How to Use my Tradeline Calculator

• Step 1: Obtain a recent copy of your credit report.
• Step 2: Identify which accounts are your revolving accounts, including closed revolving accounts. (Revolving accounts such as credit cards.) There is no need to enter other types of accounts like auto loans, student loans, installment loans, mortgages, etc.
• Step 3: Enter the age of the “credit card” ointo the Tradeline Calculator in the column titled “Age of Card.”
• Step 4: Enter the name of the card under the column “Name of card” to help keep track.
• Step 5: Enter the credit limit under the column titled “Credit Limit.”
• Step 6: Enter the current amount that is owed in the column “Amount Owed.”

So now you have an idea of your average age of accounts and utilization ratios.

Now you can begin entering hypothetical new accounts into the Tradeline Calculator to see how adding a particular testing may affect the results.