Any account that shows on your credit report is a tradeline. This includes mortgages, student loans, auto loans, personal loans, credit cards, etc. At Boost Credit 101 we use Authorized User tradelines to boost credit scores. “Authorized User Tradelines” is a fancy way of saying “credit cards.” Any person who has a credit card has a certain number of AU spots they can add people to. When a person is added, the lender, be it Chase, Discover, TD Bank, and others, reports the data to the credit bureaus. The data being reported is the payment history, limit, and age. When this positive data is reported, the credit score goes up. Someone may ask, why don’t I just have a friend or family member add me to their cards? This is certainly possible, but this can do more harm than good, as the utilization may be high, which hurts the score, or they may have missed payments (even one negates the positive effect of the data). This is why it is smart to utilize a company like Boost Credit 101, as we have an inventory of cardholders nationwide who have contracts with us guaranteeing their cards have perfect history and remain below 10% utilization.