PLEASE BE SURE TO REMOVE ALL FRAUD ALERTS & FREEZES ON YOUR FILE. IF YOU DO NOT THIS WILL CAUSE A DELAY. IF THIS CAUSES A DELAY YOUR FILE WILL HAVE TO BE RE-SUBMITTED ! THANK YOU
All lines require on average 15 to 30 business days to populate or sooner. (There are times when they take longer if something arises after posting) YOU will be informed of this if it happens.
(REFUND POLICY & DISCLOSURE)
If the line does not appear within a 30 business day period , we will issue a replacement. If the REPLACEMENT line does not post within 60 days then we will issue a refund. If you are due a refund - Please fill out the support ticket with your information so that a refund can be processed. All refunds will be sent out 10 day or sooner once the support ticket has been sent. If there is a problem with your profile and this is the reason for non-posting, I will work with you to get it to post prior to a refund.
You as the client and/or broker are responsible for the accuracy of information you submit to us. Being one digit off on a SSN or date of birth, or spelling a name incorrectly will cause a trade line not to post properly. We DO NOT replace lines when you submit inaccurate information so please double check your info. If you submit incorrect or inaccurate information, you would need to re-purchase the line again if the order was already processed.
It is the client’s responsibility to open their own credit monitoring service. It is not our job to open your credit monitoring service. We recommend Credit Check Total because it provides quicker updates, more accurate information, and sends alerts in real time that the free services do not send. Note that we do not accept Credit Karma or any free credit monitoring site as proof of non-posting. More information on our trusted credit monitoring sites as proof of non-posting are listed below.
Trade lines are PERMANENT. After the 30th business day after the upload date, if the line has not posted, please submit a Support Ticket to inform us. We will investigate. If you don’t submit a ticket, then we DON’T KNOW ABOUT IT.
In order to investigate trade lines that have not posted, we will need you to accurately fill out all information on your Support Ticket. You must provide a valid login ID and password from one of our trusted credit monitoring sites
(We will only accept Creditchecktotal.com/Experian.com/Transunion.com/Equifax.com/Myfico.com).
After 30 business days, if you have not emailed us we will assume that the line has posted and the transaction has successfully completed. .
We guarantee the trade line posting on at least 2 of the 3 credit bureaus. If a line only posts to one bureau we will attempt to merge it on a 2nd bureau. Most of the time trade lines will post to at least 2 of the 3 bureaus but every once in a while, we get a stubborn line and that is out of our control.
Also note that some banks do not report to all three credit bureaus as each bank sets their own rules surrounding their reporting data. Also please understand that from time to time lines do not post. We ask that you be patient going into this and understand that the process could or may have a delay of a few days or even a couple of weeks. Our Support Team will assist you in making sure that your lines post accordingly.
In the event of a trade line not posting, or a line becoming unavailable or sold out, we will select an equivalent or better trade line and move you to it. This may be without notice. Changes happen so frequently that we are unable to notify every client of every change.