Re: Hidden Trade line

takeshi74 · ‎04-28-2015

IIRC JP Morgan has a card. Don't recall which one exactly. Business cards aren't hidden but won't show up on personal reports unless delinquent. Charge cards don't factor into revolving utilization with current FICO models but are factored in with older models which may still be used by some creditors.

Also, don't overlook prior discussions.

Anonymous · ‎04-28-2015

Ink Plus.

chalupaman · ‎04-28-2015

@Cali_Credit wrote:
Is there such a thing available these days? I heard Edwards jones was hidden but not sure. If anyone has any thoughts, please chime in 😄

Any of the Paypal Credit/BML lines are like this and business cards don't usually appear on personal CRs.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Strogen · ‎04-28-2015

@Anonymous wrote:
My paypal credit is hidden. Which I am glad for because I run 0% interest deals thru it all the time. I've heard Newegg is hidden as well but I don't know that from personal experience.

Yup, my Newegg Preferred account is hidden and has been since I got over a year ago.

807 TU FICO Score 8.

woodyman100 · ‎04-28-2015

John Deere is hidden If you need a mower.

NFCU-ICCU-EECU-Texas Trust CU-PSECU-DoverFCU-Keystone FCU-HarvardFCU-Keypoint CU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-ANB-CapitalOne-Regions-Goldman Sachs (Apple)-Barclay-G Bank-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-Trevipay-Truist-UMB-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Comenity Biz-Bread -DSNB-Webbank-Bill

thom02099 · ‎04-28-2015

@takeshi74 wrote:
IIRC JP Morgan has a card. Don't recall which one exactly. Business cards aren't hidden but won't show up on personal reports unless delinquent. Charge cards don't factor into revolving utilization with current FICO models but are factored in with older models which may still be used by some creditors.

Also, don't overlook prior discussions.

JP Morgan Select Signature Visa and the JP Morgan Palladium are both hidden TL.

Anonymous · ‎04-28-2015

PayPal Credit is a real gem in this regard... Couple that with the 6-month financing, awesome thing to have.

Anonymous · ‎04-28-2015

@Cali_Credit wrote:
Is there such a thing available these days? I heard Edwards jones was hidden but not sure. If anyone has any thoughts, please chime in 😄

Business cards. Paypal. Charge cards are hidden in a way, no util reported in most scoring models now.

SunriseEarth · ‎04-28-2015

My hidden TLs are PayPal Credit and the Macy's Speciel Events line. However, I hear Macy's will soon be combining special accounts so that you only have one account, which means those balances will report.

NRB525 · ‎04-28-2015

@Anonymous wrote:
None of my Canadian cards or lines of credit appear on my US report. They are not hidden in Canada but effectively they are here.

THAT's why my Diners is not reporting! Bank of Montreal sends it to my Canadian credit report! jk

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Hidden Trade line

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