With the recent slow-down in many industries after before recent US elections and with a runaway economy that can't seem to makeup its mind about which direction it wants to go, here's what you need to know about selling tradelines in 2025.

The stock market is still booming upward, cryptocurrencies are breaking all-time record prices, and there's no sign of it stopping. While there was a lot of slouching and uncertainty during late October and into November regarding consumer spending, things are appearing to level out and/or continue upward in many cases. If you're one of those people who's currently selling tradelines, you may have noted a slight slump in sales recently as individuals held off on making larger purchases and were therefore in less need of squeezing extra points out of their credit score. But have no fear - it seems this was just a normal and temporary affect of circumstance.

As we've mentioned before, we're not financial advisors nor experts in the world of finance but we feel like we have a solid foundation to base our opinions on. There are so many different items in play that affect the economy either directly or indirectly that it takes quite a large amount of data, understanding, and skill to make a good case for any financial prediction. While we're not in the business of telling the future, there are a lot of ways to see the general storyline when you have enough pieces of the plot's puzzle.

Could 2025 Be A Record Year For Selling Tradelines?

It seems to us like 2025 may be one of the best years in recent times for anyone selling tradelines. There are a lot of reasons one could assume otherwise, including volatility among consumer sentiment (depending who's asking or telling), uncertainty regarding inflation, and a general theme of high expectations in many business sectors that are in no way guaranteed.

It's all a bit surreal to be honest. While there are never two points in history that are exactly alike, history does tend to repeat itself. And while we may simply be experiencing a very small piece of a much larger repetition, it seems safe to say that we're genuinely entering completely uncharted financial territory. This is something happening only in the USA, but globally. However, the US has a very unique position which says a lot about what 2025 might have in store. The way we see things happening goes something like this:

Big Businesses Are Making Record Waves In The Stock Market

This is a clearly a sign of record profits. Certain companies are flying higher than ever, while others remain a bit stagnant, but the overall bull market means that the average individual investor is making more money. You may assume that this means they won't be pulling any profits and aiming for the longshot, and you may be correct. However, it's more important to understand that when people see a sustained growth in their portfolios and record after record on the markets in general, they're more likely to use it as a justification to spend more, or, at least feel comfortable doing so.

Regardless of where the economy sits, either technically or hypothetically - most people who have money to spare will probably be spending it in 2025. Especially on those more expensive items and luxury purchases. Based on what's happening right now, we expect that more and more people will be taking a shot in the dark as a way to say "it's now or never" rather than waiting things out.

The last couple years of slow or non-existent delivery on economic promises has made buyers very weary. We feel that the ability to sustain what we've been through financially as a society means most people are seeing this very bullish market as a positive sign. We think they'll be pulling the trigger to minimize the possibility of the rug being pulled out from under them. If they're ever going to have a chance, it's now and it feels like most are going to go for it.

In other words, that home, that car, the investment property, the boat they always wanted, the financing for a summer cabin they've been holding off on, the first-time home owners that were waiting and waiting without any sign of relief - will slowly but certainly begin taking action in the coming months. People are tired of waiting around, tired of politics, and tired of financial institutions giving them empty promises.

The level of consumer trust in banking institutions, politics, and media is poking at - if not surpassing - record lows. Larger numbers of people are beginning to see that there may never be a grand economic recovery, and they're tired of working hard and waiting on making their dreams come to fruition. We think we're going to see a lot of people deciding to accept things for what they are - positive or negative - and begin making the purchases they've held back on for so long.

What does this mean for people like you who are selling tradelines or might be considering it? It means you're very likely to have a successful year as people seek out improved credit scores to help them achieve the best financing they can on whatever it may be that they're going after.

The Cost Of Financing A Home Is Down Slightly, But Likely To Continue An Upward Trend

Similar to what we mentioned in the market section above, people really are tired of waiting on better housing opportunities. As we've discussed in great detail, the home mortgage sector has been quite tough in recent years.

Housing affordability hit historic lows both immediately during and long after home interest rates began to calm slightly from their sudden and dizzying peaks. Pricing, demand, and availability of homes is still extremely high in most of the areas where people actually want to live. The signs that this will not end or turn around are becoming more and more obvious. Again, under the current circumstances, for better or for worse, we think a lot of people will begin to sign deals in 2025 (and even sooner). That means a whole lot more financing, and a lot more selling tradelines.

In our opinion, people will be taking more risks, putting their saving on the line, pulling together every penny they can, selling at a loss to relocate, upgrading or downgrading, and generally making big moves this year in regards to housing. We don't see many other potential outcomes as the waiting game has been running far too long; even for the most patient consumers.

We also think one of the biggest potentials - especially for those who work remotely since working from home is more common than ever - is for people to give up on their "dream location" and seek simpler comforts at a much lower price. That means accepting that although the area they want to buy in has oversized prices that don't fit their budget, there are plenty of areas that will offer them much more for their money if they're willing to reconsider where they want to live and work from - including relocating to another state or region. The ability to work from anywhere will make this decision even easier for many people. We feel like some of the small-town appeal may return, especially for first-time buyers and retirees who are looking to get their foot in the door or hang on to every dollar they can.

We'll have to wait and see but the signs are already there. We think the writing is on the wall regarding a very healthy pickup in positive movement in the real-estate markets, and that means a very big bump upwards for the demand in financing.

You, the person selling tradelines should have a nice and easy time making sales. This also means it's an opportune time for newcomers who have never experienced selling tradelines before to get on board.

The Automotive Market Is Finally Seeing A Potential Turnaround From It's Downward Spiral

Now this one depends on who you ask, however we have a very strong opinion about it. We think that people will be buying a lot more cars in 2025 and there's a good percentage of tradeline purchases that are directly related to financing automobiles. You see, people view buying a new car a bit differently than a home, and many times, they tend to buy vehicles based on expectations of what they'll be able to afford, or when the right opportunity presents itself - even if they weren't planning on buying a new vehicle in the first place.

Moving to a new area, acquiring a new job, having kids, having kids who recently got their driver's licenses, or even having kids who move away for college are just a few of the many reasons for purchasing a new vehicle. A lot of times, people have only bought used vehicles and are finally ready to buy the car they've always wanted, without the financial limitations or without the need to be extremely economical. This results in some hefty spending, and with car prices where they currently sit, it's understandable why so many people prefer to spend a couple thousand dollars on tradelines to save 5 or 10 times that amount over the span of their repayment period.

It only takes a slight difference in credit score (especially for a responsible individual with a good credit history) to be able to walk into a dealer and get a card with a minimum down payment or extremely attractive payment terms.

New car sales suffered in recent years. Dealerships struggled to sell new stock due to overwhelming price increases that came as a shock to most consumers. But that was only when the cars were actually available to buy. There was a significant span of time where prices were insanely inflated due to high demand and low inventory - a direct affect of manufacturer's inability to acquire the parts they needed to build and drive vehicles off ther assembly lines.

While we mentioned a potential turnaround from a downward spiral, that doesn't mean car prices are going to begin suddenly dropping. In fact, they'll likely continue rising but at a slower pace. However, we think that business and trade deals, as well as manufacturing output will help push consumers into easier and more realistic price ranges for vehicles that are attractive for them. And to repeat what we already said twice, there will be a lot of people just saying "screw it, I'm buying it now". Put it all together and you've got a great recipe for an excellent year of selling tradelines.

Now Is A Good Time To Prepare

If you're considering selling tradelines as a first-timer, now is a great time to start. Additionally, it's the perfect time for the seasoned seller to seek those increases in credit lines, acquire an extra card or two, or consider freeing up additional cards that are already well-aged so you can reap optimal profits on what looks to be a perfect storm of events.

While we can't guarantee anything, we're pretty confident in what we're saying, and we've got an exceptional eye for seeing when things are about to go take off or slow down. In 2025, we think it's very safe to say that selling tradelines will be a great way to make extra money, and that our already fast and consistent sales will possibly break their own records.

If you're interested in learning more about selling tradelines, or seeing how much you can earn, checkout our selling tradelines page today.