Clear answers about the tradeline marketplace.
Learn how authorized user tradelines, inventory, reporting, cardholder verification, payment, broker access, privacy, and customer remedies are intended to work.
About authorized user tradelines.
An authorized user tradeline is a credit-card account on which the primary cardholder adds another person as an authorized user. Depending on the issuer and credit bureaus, the account may then appear on the authorized user’s credit reports.
No. TradelinesStore.com does not promise or guarantee any specific score increase, credit approval, loan approval, or other financial result. Outcomes vary based on the customer’s complete credit profile, scoring model, bureau data, utilization, timing, and other factors.
The standard placement period is generally two reporting cycles. Removal may initially be handled manually and case by case according to the order instructions and cardholder agreement.
The marketplace performance standard is reporting to at least two credit bureaus. Exact issuer reporting behavior and bureau processing can vary.
Questions for customers.
Listings may display:
- Bank or issuer
- Card name or category
- Date opened
- Credit limit
- Statement date
- Purchase deadline
- Estimated reporting period
- Available slots
- Utilization range
- Retail price
No. Cardholder identity, full account numbers, account credentials, and private documents are not displayed in public inventory.
The planned reservation period is 30 minutes after a customer begins the order process. A visible countdown can show the remaining reservation time.
At launch, customers may pay by Zelle to payments@bcrconsulting.us. Payment can be confirmed with a screenshot or Zelle confirmation number. Additional payment methods may be added later.
The customer may choose among the available remedies:
- An equivalent-or-lower priced replacement tradeline
- Store credit
- A refund according to the final agreement and non-posting policy
A higher-priced replacement may be selected if the customer pays the difference.
For people listing eligible cards.
- Current credit report
- Current credit-card statement
- Government-issued ID
- Completed W-9
- Signed cardholder agreement
Not necessarily. Reasonable differences, such as a recent move or alternate mailing address, may be reviewed case by case.
The cardholder’s name, issuer, statement date, and enough account detail to verify ownership should remain visible. Only the last four digits should be shown. Transactions and unnecessary private information may be redacted.
- Front or back photographs of the physical card
- Full card number
- CVV or PIN
- Online banking username or password
- One-time authentication codes
- Security-question answers
Cardholder compensation is generally released after the customer confirms that the tradeline posted. If the customer does not respond, payment may be released 60 days after the first initial statement date unless there is an active issue or documented non-performance.
For referral and professional partners.
Affiliates refer customers using a code or link and receive limited order information. Brokers may receive permission to place orders, guide clients, use custom pricing, and operate a broker-branded subdomain.
The planned platform allows approved brokers to use their own resale price when sending a customer signup link or using a broker-branded landing page, subject to the broker agreement and system rules.
Yes. The planned broker program can support both models: the customer pays TradelinesStore.com, or the broker collects retail payment and pays the marketplace wholesale amount.
No. Affiliates should only receive limited referral and compensation status. They should not see Social Security numbers, credit reports, identification, cardholder documents, or private order notes.
Approved brokers may receive subdomain landing pages such as partnername.tradelinesstore.com. More advanced white-label and custom-domain options may be added later.
How sensitive information is handled.
No. Sensitive information should only be submitted through the designated secure intake or authenticated portal process once connected.
No. Customers and cardholders should never provide credit-monitoring usernames, passwords, security answers, or one-time access codes.
The cardholder should log into a secure portal to view only the customer information needed for the authorized user addition. Sensitive information should not be included in ordinary email.
Still have a question?
Contact us for general information. Do not include Social Security numbers, reports, IDs, or other sensitive information.