Clear remedies when a tradeline does not report as expected.
This policy explains the review process and available remedies when an authorized user tradeline does not report according to the applicable order terms.
Effective Date: June 2026
Last Updated: June 2026
1. Purpose of This Policy
This Refund and Non-Posting Policy explains the remedies that may be available when a purchased authorized user tradeline does not report according to the applicable order terms.
This policy is incorporated into the TradelinesStore.com Terms and Conditions and any applicable buyer agreement.
2. Marketplace Performance Standard
A tradeline is generally considered successfully performed when it reports to at least two credit bureaus during the applicable placement period.
Reporting dates and bureau processing times may vary. A delay alone does not automatically establish non-performance.
3. Standard Placement Period
Standard placement is generally intended to cover two reporting cycles.
The customer should allow sufficient time for issuer reporting and bureau processing before requesting a non-posting review.
4. Available Customer Remedies
Replacement Tradeline
The customer may select an equivalent-or-lower priced replacement tradeline, subject to availability and approval.
If the customer selects a higher-priced replacement, the customer must pay the difference.
Store Credit
The customer may accept store credit for the eligible value of the order and apply it toward another available tradeline or future eligible service.
Refund
The customer may request a refund after completion of the non-posting review and confirmation that the order qualifies.
5. How to Request a Non-Posting Review
The customer must contact TradelinesStore.com within the timeframe stated in the buyer agreement and provide requested documentation.
The customer may be required to provide:
- Order number
- Selected tradeline information
- Full credit reports from the applicable bureaus
- Reports dated after the expected reporting period
- Proof that the reports are current and complete
- Any additional information reasonably needed to investigate the order
Credit reports and sensitive information must be uploaded through the designated secure portal and must not be sent through ordinary email.
6. Review Process
TradelinesStore.com may review:
- Customer intake and order records
- Payment confirmation
- Cardholder confirmation records
- Statement and purchase dates
- Credit reports submitted by the customer
- Issuer and bureau reporting timing
- Whether the account reported to at least two bureaus
- Whether the customer cooperated with requests for documentation
- Whether any customer action may have affected reporting
7. Conditions for Eligibility
A customer may qualify for a replacement, store credit, or refund when:
- The order was approved and paid
- The cardholder completed the authorized user addition as instructed
- The tradeline did not report to at least two bureaus
- The customer waited through the applicable reporting period
- The customer submitted complete and current reports
- The customer complied with the buyer agreement
- No fraud, misuse, or material misrepresentation is present
8. Situations That May Not Qualify
A remedy may be denied when:
- The tradeline reported to at least two bureaus
- The customer did not wait through the applicable reporting period
- The customer failed to provide complete or current credit reports
- The customer provided inaccurate identity or account information
- The customer placed a fraud alert, security freeze, dispute, or other restriction that affected reporting
- The customer disputed or removed the tradeline prematurely
- The customer used a report provider that omitted relevant bureau data
- The customer failed to cooperate with the investigation
- The customer violated the Terms or buyer agreement
- Documents were altered, incomplete, or suspected to be fraudulent
9. Reporting Delays
Credit reporting can be delayed by statement timing, issuer processing, bureau processing, holidays, account updates, technical issues, or other third-party factors.
TradelinesStore.com may allow additional time before determining that a tradeline failed to report.
10. Replacement Tradeline Terms
Replacement inventory is subject to availability. TradelinesStore.com does not guarantee that an identical tradeline will be available.
The replacement may differ in issuer, card type, age, limit, statement date, or estimated reporting date.
The customer may select:
- An equivalent-priced replacement
- A lower-priced replacement
- A higher-priced replacement by paying the difference
No cash refund is generally owed for the difference if the customer voluntarily selects a lower-priced replacement, unless otherwise approved in writing.
11. Store Credit Terms
Store credit may be applied to future eligible tradeline orders or other approved marketplace services.
Store credit:
- Has no cash value unless otherwise required by law
- May not be transferred without written approval
- May be subject to an expiration period stated in the final buyer agreement
- May be reduced by amounts already refunded or credited
12. Refund Processing
Approved refunds will be issued using a reasonable available method determined by TradelinesStore.com.
Because initial payments may be made through Zelle, the customer may be asked to confirm the recipient information needed to return funds.
Refund processing time may vary based on internal review, payment records, banking schedules, and fraud-prevention procedures.
13. Partial Reporting
If the tradeline reports to only one bureau, the order may be eligible for review because the marketplace standard requires reporting to at least two bureaus.
TradelinesStore.com may allow additional time to determine whether the remaining bureau reporting is delayed.
14. Customer Cooperation
Customers must respond to reasonable requests for documentation and status confirmation.
Failure to respond may result in order closure, denial of a remedy, or release of cardholder compensation under the applicable terms.
15. Cardholder Compensation and Customer Review
Cardholder compensation is generally released after the customer confirms the tradeline posted.
If the customer fails to respond, payment may be released 60 days after the first initial statement date unless an active issue exists.
A cardholder payment release does not automatically eliminate a valid customer remedy if later documentation establishes eligible non-performance.
16. Duplicate Remedies
A customer may not receive more than one full remedy for the same order.
For example, a customer who accepts and uses a replacement tradeline or full store credit generally may not also receive a full refund for the same order.
17. Chargebacks and Payment Disputes
Customers should first contact TradelinesStore.com to allow a reasonable opportunity to review and resolve the issue.
Filing a false, misleading, or duplicative payment dispute may result in suspension of marketplace access and collection of amounts owed, to the extent permitted by law.
18. Fraud and Misrepresentation
Refunds, replacements, and credits may be denied where fraud, identity misuse, document alteration, material misrepresentation, or abusive conduct is suspected.
TradelinesStore.com may suspend the account and preserve records for legal, compliance, or fraud-prevention purposes.
19. No Guarantee of Credit Outcome
A tradeline that reports successfully may not produce a score increase or financing approval.
Lack of a desired score increase, approval, or financial outcome is not by itself grounds for a refund.
20. Changes to This Policy
TradelinesStore.com may update this policy periodically. The policy in effect at the time of the order, together with the signed buyer agreement, will generally govern that transaction.
21. Contact Information
Questions regarding this policy may be directed to:
TradelinesStore.com
A BCR Consulting Company
Email: info@tradelinesstore.com
Do not include Social Security numbers, credit reports, identification documents, account numbers, passwords, or other sensitive information in ordinary email.