Hidden Trade Lines

[lhcole77]

The only hidden TL I have is PayPal credit. It doesn't factor into utilization AND it doesn't show up anywhere. I did take a HP on EQ for it which shows up. The line itself doesn't.

[CreditCuriosity]

PayPal Credit is well worth it IMO.. Wish I would of got onto the Diners train while it was still around, but probably wouldn't of gotten it at that time.. I would gladly pay the AF for that hidden TL with a pretty good APR and rewards as well

[lhcole77]

@ CC: Me too!!! If I had known then what I know now I would have app'ed for Diners.

Oh, forgot to mention: other creditors don't see history of payments on hidden TLs either

[Nova5041]

Newegg preferred is another hidden trade line, which is the same bank as paypal credit. Paypal credit is great, only one hard pull for me and does not report at all. Used it to pay my progressive insurance in full, saved 65 bucks by paying in full, and zero payments and interests for 6 months over $99 is awesome. 

[JagerBombs89]

NFCU, YMMW

[takeshi74]

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@JTC403 wrote:

Business Credit Cards 

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They're not really hidden.  They don't show up on personal reports (unless delinquent) but they do show up on business reports.

IIRC the Palladium is hidden.

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@Anonymous wrote:

So HIDDEN just totally don't show up at all? (I know, sounds like an obvious question, but humor me.) 

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That is correct.

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@CreditCuriousity wrote:

PayPal Credit is well worth it IMO.

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I used it a lot when rebuilding but don't really use it anymore.  The 0% offers are nice when available but it's a small TL (compared to the other TL's I've picked up since I finished rebuilding) and has no rewards.