About Tradeline Truth

Tradeline Truth is a YouTube channel and website that explains the authorized user strategy completely and honestly — how it works, where it stops working, and what to check before you rely on it.

What we cover

Authorized user accounts on U.S. personal credit cards: how issuers report them, how credit reports show them, how scoring models treat them, and how lenders consider them for mortgages, auto loans and new credit. We also cover paid tradelines, because that's where people most often lose money.

What we don't do

• We don't sell tradelines, rent account placements, or refer you to anyone who does.
• We don't offer credit repair, disputes or reviews of individual credit files.
• We don't predict scores. No one honestly can, from the outside.
• We don't take your data. Please don't send us reports, scores or identification numbers.

How we work

Every article starts as an episode script. Each factual claim is tied to a primary source — the CFPB, the FTC, the credit bureaus, scoring companies, card issuers, Fannie Mae and Freddie Mac — and each page shows the date those sources were checked and when they'll be checked again. Examples with names or dollar amounts are labeled as illustrations. Read the details in our editorial standards.

How we're funded

The channel is supported by YouTube. There are no affiliate links on this site today. If that ever changes, the disclosure will appear before any link, and we will never link to tradeline sellers.

Why "faceless"?

The channel uses narration, documents and diagrams instead of a presenter. The point is the fine print, not a personality.