Overview

This Service Disclosure explains the nature of the services provided by Tradelines for Personal Credit.

The purpose of this disclosure is to ensure that customers clearly understand the scope and limitations of the services offered through this website.

By using this website or purchasing services, customers acknowledge that they have read and understand this disclosure.

Nature of Our Services

Tradelines for Personal Credit provides authorized user tradeline placement coordination services.

Through this service, customers may request placement as an authorized user on established credit card accounts owned by independent third-party account holders (“Line Holders”).

The Company facilitates the administrative coordination and placement process between customers and Line Holders.

The Company does not own the credit card accounts used for authorized user placement.

Authorized User Tradelines

An authorized user tradeline refers to an existing credit card account where an individual may be added as an authorized user by the account holder.

When reported by the issuing financial institution, the account may appear on the authorized user’s credit profile.

Tradelines displayed on the Company's tradeline list include information such as:

• account age
• credit limit
• utilization ratio
• statement closing date

Customers may use this information to select tradelines that align with their personal timing or financial goals.

No Credit Repair Services

Tradelines for Personal Credit does not provide credit repair services.

The Company does not:

• dispute items on credit reports
• remove negative accounts
• communicate with credit bureaus on behalf of customers
• negotiate debts with creditors
• provide credit counseling
• guarantee credit score changes

Customers seeking credit repair services should consult a licensed credit repair organization.

No Credit Score Guarantees

Credit scores are calculated using proprietary scoring models that consider many factors within a consumer’s credit profile.

The Company does not guarantee any specific credit score outcome.

The Company does not guarantee:

• credit score increases
• loan approvals
• financing approvals
• changes to credit report information

Individual results will vary depending on each customer's credit profile.

Tradeline Reporting

Authorized user tradelines are reported to credit reporting agencies by the issuing financial institution.

Tradeline reporting is determined entirely by:

• the credit card issuer
• the credit reporting agencies

The Company does not control:

• when a tradeline reports
• how a tradeline appears on a credit report
• which credit bureaus receive the reporting

Tradelines are generally expected to reflect on a customer's credit profile within approximately seven (7) to fourteen (14) days following the closing date associated with the tradeline listing, although reporting timelines may vary.

Tradeline Duration

Authorized user placements are typically reported for approximately forty-five (45) to sixty (60) days.

After this reporting period, the Line Holder may remove the authorized user from the account.

The exact timing of removal and how long the tradeline remains visible on a credit report may vary depending on the policies of the issuing financial institution and credit reporting agencies.

Identity Verification Requirements

To protect against fraud and identity theft, all customers must complete identity verification before tradeline placement can occur.

Customers may be required to provide:

• a valid government-issued photo identification (such as a driver's license)
• proof of Social Security number (such as a Social Security card)

This information is used solely for identity verification and authorized user placement processing.

Independent Account Holders

The credit card accounts used for tradeline placements are owned by independent third-party account holders.

Tradelines for Personal Credit acts solely as a facilitator and coordinator of authorized user placements between customers and account holders.

The Company does not control the policies, reporting practices, or account management decisions of these account holders or the issuing financial institutions.

Financial Decision Disclaimer

Customers are responsible for their own financial decisions.

The Company does not provide financial, legal, or lending advice.

Customers should consult appropriate financial professionals before making decisions related to credit, lending, or financing.

Contact Information

If you have questions regarding this Service Disclosure, please contact:

Tradelines for Personal Credit

Customer Support Phone
(404) 832-0174

Support Hours
Monday – Friday
9:00 AM – 5:00 PM EST