TRADELINES

*Tradelines typically take 14-45 days to report on credit report

 

* All tradelines report on credit report for 60 days or 2 billing cycles once posted. (whichever comes first) 

 

* Tradelines can be added to SSN or Credit Profiles.

 

*A hard pull of credit report may be required in order for tradeline to show on credit which would be an additional charge discussed when purchasing.

 

* The tradelines usually post to three (3) [usually all three] major bureaus (Experian, Equifax, and TransUnion). It is also common for tradelines to post to 2 out of 3 credit bureaus. 

 

* A certain amount of increase in credit score cannot be predicted or guaranteed. Results may vary! 

 

*If a card is shut down before your term is over, but it still reported on your profile, you will receive half of a refund for that line. No replacements. 

 

* If your tradeline does not post in a 45 day period after credit report has been pulled, your tradeline will be replaced at no charge and you’ll be provided a $50 inconvenience fee.

 

* * AMEX tradelines will show the date when the AU was added instead of the year the card was opened. They pair great with a card that has history. (THEY DO NOT BACKDATE CREDIT AGE)

 

*After a tradeline is no longer active, your scores can drop points, similar to when you close a primary account. During the time that your card is active and open, you should have a blue print for any credit applications.