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What are credit tradelines?
Credit tradelines are credit accounts such as credit card accounts, auto loans, student loans, installment loans, mortgage loans, and other creditors that report the borrowers payment history and credit information on the three credit reporting agencies ; Transunion, Equifax, and Experian. Mortgage lenders only will consider a credit tradeline as a tradeline if the mortgage loan borrower has had a payment history for at least 12 months. Some mortgage lenders will have a minimum amount of credit tradelines required such as 3 minimum credit tradelines while other mortgage lenders may require up to 5 credit tradelines as part of their mortgage lender overlays. Some mortgage lenders require that the credit tradelines have been seasoned for at least 24 months instead of 12 months.

Here is an article on credit tradelines


Non-traditional credit tradelines can be used in lieu of traditional credit tradelines. Attached is a link to an article I recently posted from my blog on non-traditional credit tradelines.



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