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Refund Policy

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

If for some unknown reason your Tradeline fails to post to only 1 or 2 of the 3 Credit Bureaus, then you may request a Pro-Rated Store Credit (NOT a Cash Refund nor Tradeline Replacement) as follows: Failed to Post to 1 Credit Bureau: 33% Pro-Rated Store Credit. Failed to Post to 2 Credit Bureaus: 66% Pro-Rated Store Credit.

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.

DUE TO REPORTING POLICIES THAT VARY AMONG CREDIT CARD COMPANIES, WE CANNOT GUARANTEE THAT TRADELINES WILL SHOW AS OPEN WHEN YOU CHECK YOUR CREDIT. THERE ARE NO REFUNDS NOR REPLACEMENTS FOR ACCOUNTS SHOWING AS CLOSED OR TERMINATED BECAUSE THEY STILL HAVE A DRAMATICALLY POSITIVE EFFECT ON YOUR CREDIT SCORES AND CREDIT HISTORY.

TIME PERIOD CALCULATION FOR TRADELINE(S) SHOWING AS “OPEN”:
The 30-Day Time Period during which a Tradeline will show as “Open” on your Credit Report starts counting from the Statement Date of the Credit Card you are being added to as an Authorized User, and NOT from the Reporting Date. The reason for this is because the Reporting Date is calculated as 10 Days AFTER the Statement Date of the Credit Card, in order to allow enough time for the Tradeline to be reported to the Credit Bureaus. So, if your Reporting Date is the 11th of the Month, then your Statement Date is the 1st of the Month, and the Tradeline will show as “Open” on your Credit Report from the 1st of the Month to the 31st of the Month. Therefore, please do not count 30-Days from the Reporting Date, as that would be an incorrect calculation.

30-DAY POSTING LIMITATIONS AS A RESULT OF JULY 2017 CREDIT BUREAU REPORTING CHANGES:
As of July 2017, Experian is the only one of the 3 Credit Bureaus that is reliably reporting Tradelines on 30-Day Postings. Equifax and TransUnion are no longer posting as reliably on 30-Postings. For this reason, as of August 1st 2017 we are only guaranteeing that Tradelines will post to ONE Credit Bureau on the 30-Day Posting Option. If this is a concern for you, then we recommend you purchase the 60-Day Posting option which still carries the full 3-Bureau Posting Guarantee.

THIS CHANGE AT THE CREDIT BUREAU LEVEL IS AFFECTING **ALL** TRADELINE PROVIDERS, AND NOT JUST TOPTRADELINES.

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:
All Clients (Except Clients purchasing CPN Friendly Tradelines or Packages) should provide a copy of their Social Security Card Front and Back to verify their Social Security # is valid. If you are unable to provide your Social Security Card prior to Tradeline(s) being allocated to you, we will still work with you, however, Guarantee D above will only apply to 1 of the 3 Credit Bureaus and you will need to make your Payment via Counter Deposit or Wire Transfer ONLY. Neither Credit Cards, Paypal, nor eChecks are accepted for Unverified Social Security Numbers.

CPN POLICY:
We accept VPNS with a valid Credit Monitoring Account and recommend using http://NoInquiry.procredit.com. For CPNs, Guarantee D above will only apply to 1 of the 3 Credit Bureaus and you will need to make your Payment via Counter Deposit or Wire Transfer ONLY. Neither Credit Cards, Paypal, nor eChecks are accepted for CPNs.

IMPORTANT DISCLOSURES:
By using your Credit Card or Bank Account, via PayPal or otherwise, you hereby agree that you will not, under any circumstance, initiate any Dispute/Chargeback with your Card Issuer or Bank 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 and/or Surety Bond Claim without sequentially completing the three step process above, you hereby agree and understand that such action will cause severe damage to our Merchant Processing Relationship and/or Surety Bonding 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 within 14 Calendar Days, your Account will be turned over to Collections and immediately reported to all 3 Credit Bureaus as a Collection Account.

If you finance part of the purchase price, there is a $20 NSF Fee per failed Bank Account Debit. Failed Debits will be automatically added to your Balance together with NSF Fees, which will result in an automatic re-calculation of your Debit Amounts. Should your Account go past-due for more than 30 Days, then the full amount due will be sent to Collections on all 3 Credit Bureaus.

Work on your File will start once we receive your Driver’s License, Social Security Card (Except for CPN Friendly Tradelines/Packages), Utility Bill, and Credit Monitoring Login. Please email these items to Support@TopTradelines.com. You understand that there shall be no Refunds nor Partial Credits due to your delay in providing these items.

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