Tradelines are individual credit accounts listed on your credit report, and they play a vital role in calculating your credit score. Each tradeline includes key information such as the lender’s name, account type, credit limit, balance, and payment history. Authorized user tradelines allow individuals to benefit from the strong credit history of a primary account holder. By adding tradelines to your report, you can improve your credit score, reduce your credit utilization, and enhance your chances of loan approval.
