Choosing a Tradeline: A Comprehensive Buyer’s Guide
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We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to
Choosing a Tradeline: A Comprehensive Buyer’s Guide
Entering the world of tradelines can be daunting, but with the right information, you can make informed decisions. Before diving into the specifics of selecting tradelines, it’s essential to understand the basics. If you’re new to this, resources like a Tradelines 101 infographic, FAQs, and a Knowledge Center can be very helpful.
For those familiar with tradelines and looking to find the best options for purchase, this guide is for you.
Key Factors in Selecting Tradelines
When shopping for tradelines, consider two main variables:
Other factors should remain constant, such as a perfect payment history, low utilization (15% or below), the type of account (typically a credit card), and the reporting date.
If you purchase from a reputable tradeline company, the bank name is usually not a significant factor unless you have specific issues with that bank, such as bankruptcy or unpaid collections.
Understanding the Complexity
The complexity in choosing the right tradeline arises from the unique nature of each person’s credit file. Credit scores are influenced by various data points, and multiple credit scoring models exist, each with different algorithms.
Making the Right Choice
To select the best tradelines for your situation, you need to understand your existing credit file and how new tradelines will interact with it.
Credit Limits and Utilization Ratios
Your credit score can be significantly affected by your credit utilization ratio. While it’s generally recommended to keep utilization below 20%, ideally, a lower ratio is better. High utilization on individual credit cards can negatively impact your score, even if the overall utilization is low.
Adding a high-limit tradeline can reduce your overall utilization ratio, but it might not fully address the issue if individual cards still have high utilization.
Age of Tradelines
The age of a tradeline is crucial because it impacts both your payment history and the length of your credit history, which together constitute about 50% of your credit score. Seasoned tradelines (those at least two years old) are particularly valuable.
Calculating the average age of your accounts can help you understand how new tradelines will affect your score. The more accounts you have, the less impact a single tradeline will have on your average age of accounts.
Examples and Calculations
Example 1: Thin File
Average age: 0.83 years. Adding a tradeline that’s 6 years old would bring the average to 2.1 years.
Example 2: Established Credit File
Average age: 8.5 years. To raise this to 10 years, you would need to add a tradeline that’s 25 years old.
Common Mistakes
A common mistake is purchasing tradelines without calculating how they will affect your credit file. For instance, buying an 18-year-old tradeline may not significantly impact your average age if you already have many accounts.
Final Thoughts
Authorized user tradelines can be beneficial if you choose the right ones. Education is key to making informed decisions and avoiding common pitfalls.
Use a Tradeline Calculator to understand how different factors will affect your credit score and help you choose the best tradelines for your situation.
By considering these factors and educating yourself, you can make strategic decisions that enhance your credit profile effectively.
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