Trade Line Policy and Procedures

Additional Information

 

Please note: Due to the nature of the credit agencies and the amount of requests they receive all up loads to your credit profile will take 30-45 business days to reflect in your score. All lines require on average 30-45 business days to populate. There are times when they take longer. If something arises after during posting you will be informed.


(REFUND POLICY & DISCLOSURES)


If the line does not appear within a 30-45 business days , we will issue a replacement. If the REPLACEMENT line does not post within 60 business days then we will issue a refund. If you are due a refund - Please fill out the support ticket with your information so that a refund can be processed. All refunds will be sent out within 30 business days or sooner once the support ticket has been received. If there is a problem with your profile and this is the reason for non-posting, we will work with you to get it to post prior to a refund.


You as the client are responsible for the accuracy of information you submit to us. Being one digit off on a SSN or date of birth, or spelling a name incorrectly will cause a trade line not to post properly. We DO NOT replace lines when you submit inaccurate information so please double check your info. If you submit incorrect or inaccurate information, you would need to re-purchase the line again if the order was already processed.


Please Note:  If you chosen the payment plan option the trade line will NOT be sent out for posting until the final payment has been completed.  Should you miss your scheduled payment date, the trade line process will be stopped and no refund will be issued.  A credit will be placed on the account to use at a later date.  No grace period is offered on the payment plan option. You, as the client, will need to repurchase the trade line and pay in full at the time of repurchase.  Should you have a credit on your account you may apply the credit towards a future purchase. 


It is the client’s responsibility to open their own credit monitoring service.  We recommend Credit Check Total because it provides quicker updates, more accurate information, and sends alerts in real time that the free services do not send. Note that we do not accept Credit Karma or any free credit monitoring site as proof of non-posting. 


Trade lines are PERMANENT. After the 30-45th business day after the upload date, if the line has not posted, please submit a Support Ticket to inform us. We will investigate. If you don’t submit a ticket, then we DON’T KNOW ABOUT IT.


In order to investigate trade lines that have not posted, we will need you to accurately fill out all information on your Support Ticket. You must provide a valid login ID and password from one of our trusted credit monitoring sites


We will only accept: Creditchecktotal.com/Experian.com/Transunion.com/Equifax.com/Myfico.com.

After 30-45 business days, if you have not emailed us we will assume that the line has posted and the transaction has successfully completed.


We guarantee the trade line posting on at least 2 of the 3 credit bureaus. If a line only posts to one bureau we will attempt to merge it on a 2nd bureau. Most of the time trade lines will post to at least 2 of the 3 bureaus but every once in a while, we get a stubborn line and that is out of our control.


Also note that some banks do not report to all three credit bureaus as each bank sets their own rules surrounding their reporting data. Also please understand that from time to time lines do not post. We ask that you be patient going into this and understand that the process could or may have a delay of a few days or even a couple of weeks. Our Support Team will assist you in making sure that your lines post accordingly.


In the event of a trade line not posting, or a line becoming unavailable or sold out, we will select an equivalent or better trade line and move you to it. This may be without notice. Changes happen so frequently that we are unable to notify every client of every change.


Thank you!

Potential Credit Score

Potential Credit Score