Authorized User Tradelines

A tradeline is any account that appears in your credit file.

Tradelines are important because your credit report depends entirely on how you manage your tradelines, and maintaining a positive credit record is essential for financial success.

It's best to build a positive credit file of your own tradelines (primary tradelines) and keep them in good standing by always making payments on time.

However, adding an authorized user tradeline to your credit file will add an existing tradeline and the entire payment history to your credit report.