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!
If your tradeline does not post to at least one of the three major credit bureaus within 45 days, you’ll receive either a full refund or a replacement tradeline—your choice.
*credit profile/privacy numbers (CPNs) and blank files are excluded from this guarantee
​​Our team is committed to helping you get real results—reliably and transparently. If you have questions, we’re always here to help.
Why can't you guarantee all 3 bureaus?
THIS IS WHERE IT WILL HELP YOU TO KNOW A LITTLE MORE ABOUT TRADELINES:
Our tradelines are thoroughly vetted and provided through banks that report to all three major credit bureaus—Experian, TransUnion, and Equifax. However, the credit reporting systems themselves can be less than perfect.
Issues such as credit freezes, outdated or mismatched personal information, or delays in bureau updates, among other things, can sometimes prevent a tradeline from appearing on all three reports.
If you're seeing a tradeline on one report but not the others, it doesn't mean anything went wrong—it just means the credit system may need a little attention on your end. While we don’t offer credit repair services, we're happy to point you in the right direction and suggest what steps to take next.
no posts - no worries
WHAT TO DO IF YOUR TRADELINE HASN'T POSTED YET
1. Allow the FULL 15-day posting period to run its course. Due to credit monitoring update frequency, your tradeline may post at any time within this window.
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This is 15 days AFTER the listed closing date on your purchased tradeline (You can find this closing date for your tradeline listed in the confirmation message you received post-order)
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If the full 15-day window has not transpired, don't worry, you are still well within a healthy posting window and your tradeline may populate to an updated report at any point between now and the 15th day.
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The reason for this posting window: (1) The bank reports your information to the bureaus on the closing date - (2) The bureaus search for the corresponding credit report to post your tradeline - (3) Your credit monitoring must refresh to reflect the updated report where your tradeline is visible. These processes can take time to sync and may sometimes take the full 15 day window.
2. On the 16th day - if you still dont see your tradeline on an updated report - notify us of your no-post.
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You must notify us of your potential no-post no later than 23 days from the closing date of your purchased tradeline - this is imperative because the investigation into the delayed posting can take time.
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Please have your credit monitoring logins ready as you will need to provide access to your 3 credit reports so that we can investigate the potential causes as thoroughly as possible to resolve the delay expeditiously.
3. Working toward a resolution - To be thorough in our resolution process, please send your credit monitoring logins so all three of your credit reports can be reviewed.
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The credit monitoring you send must allow us to view all three bureaus, ie: Experian, TransUnion & Equifax.
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This includes sending any passwords, pins, security words, answers, etc., necessary to access that credit monitoring.
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As it states in the terms you agreed to before placing your order - If you cannot or will not provide any of this information, your choice to forgo the investigation process voids our guarantee meaning tradelines will not be replaced or refunded.
4. Your patience. Rest assured we have your best interests in mind. Our goal is to resolve this delay and we will be working to remedy your no-post as quickly as possible
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As you will read below, this process is complex and cannot be rushed.
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As it states in the terms you agreed to before placing your order - although rare - tradelines may take up to 45 days to post as determined by the bank's reporting cycles.
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We know no-posts can be frustrating so we thank you for your patience and cooperation as we work with the bank to find and correct the issue and get your tradeline posted for you!
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Feel free to review the steps we take in this process (listed for you below) to work towards a resolution and to fully remedy your no-post.
The path to resolving your no post
THE BANKING & CREDIT SYSTEMS CAN BE LESS THAN PERFECT AT TIMES SO WE THANK YOU FOR YOUR PATIENCE AND COOPERATION AS WE WORK THROUGH THE INVESTIGATION, IN COLLABORATION WITH THE BANK, TO GET YOUR TRADELINE POSTED FOR YOU
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1. Verification the credit profile is an authentic credit file and is not a blank file or a synthetic number - CPN.
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If the credit report is inaccessible at any of the 3 credit bureaus this voids the guarantee - as there is likely no file for a tradeline to post to. Refunds will not be provided as there is no error with the tradeline & no fix that can be done on our side.)
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(Credit Profile Numbers are not covered by our guarantee because there are too many outside factors beyond our control that result in a tradeline not posting. If a file is discovered/determined to be a CPN - no refunds or replacements will be given.)
2. Verification the credit reports are updated and current (a minimum of 15 days AFTER the tradelines closing date.)
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If the credit report you are using has not been updated to reflect the current state of your credit report, it may not reflect the tradeline. This is because it is most likely reflecting a report that was pulled from BEFORE your tradeline was added.
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In this case, you will need to pull a fresh report
3. Verification that the information originally provided by the client, matches what is on the client’s credit reports (ie: name, full address, birthdate, etc)
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Tradelines post by matching the information you provide for your order with the information listed on your reports. If the information does not match, the client must fix their credit reports on their end. If the information is a name and/or date of birth which cannot be corrected, regretfully, there is nothing Tradeline Vault can do as you confirmed the information was correct when you purchased.
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If the address is incorrect, the client must manually add the correct address (the address provided to Tradeline Vault for their order) to their credit report before the tradeline's next closing (reporting) date - this should pull the tradeline onto the report.
4. Investigation on whether or not a possible Dispute, Freeze, or Fraud Alert has been placed on the credit report
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If a dispute, freeze or fraud alert has been placed on the credit report, the client must conclude and remove it
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Once this encumbrance is removed, your tradeline should pull onto the report on its next closing (reporting) date.
5. Verification that the information entered by our team when filling the tradeline order was input with no errors (ie: name, SSN, DOB, Address, phone, etc.)
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If Tradeline Vault made any error in entering information, the information will be corrected at the bank (depending on the bank) for posting the following month.
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If the information cannot be correct a refund or replacement will be given.
6. Confirmation the primary account has updated on the cardholder's credit monitoring.
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In the event the primary account has not yet updated, this means it will not have updated for the client. In this case, we must wait until the primary account updates for posting.
7. Confirmation that the representative of the associated bank made no errors in taking and inputting information
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If the representative at the host bank associated with your tradeline entered information incorrectly, Tradeline Vault will work with the bank to see the information corrected - this should pull the tradeline onto the report after the tradeline's next closing (reporting) date.
8. Confirmation the Tradeline that the client was added to was not shut down, locked or closed
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In this case, the tradeline would be listed under "closed accounts" and is often missed - if the tradeline was closed or shut down - often times this is better for the client as the Tradeline can now never be removed by us and the client will continue to benefit from the Tradeline's age &/or limit.
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If the primary account is locked, this is typically remedied through the provision of identity verification documents. Once these documents are provided to the host bank associated with your tradeline, via Tradeline Vault representative, the account will be unlocked pending verification approval - this should pull the tradeline onto the report after the tradeline's next closing (reporting) date.
9. Confirmation the bank did not change the closing date on said account.
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If the bank reassigned the date at which the tradeline will report (closing date) the Tradeline Vault representative will inform the client of the new listed closing date.
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In the rare case that this new closing date puts the client's posting outside the 45-day guarantee, a refund, store credit, or replacement will be provided.
10. Verification the client has zero negative history with the host bank associated with the tradeline.
* After completing all these steps and confirming there are no errors, a final step will be performed: a HARD PULL on the client's credit. This ensures the provided social security number matches the credit report linked to the credit monitoring logins provided.
The Steps We Take Throughout The Investigation Process
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THE RESULTS
After these steps have been concluded, and the 45 day time period has elapsed, if the tradeline has not shown up by the 45th day, and Tradeline Vault has verified the information provided by the client contained no errors:
A REPLACEMENT TRADELINE OR REFUND WILL BE PROVIDED.
The replacement Tradeline will be as compatible as possible to the originally purchased Tradeline in price, age and limit. If a compatible Tradeline is unavailable, a REFUND will be provided.
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*Tradeline Vault has no obligation to replace or refund the client until after the 45 day window has closed because in some cases, the full 45 days is necessary
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 your authorized user status will remain active for a minimum of two full monthly reporting cycles 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.