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FAQs

1. How do I deposit funds to my Tradeline Savvy Account to purchase your services?


Your order must be paid for within 24 hours or your order will be automatically canceled. We have numerous options for you to fund your account! You can make a deposit into any of our company accounts or transfer money online through Wire Transfer, Zelle funds, and CashApp Business. We also accept Cryptocurrency payments through Coinbase Commerce. All funds deposited will be applied to a Tradeline Savvy Gift Card that will be sent to you via email within 24 hours of payment confirmation. You can also order Tradeline Savvy Gift Cards HERE to load your Tradeline Savvy account and place an order with the gift card.


2. Why do I need to pay for Tradeline Savvy Services 100% upfront?


We are contractually  obligated by our cardholders to only secure lines that have been fully funded for the purchase of tradelines. If your line does not post, we will grant a refund up to 100% of the price paid.  


3. What happens if I change my mind and need to withdraw funds from my Tradeline Savvy Account? 


 If you need to withdraw your funds, complete our withdrawal form HERE. We'll need the following information: 

  •  Amount of Withdrawal 
  •  Payee name on the check 
  •  Mailing address to receive the check 

 We will issue a check via regular mail within 7-10 business days of receiving your request. 


4. What is Tradeline Savvy's Refund Policy? 


 Our Refund Policy is as follows: 


 Tradelines Refund Policy

  •  For tradelines Proof of non-posting (a 3-bureau credit report) must be provide no earlier than 7-10 business days after the statement date and the issue must be resolved no later than 25 days after the statement date. You can report Proof of non-posting HERE. 


  •  For tradelines that DO NOT REQUIRE "Special Address" to post: If the tradeline posted to one credit bureau or no credit bureaus at all, a full refund will be granted and applied to your Tradeline Savvy Account. If the tradeline posted to two credit bureaus or to all three, no refund will be granted. 


  • For tradelines that REQUIRE a "Special Address" to post: If the tradeline posted to Experian and  Transunion, no refund will be granted. If the tradeline posted to only Experian or only Transunion, a 50% refund will be granted and applied to your Tradeline Savvy Account. If the tradeline posted to Equifax and only one other credit bureau (either Experian or Transunion, not both), a 50% refund will be granted and applied to your Tradeline Savvy Account. If the tradeline posted to Equifax only, a full refund will be granted and applied to your Tradeline Savvy Account.


Apartment Services Refund Policy

  • For Co-Signer Apartment Services if you are unable to secure an approval from one of your three rental options with Tradeline Savvy as your co-signer, we suggest you upgrade to our Corporate Rental Services package and ensure a rental solely in our name. 75% of the funds you paid for the purchase of the Co-Signer Rental Service can be applied to our Alias Rental Service or our Corporate Rental Service, 25% is non-refundable. If you are unable to secure an approval from one of your three rental options with Tradeline Savvy as your co-signer  and  choose not to upgrade one of our other rental services, a 50% refund will be granted and applied to your Tradeline Savvy Account. If you ARE ABLE to secure an approval from one of your three rental options with Tradeline Savvy as your co-signer and unable to pay move-in cost or unable to move forward with the rental agreement at no fault of Tradeline Savvy, a refund WILL NOT be granted. Remember: You are responsible for all move-in cost, fees, and monthly rental rate during the duration of your rental. A 100% refund will be granted and applied to your Tradeline Savvy Account if the order is fully canceled within 48 hours. Please email us here HERE to cancel your order. You will receive a confirmation email of cancellation within 24 hours.


  • For our Alias Rental Service a 100% refund will be granted and applied to your Tradeline Savvy Account if your order is canceled within 48 hours. Please email us HERE to cancel your order. You will receive a confirmation email of cancellation within 24 hours. 


  • For our Corporate Rental Service if we are unable to secure an approval (subject to availability) for one of your three rental options within 45 business days, a 100% refund will be granted and applied to your Tradeline Savvy Account. If your chosen three rental options do not have availability, you will have the option to resubmit our Corporate Data Form with three new rental options. You also have the option to cancel your order and a 100% refund will be granted and applied to your Tradeline Savvy Account if the order is fully canceled within 48 hours. Please email us here HERE to cancel your order. You will receive a confirmation email of cancellation within 24 hours. If you ARE ABLE to secure an approval from one of your three rental options with Tradeline Savvy as your lease holder and unable to pay move-in cost or unable to move forward with the rental agreement at no fault of Tradeline Savvy, a refund WILL NOT be granted. Remember: You are responsible for all move-in cost, fees, and monthly rental rate during the duration of your rental.


5. What can I do to ensure my application is accepted?


For maximum acceptance:

  • Have funds available in your Tradeline Savvy Account 
  • Enter all of your information accurately into the data form associated with your product.
  • Upload and Submit all required documentation with your data form.


6. Why was my application rejected?


The most common reasons why an application is rejected is because an order was not paid for within the 24 hours grace period allotted, required documentation wasn't submitted, or there was an issue with the submitted SSN for tradelines. 


7. Which banks require additional documentation and why?


We require documentation for Citi Bank, Discover, and Capital One tradelines due to increased security at these banks. Documents must be attached to your order application or your order will be cancelled. 

Here are the required documents:

  • Citi Bank - Upload copy of Social Security Card with your order application.
  • Discover -Upload copy of Social Security Card and Government Identification with your order application.
  • Capital One - Upload a copy of your signed Social Security Card with your order application.


8.  Why are prices different for different tradelines?


Prices are different for different tradelines because of their credit limit and age. this is because a tradeline with a lower limit and younger age will not have as big an impact as a tradeline with a higher limit and older age. We offer a variety of different lines to suit each client's unique needs.


9. What is a "Special Address" and how do I use one to post Authorized User Tradelines?


A "Special Address" is simply a mailing address that you must temporarily use in place of your own to get tradelines from certain banks to post. This involves tradelines from Chase, Discover, Wells Fargo, and a few smaller banks. There are two ways to post these lines. You can either initiate a "hard pull" on your credit monitoring account such as www.Experian.com or www.Transunion.com or update your address on  your profile with www.Experian.com and request three new bureau reports.


10. When do Authorized User Tradelines Post and how long do they stay posted on my credit report?


All Authorized User Tradelines are ready to post in 1-2 weeks after the listed statement date and will remain posted for at least 30 days after the statement date.


11. Do your tradelines post to all three credit bureaus (Experian, Equifax, and Transunion)?


Several of our tradelines post to all three credit bureaus. However, lines that require a special address typically have challenges posting to Equifax. This includes lines from Ally, Amazon, Chase, Community, Discover, Fidelity, GE Capital, GM, Marvel, Merrick, Sychrony, US Bank, Wells Fargo, WFB, and Zions Bank. If Equifax posting is important to you, we recommend that you do not order any of these lines.


12. Why don't tradelines post sometimes?


Due to the very dynamic nature of this business, there are many factors beyond our control that can cause a line to post improperly or occasionally not at all. Sometimes these have to do with issues on the cardholder's end and sometimes they are due to issues with your credit file. What we can guarantee is that is there are any issues with posting that are brought to our attention in a timely manner, we will always evaluate the problem and assess a refund for the order as quickly as possible if the situation permits.


13. What do I do if my tradeline ordered does not post?


If your tradeline does not post, please fill out our Non-Posting Form HERE and we will get back to you ASAP. For expedite service, make sure you provide your credit monitoring information, double-check that the login credentials are accurate, and have a credit card on file to order a new three credit bureau report. Once non-posting is verified, a refund will be issued accordingly to your Tradeline Savvy Account.


14. Is this legal?


Yes! Using Authorized User Tradelines to boost your credit score is a perfectly legal process. Parents routinely add their children as authorized users to assist in credit building and now we're given you and our other clients the opportunity to access the exact same process.


16. Can I make money referring clients for Tradeline Savvy Services?


Yes! Tradeline Savvy has an Affiliate Program available with an unlimited earning potential. You can earn 10% commission on all sales submitted through your affiliate link. You have access to refer clients for any services listed on our site. Many of our affiliates have been able to produce a full-time income from their referrals for our services. Commission is paid out weekly via Direct Deposit, Check, or PayPal as a 1099 Independent Contractor. 


17. How do I join Tradeline Savvy's Affiliate Program?


You can join Tradeline Savvy's Affiliate Program HERE. We looking forward to working with you.


18. What do I do if I have more questions?


If you have additional questions please feel free to call us Monday through Friday, 10:00 AM to 4:00 PM (Pacific Standard Time). You can also email us HERE or use the chat button on the bottom right of your screen to chat with a live representative Monday through Friday, 10:00 AM to 4:00 PM (Pacific Standard Time).


Thank you for choosing Tradeline Savvy!