that you are a authorized user of someone else's credit card. You don't have to have possession of the card, but their credit history will reflect on your credit report...a parent or family member with EXCELLENT credit can be a & quot;tradeline&quot; I graduated college with 97,000 in debt&quot;...that right there is a Huge problem..schools have become a business that drain students of money and yet, no one is stepping in to help the students who then graduate with massive debt and have difficulty paying it off...Having that much debt can be overwhelming for ANYONE...Especially a young 20 something who hasn't even began their career. But i really thank you for this video because i found JACK and within few week they fixed my Credit score which is hindrance by student loan and added a large tradeline thanks a lot