Credit Education Tool
Tradeline Calculator
Model how authorized user tradelines may affect your average age of accounts and credit utilizationbefore you buy.
Average Age
2.50 yrs
Utilization
25.00%
How to Use the Tradeline Calculator
Step 1: Obtain a recent copy of your credit report.
Step 2: Identify revolving accounts only(credit cards). Do not include auto loans, mortgages, student loans, or installment accounts.
Step 3: Calculate the age of each card (e.g., 2.5 years) and enter it under Age (yrs).
Step 4 (Optional): Add a card name under Description for clarity.
Step 5: Enter the credit limit.
Step 6: Enter the current balance owed.
Once your current accounts are entered, you can add hypothetical tradelines to see how different ages and limits may affect your averages.
Revolving Credit Accounts
| Description | Age (yrs) | Limit | Balance | Utilization | Actions |
|---|---|---|---|---|---|
| 25.00% |