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A primary tradeline is a credit account that is opened in your own name, in which the creditor extends credit to you as the borrower. When you open up a credit card on your own, you have a primary tradeline. This means that you are responsible for the transactions that occur on this tradeline.

Mortgages, auto loans, and credit card accounts under your name are all examples of common primary tradelines. As you can see, you’re probably already familiar with primary tradelines—they’re the most common type of tradeline out there. Chances are, you already have a primary tradeline in your own name!

This is a credit enhancement technique — if you decide to buy a primary tradeline — you can sometimes help yourself quickly increase your FICO Score long enough to: 

  • gain approval on loans

  • negotiate better interest rates

  • have a rental application approved

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