Seasoned or aged tradelines are different from authorized user (AU) tradelines, and they can have a different impact on your credit profile. Whether they are "stronger" depends on your specific credit goals and circumstances.
Authorized User (AU) Tradelines:
An AU tradeline involves being added as an authorized user on someone else's credit card account.
The primary account holder's payment history and credit utilization are factored into your credit report.
AU tradelines can potentially provide a boost to your credit score, especially if the primary account holder has a long history of on-time payments and low credit utilization.
However, the impact of AU tradelines may vary depending on the credit scoring model used by lenders. Some lenders may give less weight to AU accounts when assessing creditworthiness.
Seasoned or Aged Tradelines:
Seasoned or aged tradelines are credit accounts that have a longer history, typically with a good payment history and low utilization over time.
When you purchase seasoned tradelines, you essentially become the primary account holder of that credit account with its entire history, not just as an authorized user.
Having seasoned tradelines can potentially have a more significant impact on your credit profile because it reflects your own credit history.
Lenders often give more weight to primary account holder information than AU information.
Whether seasoned tradelines are "stronger" than AU tradelines depends on your specific credit needs and goals. If you have a limited credit history or are looking for a substantial credit score increase, having a primary tradeline with a long history of responsible credit management can be more impactful.
However, it's important to approach the use of seasoned tradelines cautiously and within legal boundaries. Some practices related to buying and selling seasoned tradelines can be considered fraud or credit manipulation, and they can lead to legal and credit-related consequences.
Before pursuing either option, it's advisable to consult with a financial advisor or credit counselor who can provide guidance tailored to your unique financial situation and goals. Building good credit through responsible financial practices, such as making on-time payments and maintaining low credit card balances, remains the most reliable and legitimate way to improve your credit score over time.