AU Tradeline Seller Eligibility
The real, current criteria for listing your card – no invented thresholds, just what actually qualifies.
Written by TradelineScore
Raquel Hudson – Editorial reviewer
Reviewed by Raquel Hudson, Editorial Reviewer.
More than a decade of experience in tradeline placement, credit report analysis, and client support. View Raquel’s articles →
Before listing a card on Tradeline Score’s marketplace, it needs to meet a few real, current standards – reviewed individually once the requirements below are met. This page covers exactly what qualifies, what doesn’t, and what to know about your responsibilities as a seller.
For background on authorized-user protections generally, see the CFPB’s overview of the Equal Credit Opportunity Act (ECOA).
What Actually Qualifies
- Consistent, 100% on-time payment history
- No late payments or derogatory history
- Current utilization under 10%
- Account at least six months old, with no exceptions
- Reports to at least two major credit bureaus
- The account must be active and in good standing. A small monthly purchase on autopay can help keep it active and reporting.
There is no fixed minimum credit limit. The six-month minimum account age is firm, with no exceptions. Beyond these requirements, cards are reviewed individually – higher limits and longer history tend to see more consistent buyer matching, but limit alone is not a cutoff.
Banks and credit unions we currently work with: Chase, Bank of America, TD Bank, Alliant Credit Union, Citi, US Bank, PNC, Elan Financial, Capital One, Barclays, and Discover.
How We Review Cards
Once a card meets the requirements above, including the firm six-month minimum account age, we review it on its real profile. A well-maintained 8-month-old card with a clean history can be a genuinely useful listing; an older card with any late payments in its history is not eligible.
Keeping Your Listing Eligible Over Time
- Keep utilization low and statement dates consistent
- You can keep using your card – including purchases and applying for new credit – while an order is active, as long as the account stays active and utilization stays below 10%
- You don’t have to list exclusively with us. If you list the same account with another provider, review that provider’s terms and manage overlapping commitments so they don’t interfere with an active TradelineScore order, and follow your own card agreement and issuer requirements
- Respond promptly to buyer-match notifications
If an account stops meeting these standards – for example utilization reaches 10% or the account becomes inactive – it can become unavailable for new matching until it’s back in good standing. A late-payment or derogatory mark disqualifies an account regardless of its age. If an account doesn’t pass review after an order arrives, the order is not paused: the original order is cancelled and handled under the applicable replacement or refund process.
Verification & Matching
You can list your card before its account review. When an order comes in, our cardholder operations team reviews your credit card statement and account details – account opening date, credit limit, statement date, current balance and utilization, and whether the account is active – to confirm the account meets the requirements above before the order moves forward. This review focuses on statements and account eligibility; it is not a government-ID identity check. Buyers are matched by age, limit, and bureau coverage. For general background on how tradelines are structured and reported, see Investopedia’s overview.
Frequently Asked Questions
What are the basic requirements to get started?
Consistent on-time payment history with no late payments or derogatory marks, utilization under 10%, an account at least six months old with no exceptions, and an active account in good standing that reports to at least two major credit bureaus. There’s no fixed minimum credit limit. See our eligibility criteria for the full overview.
Can I sell a tradeline if my card has a low limit?
Yes. Cards are reviewed on their real profile, not a fixed dollar cutoff. See our eligibility criteria for the account requirements.
How do I know if my bank is eligible?
See the accepted list above. If your issuer isn’t listed, your card isn’t currently eligible.
Is there a minimum account age?
Yes. Your account must be at least six months old, with no exceptions. Beyond that, accounts are reviewed against the other eligibility requirements.
Ready to Check Your Card?
Real review, no invented cutoffs – see if your account qualifies.