How to Post Trade Lines

A trade line is an industry term which refers to any item listed on a credit report, including a mortgage, car note and credit card accounts. Each individual account on a credit report is referred to as a trade line. Getting trade lines posted to one's credit report can be vitally important, especially if it reflects on time payment history, as it helps improve one's overall credit score.

Instructions

1

Obtain your credit report from all three credit reporting agencies: Transunion, Equifax and Experian.

2

Take a look at all three credit reports and determine any active accounts you have which are not being reported and which could also help you build a better credit history and overall score.

3

Contact all three credit reporting companies and request they add any credit lines which are missing. Credit reporting companies can add any credit accounts they are able to verify, though they are not required to do so. Be prepared to provide proof of the positive credit line you have with the vendor.