OUR GUARANTEE
Tradelines typically post within the first 3-15 days after the card's closing date. On occasion, however, it can take longer. It important to know although no posts are uncommon, this is not abnormal. Because of this, and for your peace of mind, our Tradelines are backed by a guarantee:
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45-day guarantee to post to at least one of the 3 bureaus
*credit profile/privacy numbers (CPNs) and blank files are excluded from this guarantee
Why can't you guarantee all 3 bureaus?
This is where it will help you to know a little bit about tradelines:
Tradelines post by matching the information you provide - with what exists on your credit file.
So when a tradeline posts, it means the information matched successfully. If a tradeline posts to one bureau but not the others, the issue is with the information on your credit report, and not the Tradeline itself.
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( if the problem were with the Tradeline - it wouldn't post at all )
If this is ever the case, we advise you seek credit repair services as that is a telltale sign your 3 reports lack congruency and is, therefore, out of our control.
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What's Next...
If your tradeline has not shown itself on any of the 3 credit bureau reports...
Our goal is to find the reason for your tradeline's absence - and so we will begin the investigation process.
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To initiate your guarantee
& start the investigation process, please follow these steps:
Before you contact us about your no post
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Allow the full 15 day posting-period to run its course before you worry. This is 15 days AFTER the listed closing date on your purchased tradeline.
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(You can find this closing date listed in the confirmation message you received post-order)
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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
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After the 15 day period has expired. Reach out to inform us of the potential no-post. We'll need your credit monitoring log-ins to begin the investigation process
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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.
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If you cannot or will not provide any of this information, your choice voids our guarantee and tradelines will not be replaced or refunded.
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​Your patience. Rest assured we have your best interests in mind and will be working to remedy your no-post as quickly as we can - however, as you will read below, this process is complex and cannot be rushed. We will need 45 days, as determined by the banks reporting cycles, to fully remedy your no post.
After the 15 day posting period has expired and credit monitoring logins are provided, Tradeline Vault will start the investigation process.
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Verification the credit profile is a tri-merged credit file and is not a blank file or a synthetic number - CPN.
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(if this information is not present, this voids the guarantee - as there is 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 will be given.)
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Verification the credit monitoring being used has updated a minimum of 15 days AFTER the tradelines closing date.
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(if the credit monitoring has not yet updated, it will not reflect the tradeline as it may be pulling a report from BEFORE the tradeline was added. In this case you will need to pull a fresh report or wait until the report refreshes automatically)
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Verification that the information originally provided by the client, matches what is on the client’s credit profiles (ie: name, full address, birthday, etc)
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(if the information does not match, the client must fix it on their end.)
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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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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 an error in entering information, the information will be fixed (depending on the bank) for posting the following month.)
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Confirmation the primary account has updated on credit monitoring.
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(in the event the primary account has not yet updated, this means it will not yet have updated for the client. In this case we must wait until the primary account has updated for posting.)
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Confirmation that the representative of the associated bank made no errors in taking and inputting information
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(if the credit card company’s representative entered information incorrectly, the information will be fixed for posing the following month.)
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Confirmation the Tradeline that the client was added to was not shut down 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 shutdown - 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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Confirmation the bank did not change the closing date on said credit card account.
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(if the closing date changed on the tradeline the client will have to wait until the statement closes again the following month. We have no control over this.)
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The investigation process:
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If after all these steps are completed and no errors are found, one final step will be done. This means a HARD PULL on the client’s credit will be performed. This is to ensure the social security number that was originally provided by the client was correct.
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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:
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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.
*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 the tradelines will post to any 1 out of the 3 major credit bureaus.
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We guarantee that all tradelines will have 100% perfect payment history
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We guarantee that all our tradelines are vetted with zero late payments.
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We guarantee that the utilization ratio will always be 9% or lower.
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On all tradelines purchased, we guarantee that you will remain on the tradeline as an authorized user for a minimum of 2 monthly reporting cycles.
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.