Marketplace terms for customers and partners.
These Terms and Conditions govern use of TradelinesStore.com and participation in the authorized user tradeline marketplace operated by BCR Consulting, LLC.
Effective Date: June 2026
Last Updated: June 2026
1. Agreement to These Terms
By accessing TradelinesStore.com, creating an account, submitting an application, placing an order, participating as a cardholder, acting as a broker or affiliate, or otherwise using the services, you agree to these Terms and Conditions and all related policies and agreements.
If you do not agree to these Terms, do not use the website or services.
2. Business Operator
TradelinesStore.com is operated by BCR Consulting, LLC. References to “TradelinesStore.com,” “BCR Consulting,” “we,” “us,” or “our” refer to BCR Consulting, LLC and the marketplace services offered through TradelinesStore.com.
3. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement.
We may refuse, suspend, or terminate access to any person or organization at our discretion, including for suspected fraud, misuse, incomplete verification, false information, abusive conduct, policy violations, or legal or compliance concerns.
4. Marketplace Services
TradelinesStore.com provides a marketplace and administrative process that may connect:
- Customers seeking authorized user tradeline placements
- Verified cardholders with eligible credit-card accounts
- Approved brokers who assist or refer customers
- Approved affiliates who refer customers through tracking codes or links
Marketplace services may include inventory listings, secure intake, order review, payment confirmation, cardholder coordination, reporting confirmation, document collection, customer remedies, and partner compensation.
5. No Credit Score or Financing Guarantee
TradelinesStore.com does not promise or guarantee:
- Any specific credit score increase
- Any minimum score increase
- Credit approval
- Loan approval
- Mortgage approval
- Auto financing approval
- Credit-card approval
- Business funding approval
- Any other financial result
Credit outcomes depend on many factors, including the customer’s complete credit profile, bureau data, scoring model, utilization, account history, timing, issuer reporting, and other variables outside our control.
6. Inventory Listings
Inventory may display bank or issuer, card name or category, opening date, credit limit, statement date, purchase deadline, estimated reporting period, available slots, utilization range, and price.
Listings are subject to change, removal, pricing updates, cardholder availability, issuer action, and administrator review. A public listing does not guarantee that a slot remains available.
7. Slot Reservations
A selected tradeline slot may be reserved for approximately 30 minutes while the customer begins the order process.
If payment, intake, or required documentation is not completed within the reservation period, the slot may be released and offered to another customer.
8. Order Approval
All orders are subject to review and approval. An order is not final merely because a customer selects a tradeline or submits a form.
We may review:
- Inventory availability
- Customer information
- Payment confirmation
- Cardholder readiness
- Order timing
- Compliance or fraud concerns
- Required agreements and acknowledgments
9. Customer Responsibilities
Customers agree to:
- Provide accurate and complete information
- Use secure intake for sensitive data
- Complete payment as instructed
- Review listing dates and timing carefully
- Read and accept the buyer agreement
- Respond to requests for reporting confirmation
- Upload credit reports when requested through a secure portal
- Not misuse, alter, or falsify documents
10. Payment Terms
At launch, approved customers may be instructed to pay by Zelle to payments@bcrconsulting.us. Customers may be asked to provide a screenshot or confirmation number.
Payment does not guarantee a specific credit result and remains subject to inventory availability, final approval, cardholder completion, and the applicable buyer agreement.
Additional payment methods may be added later. Any third-party payment provider may have separate terms.
11. Reporting Standard
The standard marketplace performance requirement is reporting to at least two credit bureaus.
Reporting timelines may vary. Delays caused by issuers, bureaus, holidays, statement cycles, customer profile differences, or other third parties are not always within our control.
12. Standard Placement Period
Standard authorized user placement is generally intended to remain active for two reporting cycles.
Removal timing may initially be handled manually and case by case. Exact timing may be governed by the order, cardholder agreement, and administrative instructions.
13. Customer Confirmation
Customers may be asked to confirm whether the tradeline appeared on their credit reports or to upload current reports through a secure portal.
Failure to respond may affect order closure, cardholder compensation release, dispute review, or remedy eligibility.
14. Non-Posting Remedies
If a tradeline does not report as expected and the customer qualifies under the applicable agreement, the customer may be offered one of the following:
- An equivalent-or-lower priced replacement tradeline
- Store credit
- A refund
If the customer selects a higher-priced replacement, the customer must pay the difference.
Remedy eligibility may depend on documentation, timing, customer cooperation, bureau reports, cardholder records, issuer behavior, and the signed buyer agreement.
15. Refunds
Refunds are not automatic and are subject to review under the buyer agreement and non-posting policy.
Refunds may be denied where:
- The tradeline reported to at least two bureaus
- The customer provided inaccurate information
- The customer failed to cooperate or provide requested documentation
- The customer disputed or removed the account prematurely
- The customer violated these Terms or the buyer agreement
- Fraud, misuse, or document alteration is suspected
16. Cardholder Eligibility
Cardholders may be required to provide:
- Current credit report
- Current credit-card statement
- Government-issued identification
- Completed W-9
- Signed cardholder agreement
Reasonable address differences between the statement and identification may be reviewed case by case.
17. Cardholder Account Verification
Cardholders must provide truthful information regarding account ownership, account age, limit, payment history, utilization, statement date, and available authorized user capacity.
We may reject or remove any card that appears inaccurate, delinquent, overutilized, inaccessible, restricted, closed, disputed, or otherwise unsuitable.
18. Cardholder Prohibited Information
Cardholders must not submit:
- Full card numbers
- CVV codes
- PINs
- Card photographs
- Online banking usernames or passwords
- One-time authentication codes
- Security-question answers
19. Cardholder Duties
Approved cardholders agree to:
- Add authorized users only when instructed
- Use customer information solely for the assigned placement
- Keep customer information confidential
- Confirm when the authorized user was added
- Maintain the account in good standing
- Keep utilization within approved ranges where reasonably possible
- Remove authorized users when instructed
- Comply with the cardholder agreement
20. Cardholder Compensation
Cardholder compensation is generally released after the customer confirms the tradeline posted to the customer’s credit reports.
If the customer fails to respond, compensation may be released 60 days after the first initial statement date, unless there is an active issue, dispute, suspected non-performance, or documented concern.
21. Broker Program
Approved brokers may be permitted to:
- Place orders for customers
- Send signup links
- Use a broker-specific referral code
- Use a subdomain landing page
- Set an approved resale price
- View limited client-order status
Broker privileges depend on approval, customer relationship, authorization, compliance, and the broker agreement.
22. Broker Payment Models
The broker program may allow:
- The customer to pay TradelinesStore.com directly, with broker compensation paid later
- The broker to collect retail payment and pay TradelinesStore.com the wholesale amount
The applicable model must be documented and approved.
23. Affiliate Program
Approved affiliates may receive a unique referral code or link and limited referral-status information.
Affiliates may not access Social Security numbers, credit reports, identification documents, cardholder documents, or private order notes.
24. Prohibited Marketing Claims
Customers, cardholders, brokers, affiliates, and other users may not make false, deceptive, unsupported, or misleading claims.
Prohibited claims include:
- Guaranteed score increases
- Guaranteed financing approval
- Guaranteed mortgage approval
- Guaranteed auto loan approval
- Guaranteed credit-card approval
- Guaranteed funding or business credit results
25. Secure Intake and Privacy
Sensitive information must be submitted only through approved secure intake or authenticated portal systems.
Users must not send Social Security numbers, credit reports, government identification, W-9 forms, account statements, or other sensitive information through ordinary email or non-secure forms.
26. Account Security
Users are responsible for keeping account credentials confidential and for activity performed through their accounts.
Users must notify us promptly of suspected unauthorized access, misuse, or credential compromise.
27. Prohibited Conduct
Users may not:
- Submit false or misleading information
- Alter or fabricate credit reports, IDs, statements, or agreements
- Use another person’s identity without authorization
- Attempt unauthorized access to accounts or systems
- Scrape, copy, or misuse inventory data
- Interfere with website or portal security
- Use customer information for unrelated purposes
- Violate applicable law, regulation, or card-issuer rules
- Harass staff, cardholders, customers, brokers, or affiliates
28. Suspension or Termination
We may suspend or terminate website access, accounts, applications, orders, listings, broker privileges, affiliate privileges, or cardholder participation for policy violations, fraud concerns, non-performance, abusive conduct, inaccurate information, security concerns, or legal risk.
29. Third-Party Services
The website may use third-party providers for hosting, email, intake, document storage, electronic signatures, scheduling, payments, analytics, credit-report access, and other services.
We are not responsible for third-party outages, terms, privacy practices, security incidents, or service limitations.
30. Intellectual Property
Website content, branding, logos, designs, text, software, workflows, graphics, and other materials are owned by or licensed to BCR Consulting, LLC unless otherwise stated.
Users may not copy, reproduce, distribute, modify, or commercially exploit website materials without written permission.
31. Disclaimer of Warranties
The website and services are provided on an “as is” and “as available” basis to the fullest extent permitted by law.
We do not warrant uninterrupted access, error-free operation, guaranteed inventory availability, guaranteed bureau reporting, guaranteed issuer action, or any specific credit or financial result.
32. Limitation of Liability
To the fullest extent permitted by law, BCR Consulting, LLC and its owners, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages arising from use of the website or marketplace.
Any direct liability may be limited to the amount actually paid by the customer for the specific disputed service, subject to applicable law and the final signed agreement.
33. Indemnification
Users agree to defend, indemnify, and hold harmless BCR Consulting, LLC and its owners, employees, contractors, affiliates, and service providers from claims, damages, losses, liabilities, costs, and expenses arising from user misconduct, false information, policy violations, unauthorized access, unlawful activity, or breach of these Terms.
34. Disputes
Users should first contact TradelinesStore.com to attempt informal resolution of any dispute.
Final dispute-resolution, arbitration, venue, class-action waiver, and governing-law language should be added after legal review and may also appear in the buyer, cardholder, broker, or affiliate agreement.
35. Governing Law
These Terms are intended to be governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where another jurisdiction’s law applies.
36. State-Specific Terms
Additional notices, disclosures, restrictions, or contract terms may apply based on the user’s state of residence.
37. Electronic Communications
By using the services, users consent to receive electronic communications related to applications, orders, account access, payments, reporting, security, agreements, and marketplace updates.
38. Changes to These Terms
We may update these Terms periodically. Revised Terms will be posted on this page with an updated effective date.
Continued use of the website or services after changes are posted may constitute acceptance of the revised Terms.
39. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.
40. Entire Agreement
These Terms, together with the Privacy Policy and any signed buyer, cardholder, broker, affiliate, or other agreement, constitute the agreement governing the applicable service.
41. Contact Information
Questions regarding these Terms 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.