Our Guarantees
Clear, simple commitments — we stand behind the core delivery promises for every tradeline purchased by the stated purchase deadline. Read the guarantees below and important exclusions so you know exactly what to expect.
- ✅ Posts by reporting period
- ✅ 2 monthly reporting cycles
- ✅ 2-of-3 bureaus guaranteed
What We Guarantee
Tradeline Exchange stands behind the following commitments for tradelines purchased by the purchase deadline:
- If you buy any tradeline by the purchase deadline, it will post on your credit report during the next reporting period listed for that tradeline.
- Tradelines will post to any two of the three major credit bureaus (Equifax, Experian, TransUnion).
- For each tradeline purchased, you will remain on the card as an authorized user for two monthly reporting cycles.
- All tradelines are guaranteed to have a perfect payment history — no late payments will be reported.
- The tradeline's utilization ratio while you are on the account will be maintained at 15% or lower.
We monitor reporting windows and verify postings. If a tradeline does not post within the guaranteed reporting period, follow our refund process (documented on the Report a Non-Posting page) to request a full refund for the affected tradeline.
What We Do NOT Guarantee
It’s important to be clear about the limits of our service. The following are not guaranteed:
- We do not guarantee any specific increase in your credit score — you may see no change or a negative change depending on your unique credit file and scoring models.
- We do not guarantee that purchasing tradelines will result in new funding, loans, credit cards, or other credit approvals.
- Our customer service team will not provide speculative estimates about how many points you may gain or whether a tradeline will achieve a target score. We do not talk about credit score predictions.
- We do not guarantee any result beyond getting a tradeline to post as described in the guarantees above.
- Tradelines will not post if you have a fraud alert or credit freeze with any bureau — please remove these before purchasing to ensure posting.
Refunds & Non-Posting Policy
If a tradeline does not post within the guaranteed reporting period, you may request a refund. Refund requests must be submitted in writing and include the documentation we require to verify non-posting.
- Create a CreditKarma.com account and confirm your credit was updated after the last date of the reporting period.
- Confirm the tradeline is not reporting to at least two bureaus (TransUnion & Equifax). If CreditKarma shows the tradeline reporting to one bureau, provide Experian data to demonstrate non-posting to two bureaus.
- Collect and attach the following: order confirmation, dated screenshots showing no posting, and any requested supporting evidence.
- Email the documentation to our support address (support@example.com) with a written refund request. Refunds are processed after verification.
- Confirm posting date is after reporting period end.
- Collect CreditKarma screenshots showing no posting on two bureaus.
- Email support with order confirmation and screenshots.
Questions about guarantees?
If anything on this page is unclear, contact our support team and we'll walk through your specific purchase and reporting windows.