FREE TOOL
Free 30-Day Authorized User Score Tracker
A private place to record what is actually happening — not what you hoped would happen. Use it before someone adds you, while you wait for the account to appear, and after any change.
Get your copy
Google Sheets
Make your own private copy.
Excel (.xlsx)
Printable PDF
No email needed. Nothing to buy.
What's inside
- Baseline — your three reports and any score, before anything changes.
- Account added — the issuer's answers: which bureaus, age conditions, history reported, fees, removal process.
- Bureau monitoring — one row per bureau per check: shown, not shown, or report not obtained; balance, limit, opening date, responsibility.
- Score log — bureau, model, version and date with every score, plus other changes in the same period.
- Removal notes — dates, confirmations and follow-up checks.
- Questions to resolve — what you still need to ask, and who.
How to use it
- Day 0: fill in Baseline from one current report per bureau.
- Before the addition: record the issuer's answers in Account added. Mark anything unanswered as "Unconfirmed."
- Weekly: add a Bureau monitoring row for each report you check. Record the report's own date as well as the day you checked.
- Day 30: review. If the account hasn't appeared, keep checking the reporting. If it appeared and the score hasn't moved, review the model and the rest of the file. Those are different problems.
Thirty days is an organizing window, not a deadline for results. Keep tracking if reporting takes longer.
Keep it private. Never enter Social Security numbers or full account numbers. Don't post your tracker or reports anywhere, and don't send them to us — we provide general education and do not review individual files.
Tradeline Truth provides general education about authorized user accounts and credit reporting. It is not legal, financial or credit advice, is not a credit repair service, and does not guarantee any score change, approval or reporting outcome. Issuer and lender practices change; confirm with the issuer. Keep your records private. Do not send credit reports, identification numbers or personal financial details to Tradeline Truth. We provide general education and do not review individual files.