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What Are Tradelines on the Full Credit Report?
What Are Tradelines on the Full Credit Report?

TransUnion Tradelines & Abbreviations

Chelsea avatar
Written by Chelsea
Updated yesterday

A tradeline is a record of credit activity that appears on a person's credit report, and it plays a key role in calculating the applicant’s credit score. Each credit account—such as a credit card, loan, or mortgage—has its own tradeline, which includes various details like:

Tradeline Information:

  • Account Details

  • Lender Name

  • Type of Account

  • Account Status

  • Date Opened/Closed

  • Account Activity

  • Current Balance

  • Original Loan Amount or Credit Limit

  • Payment History

  • Account Responsibility

  • Minimum Monthly Payment

  • Subject Responsibility

Common Account Types & Codes:

  • O - Open Account: An active loan or credit card.

  • R - Revolving/Option Account: Accounts where the balance does not need to be paid in full each month, such as credit cards.

  • I - Installment Account: Accounts with fixed monthly payments, like mortgages or auto loans.

  • M - Mortgage Account: A home loan.

  • C - Check Credit (Line of Credit): An arrangement allowing borrowing up to a certain limit.

Account Responsibility Codes:

  • A - Authorized User of Shared Account: User is not liable but can use the account (e.g., being added to a family member's credit card).

  • C - Joint Contractual Liability: Both account holders are legally responsible for the debt.

  • I - Individual Account for Sole Use: The applicant is solely responsible for the account.

  • M - Co-signer Liability: The subject is liable, but a co-signer shares responsibility if the primary borrower defaults.

  • P - Participant in Shared Account (Undetermined Liability): Borrower is joint, but liability is unclear.

  • S - Co-signer Liability (Subject is Liable if Maker Defaults): The subject is a co-signer, responsible if the primary borrower defaults.

  • T - Account Relationship Terminated: The applicant is no longer associated with the account.

  • U - Undesignated: The account’s responsibility has not been assigned yet.

  • X - Deceased: The subject is reported as deceased.

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