OUR TRADELINES ARE BACKED BY
OUR GUARANTEE
Tradelines typically post within 3 to 15 days after the account’s closing date. While most accounts post promptly, occasional delays can happen due to variations in credit bureau processing times.
That said, we want you to feel confident in your purchase—which is why all of our tradelines come with a 45-Day Posting Guarantee!
WHY WE CAN'T GUARANTEE ALL 3 BUREAUS
Credit Systems Aren't Perfect
Our tradelines are provided through banks that report to Experian, TransUnion, and Equifax. However, each credit bureau processes information independently, and certain conditions on a credit file can prevent a tradeline from appearing on one or more reports.
YOUR 45-DAY
POSTING GUARANTEE
If your tradeline does not post to at least one major credit bureau within 45 days, and your order remains eligible under the guarantee conditions, Tradeline Vault will provide the applicable refund or replacement resolution
1. PURCHASE
Place your tradeline order with confidence.
2. POSTING WINDOW
Allow up to 15 days after the closing date
3. NOTIFY OUR TEAM
If it hasn't posted to any of the bureas by the 16th day, reach out and we'll begin the review
4. 45-DAY PROTECTION
If it hasn't posted to at least one bureau within 45 days, you're covered
5. RESOLUTION
Choose a full refund or a replacement tradeline - your choice
WHAT CAN AFFECT GUARANTEE COVERAGE & POSTING
GUARANTEE CONDITIONS
Certain file conditions can cause a no-post on their own or prevent us from completing a proper review. To maintain guarantee coverage, your credit file must remain eligible throughout the posting and review process.
The following conditions can prevent or materially interfere with tradeline reporting. If any conditions below are present, or if you do not provide the information required for review, the guarantee will be void and in that case the tradeline will not be eligible for refund or replacement.
WHAT CAN AFFECT YOUR
POSTING & GUARANTEE COVERAGE
The following conditions can prevent posting and/or void the guarantee
Bureau & File Issues
Inaccessible or nonexistent file on any bureau
CPN, privacy file, or lack of public records
Active disputes, freezes, or fraud alerts
Order Information Issues
Lack of, or refusal to provide, required credit monitoring access for all three bureaus
Refusal to provide verification documents
Inaccurate or mismatched information supplied with order
Client & Bank Issues
Negative history with the issueing bank
Client-caused changes to personal or account information at any time during the posting window or after posted
WHAT WE NEED FROM YOU
In the rare event your tradeline has not posted to any one of the 3 major credit bureaus, to process a guarantee claim, you must provide:
IN THE EVENT OF A NO-POST
Notify Tradeline Vault promptly on the 16th day if the tradeline has not posted to at least one bureau
NOTIce ON THE 16TH DAY
Provide all required information to access the credit monitoring account, including usernames, passwords, PINs, security answers or verification details when required
Provide account access
The access via credit monitoring must provide visibility on all three bureaus and must display current reports on Experian, TransUnion, and Equifax so our team can review the complete file
full bureau visibility
Please respond to our requests and provide any additional information or documentation needed to complete the investigation
respond to our communications
A NOTE ON TIMING
THANK YOU FOR YOUR PATIENCE
Our goal is always to resolve any reporting issue as quickly as possible. However, the credit reporting systems generally operates on approximately 30-day reporting cycles, which means some updates or corrections may require additional time to appear. This is why our posting guarantee extends to 45 days--allowing sufficient time for the reporting cycle to complete and for most issues to be identified and resolved. We appreciate your patience, cooperation, and trust in Tradeline Vault while we work through the process with you
THE PROCESS
NO POST? NO PROBLEM.
While tradelines typically post within a few days, an occasional delay can happen. A delayed posting does not automatically mean something went wrong. If a tradeline has not posted within the expected timeframe, we have a clear process to investigate and resolve it.
Allow the Full Posting Window
Tradelines typically post within 3-15 days after the account closing date. Please allow the full 15-day posting window before reaching out.
Notify Our Team
If the tradeline has not posted by day 16, contact Tradeline Vault promptly so we can begin the review process.
We Investigate & Resolve
Our team will review all three credit reports and the host-bank reporting details to identify the cause and determine the appropriate resolution
YOUR PURCHASE IS PROTECTED
Backed By Our 45-Day Posting Guarantee
If the tradeline does not post to at least one major credit bureau by the guaranteed period, and you have met the guarantee requirements, Tradeline Vault will provide the applicable refund or replacement resolution.
THE
RESOLUTION
After the review process is complete, and if the tradeline has not posted to at least one major credit bureau by the end of the 45 day guarantee period, a REPLACEMENT TRADELINE or REFUND will be provided
REPLACEMENT TRADELINE
Choose a comparable replacement tradeline subject to availability
FULL REFUND
Choose a full refund of the qualifying tradeline purchase
WHY RESOLUTION OCCURS AFTER DAY 45
Credit reporting and bureau updates can require a full reporting cycle to complete. for that reason, Tradeline Vault is not required to issue a replacement or refund before the 45-day-guarantee period has ended. In some cases, the full 45 days may be necessary for the tradeline to post or for the reporting issue to resolve
OUR GUARANTEE
What we DO Guarantee
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We guarantee that each tradeline will report to at least one of the three major credit bureaus: TransUnion, Equifax, or Experian.
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We guarantee that all tradelines offered have been thoroughly vetted and maintain a flawless (100% Perfect) payment history.
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We guarantee that every tradeline provided has zero late payments across its reporting history.
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We guarantee that the credit utilization (credit usage) on all tradelines will remain at or below 9%.
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We guarantee that Tradeline Vault will maintain you as an authorized user on the purchased tradeline for a minimum of two statement reporting dates, for each tradeline purchased.
What we DO NOT Guarantee
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We do not guarantee any results beyond getting a tradeline to post as detailed above.
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We do not guarantee any change to your credit score. This includes any positive changes as a result of purchasing our tradeline(s) as well as the possibility that your score could go down.
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Because there are many other factors that go into obtaining an approval, We do not guarantee that after adding tradeline(s), you will be approved by any lender or party related to funding, loans, credit cards, lines of credit, apartments/housing, or be able to achieve any financial goal based on the purchase of our tradeline(s).
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Tradelines do not directly affect your credit score and so it is impossible to quantify or project a credit score.