
- Full credit & FICO® glossary
Browse all defined terms by category.
- Credit Report
A detailed record of your credit history maintained by each of the three major credit bureaus (Experian, TransUnion, Equifax). Contains personal information, account history, payment records, public records, and credit inquiries.
- Payment History
The most heavily weighted factor in your FICO score, accounting for 35% of the calculation. Reflects whether you've paid your bills on time. Late payments, collections, bankruptcies, and charge-offs all negatively affect this factor.
Frequently Asked Questions About Tradeline
What does Tradeline mean?
Any credit account listed on your credit report, including credit cards, loans, and lines of credit. Each tradeline includes account details such as the creditor's name, account number, credit limit or loan amount, balance, and payment history.
Is Tradeline important for my FICO® score?
Understanding Tradeline helps you manage your credit profile more effectively, which in turn supports a stronger FICO® score.