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An APY (Annual Percentage Yield) savings account is a type of bank account that earns interest on your deposits over time. - APY accounts compound interest, meaning your money grows faster than a regular savings account. - The higher the APY, the more your savings earn automatically.

A tradeline is any credit account that shows up on your personal credit report.This includes things like: - Credit cards - Auto loans - Student loans - Personal loans - Mortgages - Authorized user accounts Each tradeline reports your payment history, credit limit, balance, age, and status, which lenders use to judge how you handle credit.