topic Re: Compiling List of Hidden Tradelines in Credit Cards

Compiling List of Hidden Tradelines

Anonymous — Fri, 10 Apr 2015 22:50:02 GMT

So hidden TL's are a favorite concept of mine especially since they allow you to carry balances without it affecting utilization. I'll start off and list the ones i know of. Please contribute so we can have this as a master list.

1. Paypal Credit aka new name for Bill Me Later (often abbreviated BML).. please note this is NOT the same as the paypal mastercard which does report

2. Newegg Preferred Account

3. MacMall Preferred Account

Re: Compiling List of Hidden Tradelines

Creditaddict — Fri, 10 Apr 2015 22:57:57 GMT

Diners Club (can't currently apply)

Re: Compiling List of Hidden Tradelines

Anonymous — Fri, 10 Apr 2015 23:06:25 GMT

Capital One overdraft line of credit (up to $1000)

Re: Compiling List of Hidden Tradelines

taxi818 — Fri, 10 Apr 2015 23:26:45 GMT

@Anonymous wrote:
Capital One overdraft line of credit (up to $1000)

Yes i got that one. on my 360 card with em. but ive never used it. so if i don't have cash on my debit card. they will honor that line of credit is what i guess. i was in shock when i got hp for that and they said i have 500 overdraft line of credit. from ing i beleive. great op your list. Diners for sure. had it 6 months now. no reporting.

Re: Compiling List of Hidden Tradelines

ojefferyo — Fri, 10 Apr 2015 23:31:29 GMT

Most business cards

Re: Compiling List of Hidden Tradelines

CreditMagic7 — Fri, 10 Apr 2015 23:33:19 GMT

John Deere Financial (TU pull)

Re: Compiling List of Hidden Tradelines

dilettante — Fri, 10 Apr 2015 23:50:24 GMT

JPMorgan Palladium and Select.

Re: Compiling List of Hidden Tradelines

CreditDunce — Sat, 11 Apr 2015 01:59:38 GMT

Apparently RBFCU has been having reporting anything to the CRA's. There was an earlier post from someone who said their auto, LOC's were not being reported since July. Credit cards were being reported, though. My LOC/Overdraft TL was opened in December and has not reported. No telling when they will get there reporting fixed. But it probably is not a good idea to rely on them not reporting.

Re: Compiling List of Hidden Tradelines

Anonymous — Tue, 14 Apr 2015 05:06:59 GMT

Bump

Re: Compiling List of Hidden Tradelines

FinStar — Tue, 14 Apr 2015 05:11:34 GMT

I think most, if not all, have been captured. TigerPay (TigerDirect) is another one (BML/PayPal Credit family) but it appears it's going away in May.

Re: Compiling List of Hidden Tradelines

ScoreOrBeScored — Tue, 14 Apr 2015 05:47:14 GMT

@CreditDunce wrote:
Apparently RBFCU has been having reporting anything to the CRA's. There was an earlier post from someone who said their auto, LOC's were not being reported since July. Credit cards were being reported, though. My LOC/Overdraft TL was opened in December and has not reported. No telling when they will get there reporting fixed. But it probably is not a good idea to rely on them not reporting.

I just joined April 3,2015. It would be nice if my car refi didn't show. Lol would look great on reports .

But but I would want the $15k CC to report. Lol

Re: Compiling List of Hidden Tradelines

Anonymous — Tue, 14 Apr 2015 08:16:30 GMT

re: paypal credit- going away as a hidden tradline, or just going away?

Re: Compiling List of Hidden Tradelines

Ron1 — Tue, 14 Apr 2015 10:23:12 GMT

PC Mall Preferred Account and Jewelry TV Preferred Account. BBVA Compass Overdraft LOC.

Ron.

Re: Compiling List of Hidden Tradelines

Anonymous — Tue, 14 Apr 2015 13:59:45 GMT

Crown Jewelers generous initial CL at 2500

Re: Compiling List of Hidden Tradelines

FinStar — Tue, 14 Apr 2015 14:05:08 GMT

@Anonymous wrote:
re: paypal credit- going away as a hidden tradline, or just going away?

TigerPay (aka TigerDirect) is no longer going to be offered.

Re: Compiling List of Hidden Tradelines

Strogen — Tue, 14 Apr 2015 14:36:03 GMT

@FinStar wrote:
I think most, if not all, have been captured. TigerPay (TigerDirect) is another one (BML/PayPal Credit family) but it appears it's going away in May.

Uhh no TigerPay is not a hidden TL.

I can see the limit reporting to the CB's just fine.

Multiple people seem to think its hidden when its not.

Its also comenity bank.

Re: Compiling List of Hidden Tradelines

FinStar — Tue, 14 Apr 2015 14:37:20 GMT

@Strogen wrote:
@FinStar wrote:
I think most, if not all, have been captured. TigerPay (TigerDirect) is another one (BML/PayPal Credit family) but it appears it's going away in May.

Uhh no TigerPay is not a hidden TL.

I can see the limit reporting to the CB's just fine.

Multiple people seem to think its hidden when its not.

Its also comenity bank.

Uhhh yeah, well two of my friends' TigerPay Accounts never reported (two totally separate states where granted). Sooo yeah, do you need proof?

Re: Compiling List of Hidden Tradelines

Anonymous — Tue, 14 Apr 2015 14:39:35 GMT

I seen a post here about Tiffany's being a hidden trade line..

Re: Compiling List of Hidden Tradelines

Strogen — Tue, 14 Apr 2015 14:51:30 GMT

@FinStar wrote:
@Strogen wrote:
@FinStar wrote:
I think most, if not all, have been captured. TigerPay (TigerDirect) is another one (BML/PayPal Credit family) but it appears it's going away in May.

Uhh no TigerPay is not a hidden TL.

I can see the limit reporting to the CB's just fine.

Multiple people seem to think its hidden when its not.

Its also comenity bank.
Uhhh yeah, well two of my friends' TigerPay Accounts never reported (two totally separate states where granted). Sooo yeah, do you need proof?

Get ready for some proof "finstar" its coming in a few.

Below is from my TU report on CreditKarma:

Below is the actual account in my EQ report on CreditKarma, it also shows in my TU this way:

This account IS NOT a hidden TL.

IF there is no activity on the account, it will not report. I had a $0 statement balance for a very long time and it didnt report at all during that time.

I put $16 on it and it reported the CLI that I got back in July 2014. This is probably why your friends think its a hidden TL. But rest assured its not.

Re: Compiling List of Hidden Tradelines

FinStar — Tue, 14 Apr 2015 14:53:51 GMT

@Strogen wrote:
@FinStar wrote:
@Strogen wrote:
@FinStar wrote:
I think most, if not all, have been captured. TigerPay (TigerDirect) is another one (BML/PayPal Credit family) but it appears it's going away in May.

Uhh no TigerPay is not a hidden TL.

I can see the limit reporting to the CB's just fine.

Multiple people seem to think its hidden when its not.

Its also comenity bank.
Uhhh yeah, well two of my friends' TigerPay Accounts never reported (two totally separate states where granted). Sooo yeah, do you need proof?

Get ready for some proof "finstar" its coming in a few.

From their end, this is the way that's always been with their two accounts (I found it odd but this was similar to NewEgg). Now, if yours reported, then not sure what happened there. But, from reviewing their CRs (all three), there has been no sign of the account reporting whatsoever. And they used it all the time, well up until the recent changes which were sent en masse to all customers that such payment option would no longer be available.