REFUND POLICY

When you purchase Seasoned Tradelines from us, you are purchasing Real Authorized User Accounts and WE GUARANTEE that each Tradeline will:

A: Have a Perfect Payment History. Always Paid on Time. Never Late.
B: Have at least the specified Age and Credit Limit.
C: Have a Balance that does not exceed 20% of the Credit Limit.
D: Will post to all 3 Credit Bureaus (Experian, Equifax, and TransUnion) no later than 14 Calendar Days after the specified Reporting Date.
E: Will increase your Credit Scores.

In the event any Tradeline purchased does not live up to one or more of the Guarantees explained above, then we will provide you with a Replacement Tradeline of similar Credit Limit and Age with the closest Next Reporting Date possible until such Replacement Tradeline posts successfully to your Credit. In the event you purchased a Tradeline with a particularly High Credit Limit or Old Age, and it needs to be replaced, then we reserve the right to replace it with one or more Tradelines that add-up to the particular Age and/or Credit Limit of the original Tradeline.

REPORTING DATES FOR TRADELINES ARE “BEST EFFORTS” – THEY CANNOT BE GUARANTEED 100%.

IF YOUR TRADELINE NEEDS TO BE REPLACED BECAUSE IT FAILED TO POST, THEN YOUR REPORTING DATE WILL MOST LIKELY BE DELAYED. WHEN YOU PURCHASE TRADELINES YOU MUST PLAN FOR THE POSSIBILITY OF YOUR REPORTING DATE BEING CHANGED IN THE EVENT THE TRADELINE NEEDS TO BE REPLACED.

Tradelines will show as “Open” for 30 to 60 Days, after which they will still stay on your Credit Report as “Closed” Accounts, which still has a large positive effect on your Credit History and Scores. Most Tradelines will stay on FOREVER on your Credit Reports, or at the very least for many years, however, we cannot guarantee the exact amount of time they will show on your Credit Reports.

ALL SALES ARE CONSIDERED FINAL AND NON-REFUNDABLE.
THERE ARE NO CASH REFUNDS – WE ISSUE STORE CREDIT ONLY.

FRAUD ALERTS AND BLOCKS:
The Guarantees above apply as long as there are no Fraud Alerts, File Blocks, or any other issue with your Credit File that could prevent Tradelines from posting to your Credit. Removing Fraud Alerts, File Blocks, and resolving any possible Credit-Bureau Issue is your sole responsibility, and should we detect your Credit File is affected by one of these Issues, the Guarantees above do not apply for the affected Credit Bureau(s).

UNVERIFIED SOCIAL SECURITY NUMBERS, CPNs, SCNs, AND OTHER TYPES OF FILE SEGREGATION:
All Clients should provide a copy of their Social Security Card Front and Back to verify their Social Security # is valid. We do NOT work with CPNs, SCNs, nor any other type of File Segregation. These strategies, aside from being in a gray area of the law you should avoid involving yourself with, are becoming less and less effective as Lenders become more and more sophisticated in their Risk Mitigation systems. If you are unable to provide your Social Security Card prior to Tradeline(s) being allocated to you, and/or if we detect that you are attempting to add Tradelines to a CPN, SCN, or to any other Credit Profile created through the process of File Segregation using a Social Security # that does not truly belong to you, then you are placing such order at your own risk and hereby understand and agree that should any Tradeline(s) fail to post, such Tradeline(s) will NOT be eligible to be replaced nor refunded under any circumstance, nor for any reason whatsoever.

EXPRESS POSTING SERVICE:
Some of the Tradelines in our Inventory may support our Express Posting Service. This is a PAID and OPTIONAL Service for Clients who want to expedite the process of getting Tradelines to post to the Credit Bureaus. If you purchase this optional Service, you must allow 7 Business Days for the Tradeline to show up on the Credit Bureaus, and we Guarantee the Tradeline will show up on at least 2 of the 3 Credit Bureaus within 7 Business Days of the Date you make your Payment for the Express Posting Service. Should the Tradeline not show up within 7 Business Days, then you may request Store Credit for the Express Posting Service Fee ONLY.

LOWEST-PRICE GUARANTEE:
If you find a very similar Tradeline available somewhere else for a lower price, we will beat that price to win you as a Client. To be eligible, the Tradeline offered somewhere else must be highly similar in Credit Limit and Age, must be published on a Competitor’s website, and must be offered by a Competitor deemed to be legitimate and reliable. As long as we are comparing Apples to Apples, we will beat the Competitor’s Price to win your Business.

100% MONEY-BACK GUARANTEE:
In the event we fail to provide you with a Replacement Tradeline within 30 Calendar Days from the Date the prior Tradeline is identified as having “Failed to Post” correctly to your Credit, then you must submit an Online Support Ticket requesting that the Tradeline be replaced. If we then fail to provide you with a Replacement Tradeline within 7 Calendar Days from the Date your Support Ticket is received, you shall then become eligible for a Cash Refund for the Amount paid for such Tradeline, which shall be issued to you within a maximum of 14 Calendar Days exclusively via the same payment method you originally used to make your payment. If the Tradeline you purchased was part of a Tradeline Package, then we will assign a reasonable value to such Tradeline based on other similar Tradelines available on our Inventory. This Guarantee does NOT apply to Wholesale Broker Packages.

INQUIRY REMOVAL SERVICE:
The Fee for this Service is Non-Refundable. This is clearly disclosed to you on the online order form.

PERSONAL FUNDING PROGRAM & UNSECURED CORPORATE CREDIT CARDS PROGRAM:
Both of these Unsecured Funding Programs are provided by FastUnsecured.com – Please refer to their Refund Policy.

CORPORATE CASH CREDIT PROGRAM:
Corporate Cash Credit Program is provided by CorporateCashCredit.com – Please refer to their Refund Policy.

CREDIT-READY AGED CORPORATIONS:
Credit-Ready Aged Corporations are provided by WholesaleShelfCorporations.com – Please refer to their Refund Policy.

IMPORTANT SECTIONS FROM OUR TERMS OF USE:

CREDIT CARD TRANSACTIONS & CONSEQUENCES OF UNAUTHORIZED DISPUTES/CHARGEBACKS: 
By using your Credit Card, you hereby agree that you will not, under any circumstance, initiate any Dispute/Chargeback with your Card Issuer until you have sequentially completed  the three step process below:

First: Attempt first to settle the dispute by online mediation administered by the American Arbitration Association under its Commercial Mediation Procedures. This can be done here: https://apps.adr.org/webfile/
Second: Submit a claim to be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and judgment on the award rendered by a single arbitrator may be entered in any court having jurisdiction thereof. This can be done here: https://www.adr.org/webfile/faces/home
Third: File a claim against our Surety Bond.

If you initiate a Dispute/Chargeback without sequentially completing the three step process above above, you hereby agree and understand that such action will cause severe damage to our Merchant Processing Relationship and that 200%  of the Full Amount of the Disputed Transaction(s)  will become immediately due and payable to us as Liquidated Damages.  If you then fail to pay the Liquidated Damages owed, your Account will be turned over to Collections and immediately reported to all 3 Personal Credit Bureaus as a Collection Account.

PAYMENTS MADE ON YOUR ACCOUNT USING SOMEONE ELSE’S CREDIT CARD:
If any Payment is made on your Account using a Credit Card that does not belong to you, or where your name is not listed on the front of the Credit Card, then you hereby understand and agree that should such Credit Card Payment result in a Chargeback/Dispute by the Cardholder, for any reason whatsoever, that you understand and agree that you shall be held completely and personally responsible for the resulting Balance Due, including any and all Penalties and/or Collection Costs, and that the Total Balance Due will be reported to all 3 Credit Bureaus against you personally.

CREDIT PULL PROCESS & AUTHORIZATION:
When you place your Tradeline Order, you must use the “Credit Monitoring” Link on the bottom of our website to sign-up for our Approved Credit Monitoring Service that includes a Tri-Merge Credit Report obtained within the last 14 Days so we can make sure your Credit History qualifies you for our Guarantee “E” explained in our Refund Policy which Guarantees that your Credit Scores will increase once the Tradeline is added. To qualify for Guarantee “E”, you must have No Derogatories in last 36 Months, No Open Collections/Past-Due Accounts, and a Credit Card Utilization Ratio under 50% (Percentage of Credit Limits used up on Credit Cards). Further, if you do not provide us with the working Credit Monitoring Login within 24 hours of your Purchase, you hereby permanently waive all of your rights to Guarantee “E’.

This is also the ONLY Credit Monitoring System that will work for aligning addresses in order to get the Credit Bureaus to attach the Tradeline’s Billing Address to your Credit File and thus make the Tradelines successfully post to your Credit Report without putting any hard inquiries on your Credit. Most Tradelines need a separate Tri-Merge to be pulled before they will show up on your Credit, and the Credit Monitoring website will charge your Credit Card $34.95 for each Tri-Merge. For example, if you are purchasing a Package with 4 Tradelines, you may need anywhere from 1 to 4 Tri-Merge(s) pulled via the Credit Monitoring website, so you must account for this additional credit reporting cost.

If we do not receive your Credit Monitoring Login Information before it comes time to align the addresses on your Credit Report, then we will need to do HARD PULL(S) on your Credit using our own Credit Reporting System and your Credit Card will be charged $35 per Tri-Merge Credit Report. You hereby authorize us and/or our Agent(s) to obtain your Personal Credit Report(s) from all 3 Credit Bureaus (Experian, Equifax, and TransUnion) as needed to deliver the products/services purchased, and agree that you will never dispute the Hard Inquiries on your Credit Report(s) resulting from the Credit Pulls done by us and/or our Agents. You further understand and agree that should you ever dispute any of these Inquiries, intentionally or not, disputed by yourself or anyone on your behalf, you will cause large and difficult to measure damages to us, and you hereby agree to pay us $500 in Liquidated Damages per Credit Inquiry disputed, per Bureau. ***DO NOT DISPUTE OUR INQUIRIES***

In the event you notify us that you do NOT want us to pull any Tri-Merge Credit Reports, and are also unwilling or unable to provide a working Credit Monitoring Login where those Tri-Merges can be pulled successfully, then you hereby understand and agree that all Tradelines will be considered COMPLETE and SUCCESSFULLY POSTED and will become ineligible for Replacement, and that you are taking this risk by your own choice.

NON-DISCLOSURE & NON-DISPARAGEMENT:
You agree that all communications with us shall be considered private and confidential information and you shall not under any circumstance disclose, publish, broadcast, or make known in any way shape or form the content of such communications, regardless if the communication is made verbally or in written form, without our express written authorization. In the event we find any unauthorized disclosure(s) resulting directly or indirectly from you, you hereby understand and agree that such disclosures will cause great financial damages to us, the extent of which will be impossible to measure, and you therefore agree to pay liquidated damages in the amount of $5,000 for every incidence of unauthorized disclosure caused directly or indirectly by you. Our Reputation is of utmost importance to us. You hereby agree and warrant and that you will not disparage or comment negatively, directly or indirectly, about our company, our officers and management, and/or current or former employees and/or contractors. Disparagement shall be defined as any disparaging remarks, comments or statements that impugn the character, honesty, integrity, morality or business acumen or abilities in connection with any aspect of the operation our business. In the event we find any disparagement resulting directly or indirectly from you, you hereby understand and agree that such disparagement will cause great financial damages to us, the extent of which will be impossible to measure, and you therefore agree to pay liquidated damages in the amount of $25,000 for every incidence of disparagement caused directly or indirectly by you.

COLLECTIONS:
If you fail or refuse to pay fees due to us when they are due, your account may be turned over for collection and possible litigation, and you hereby agree to pay all reasonable attorneys fees, court costs, filing fees, and collection costs which may be assessed by us, our attorneys, or any collection agency retained to pursue the matter, along with interest at the highest rate allowed by law. WE REPORT COLLECTION ACCOUNTS TO ALL 3 CREDIT BUREAUS.

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