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Terms and Conditions

Accuracy of Information

All information submitted must be accurate and match your credit profile exactly. Any errors, mismatched details, or incomplete information can result in non-posting.

No replacements or refunds will be issued for inaccurate submissions.

Posting Time

Tradelines typically post within 2–14 days after the statement close date. We guarantee one full billing cycle (30 days) for posting.

Once your tradeline is posted, it is your responsibility to monitor your credit report.

Replacement Policy (Warranty Required)

We DO NOT offer refunds under any circumstances.

A tradeline will ONLY be replaced if:

  • The tradeline does not post, AND
  • The tradeline warranty was purchased

If the warranty was NOT purchased, no replacement will be provided.

Tradeline Warranty (Per Line)

The warranty covers:

  • Tradeline does not post, OR
  • Tradeline is removed early within 14 days

To qualify for a replacement:

  • You must provide login access to your credit monitoring account
  • Credit Karma is NOT accepted

The warranty will be VOID if:

  • There are fraud alerts, freezes, or disputes on your credit file
  • Your information does not match your credit profile
  • You fail to report within the required timeframe

Non-Posting Reporting Requirement

If your tradeline has not posted:

  • You must report it after 14 days from the statement date
  • You must report it BEFORE the 30-day posting period ends

If reported after 30 days, we cannot verify if it posted and was later removed. Your warranty will be voided.

How to Report a Non-Posting Tradeline

To report a non-posting tradeline, the customer must:

  • Submit the Non-Posting Tradeline Form
  • Provide all required details accurately
  • Be prepared to provide valid credit monitoring login access

Credit Karma is NOT accepted.

Bureau Posting & Address Merging

  • We do not guarantee posting to all three bureaus. Some may report before others.
  • Certain banks (Wells Fargo, Citi, Barclays, etc.) require an address merge.
  • The address must match the one associated with the tradeline.

Refund Policy

We DO NOT issue refunds under any circumstances

All sales are final.

Replacements are only provided if:

  • The warranty was purchased, AND
  • All warranty conditions are met

Important Notes

  • American Express tradelines do NOT backdate
  • Scores may drop after tradeline removal
  • Results are not guaranteed
  • Fraud, disputes, or chargebacks may result in denied replacements and/or permanent bans from future purchases

THANK YOU!

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