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n this channel is to show you how to add primary trade lines to your credit report, build credit history, and get approved for auto loans, mortgage loans, and credit cards. If you are denied approval, it may be because you lack credit history. Lenders need to see that you have enough history to approve you for certain vehicles, houses, or high credit limits. To establish a primary trade line, you need a paid off account that belongs to you. For example, buying a car for $40,000 and paying it off will show as a primary trade line on your credit report, helping you get approved for a similar amount in the future.