Primary Tradelines FAQs
Primary tradelines have always meant one thing: an account on a credit report for which the primary account holder is listed as the primary account holder. This is in contrast to piggybacking off of seasoned tradeline, where the account history reports on the authorized user’s credit report (as an authorized user… not a primary account holder). Sometime after the FICO ’08 myth, people thought that “primary” tradelines were “better” than authorized user tradelines. More importantly, they thought you could buy primary lines and add them to credit reports the same way as authorized user lines. Both thoughts are wrong.