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A tradeline refers to the open and closed accounts in your credit report. Your primary tradelines are the ones in your name for which you’re liable. For example, your credit card, auto loan, and mortgage could all be primary tradelines.

In fact, any time you open up a credit account with a lender who reports to one or more credit bureaus, it’ll show up on your credit report and become a primary tradeline. That includes both installment loans and revolving accounts.

Primary tradelines are essential to building credit in the United States. To optimize your credit score, you need to acquire a diverse mix of primary tradelines and use the accounts responsibly, keeping your balances down and making your payments on time.