WHAT YOU NEED TO KNOW
Before You Order
Get all the important details before purchasing your tradelines.
File Requirements
Before purchasing, remove all credit locks, freezes, and fraud alerts from all three credit reports (Experian, Equifax, and TransUnion). All existing disputes must be closed, and no new disputes may be opened during the tradeline posting window. If present, these conditions may prevent your tradeline from posting.
Order Information
Your order information must match your credit reports at all three bureaus. Inaccurate or inconsistent information may affect where your tradeline posts.
Posting & Duration
Tradelines typically post within the first 3-15 days after their listed closing date.
Most tradelines have a standard 60-day duration (2 reporting cycles), while select accounts offer an extended 90-day duration (3 reporting cycles). * Exact dates may vary based on credit monitoring update frequency.
Payment Options
We offer three convenient methods of payment. Those accept payments are CashAp, Bitcoin (BTC) and for orders exceeding $500, Zelle is also available as a payment option.
PERSONALIZED ORDERING & SUPPORT
Ready to Place Your Order?
Found a tradeline you're interested in? Simply text or email us to get started.
Every order is handlled one-on-one, so our team can personally guide you through the purchase process
Still exploring? Click below to browse our available tradelines. We look forward to assisting you!
ADDITIONAL INFORMATION
ORDER & PAYMENT PROCESS
Want to learn more about our ordering process? Below, you'll find a detailed breakdown of our purchasing requirements, payment procedures, and important policies. Our team will provide you with the applicable order terms before you complete your purchase.
TRADELINE ORDER INFORMATION
ONCE YOU HAVE SELECTED THE TRADELINE(S) YOU WANT TO PURCHASE, YOU WILL NEED TO PROVIDE THE FOLLOWING INFORMATION (AS IT APPEARS ON YOUR CREDIT REPORT):
• FULL NAME:
• SOCIAL SECURITY NUMBER (SSN):
• DATE OF BIRTH (DOB):
• FULL RESIDENTIAL ADDRESS:
• PHONE NUMBER:
• EMAIL ADDRESS:
IMPORTANT ADDITIONAL CONSIDERATIONS:
• IT IS IMPORTANT THAT THE INFORMATION YOU PROVIDE MATCHES WHAT IS LISTED ON ALL THREE REPORTS.
• IF YOUR MIDDLE NAME IS NOT LISTED ON ANY OF THE THREE REPORTS, IT IS BEST TO OMIT IT WHEN SUBMITTING YOUR INFORMATION
IMPORTANT DISCLOSURES:
AFTER YOU HAVE REVIEWED THESE TERMS IN FULL AND COMPLETED THE ORDER ACCEPTANCE PROCESS PROVIDED BELOW, YOU CONFIRM THAT:
✔ALL PROVIDED INFORMATION IS LEGITIMATE, ACCURATE, COMPLETE, AND MATCHES EXACTLY WHAT APPEARS ON ALL THREE BUREAUS CREDIT REPORTS.
✔ THE PROVIDED ADDRESS MUST BE RESIDENTIAL.
✔ YOU DO NOT HAVE ANY ACTIVE DISPUTES, CREDIT FREEZES, FRAUD ALERTS, AS THIS MAY INHIBIT A TRADELINE FROM POSTING
✔ YOU DO NOT HAVE ANY NEGATIVE HISTORY WITH THE BANK ASSOCIATED WITH THE TRADELINE(S) YOU ARE PURCHASING.
✔ YOUR LEXISNEXIS AND SAGESTREAM REPORTS ARE NOT LOCKED.
✔ YOU HAVE A CREDIT FILE OPEN WITH ALL THREE MAJOR CREDIT BUREAUS (EXPERIAN, EQUIFAX, TRANSUNION).
✔ IF YOUR CREDIT FILE IS NEW, YOU CONFIRM YOUR CREDIT PROFILES HAVE A MINIMUM OF ONE HARD INQUIRY LISTED ON ALL THREE CREDIT REPORTS
✔ YOU ACKNOWLEDGE THAT ADDING TRADELINES MAY ALSO ADD AN ADDRESS TO YOUR CREDIT REPORT.
✔ YOU ARE NOT UNDER THE AGE OF 18 OR ARE NOT A MINOR IN THE JURISDICTION IN WHICH YOU RESIDE
NEW OR RECENTLY OPENED CREDIT FILES
NEW OR RECENTLY OPENED CREDIT FILES REQUIRE ADDITIONAL VERIFICATION BEFORE A TRADELINE CAN BE ADDED.
BEFORE PLACING AN ORDER, YOU MUST HAVE AN OPEN CREDIT FILE WITH ALL THREE MAJOR CREDIT BUREAUS — EXPERIAN, TRANSUNION, AND EQUIFAX — AND THE PERSONAL INFORMATION USED FOR YOUR ORDER MUST MATCH EXACTLY ACROSS ALL THREE REPORTS.
BECAUSE NEWER CREDIT FILES WITH NO ACCOUNTS LISTED MAY STILL BE DEVELOPING OR SYNCING ACROSS THE BUREAUS, WE ALSO REQUIRE AT LEAST ONE HARD INQUIRY TO BE POSTED TO EACH OF THE THREE CREDIT REPORTS BEFORE PURCHASE. THIS HELPS CONFIRM THAT YOUR IDENTIFYING INFORMATION HAS BEEN RECOGNIZED ACROSS THE CREDIT REPORTING SYSTEM AND THAT SOMETHING HAS ALREADY SUCCESSFULLY REPORTED TO THE FILE.
THE PURPOSE OF THESE REQUIREMENTS IS TO REDUCE REPORTING ISSUES CAUSED BY INCOMPLETE, NEWLY CREATED, OR INCONSISTENT CREDIT PROFILES.
POSTING TIMELINE & GUARANTEE
TRADELINES TYPICALLY POST WITHIN 3-15 DAYS AFTER THE TRADELINE’S LISTED CLOSING DATE, THOUGH IN RARE CASES, POSTING MAY TAKE UP TO 45 DAYS.
WHILE WE MAKE EVERY EFFORT TO ENSURE SUCCESSFUL POSTING, IF A TRADELINE DOES NOT POST WITHIN THE GUARANTEED TIMEFRAME, YOU MAY BE ELIGIBLE FOR A REFUND OR REPLACEMENT AS OUTLINED IN OUR GUARANTEE POLICY: https://www.tradelinevault.com/our-guarantee
FOR SPECIFICS ON WHAT IS AND IS NOT COVERED UNDER OUR GUARANTEE, PLEASE REVIEW OUR OFFICIAL POLICY HERE: https://tradelinevault.com/our-guarantee#do-and-dont-guarantee
PAYMENT METHODS
WE CURRENTLY ACCEPT THE FOLLOWING PAYMENT METHODS
• CASHAPP
• BITCOIN (BTC)
• ZELLE (FOR PAYMENTS OVER $500)
PAYMENT SHOULD ONLY BE SUBMITTED AFTER YOU HAVE REVIEWED THESE TERMS AND COMPLETED THE ORDER ACCEPTANCE PROCESS PROVIDED BELOW. EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE LAW, ALL SALES ARE FINAL EXCEPT AS PROVIDED UNDER OUR 45-DAY POSTING GUARANTEE.
PRIVACY & SECURITY
YOUR PERSONAL DATA IS STORED SECURELY AND USED SOLELY FOR PROCESSING YOUR TRADELINE ORDER. WE DO NOT SHARE, SELL OR DISTRIBUTE YOUR INFORMATION EXCEPT AS REQUIRED BY LAW.
FOR FURTHER DETAILS, PLEASE READ OUR PRIVACY POLICY.
BY SUBMITTING YOUR INFORMATION, YOU ACKNOWLEDGE THAT YOU ARE PROVIDING ACCURATE INFORMATION AND HAVE READ OUR FULL TERMS.
PROHIBITED USE
WE DO NOT SUPPORT OR CONDONE FRAUD OR ANY FORM OF MISREPRESENTATION
ATTEMPTING TO USE FALSE OR FRAUDULENT INFORMATION MAY VIOLATE FEDERAL LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT (FCRA) AND THE IDENTITY THEFT AND ASSUMPTION DETERRENCE ACT.
BANK, BUREAU & LENDER AWARENESS NOTICE
CREDIT BUREAUS, FINANCIAL INSTITUTIONS, AND ISSUING BANKS OPERATE INDEPENDENTLY AND MAY REVIEW, SUPPRESS, REMOVE, TERMINATE, OR ALTER AUTHORIZED-USER REPORTING BASED ON THEIR OWN POLICIES, REPORTING PRACTICES, OR VERIFICATION PROCEDURES. THESE ACTIONS ARE OUTSIDE OF TRADELINE VAULT’S CONTROL.
ONCE A TRADELINE HAS SUCCESSFULLY POSTED IN ACCORDANCE WITH OUR POSTING GUARANTEE, ANY SUBSEQUENT BUREAU- OR BANK-INITIATED REMOVAL, SUPPRESSION, TERMINATION, OR OTHER REPORTING CHANGE IS NOT GROUNDS FOR A REFUND OR REPLACEMENT, EXCEPT AS OTHERWISE REQUIRED BY LAW.
WE DO NOT GUARANTEE THAT ADDING A TRADELINE WILL INCREASE YOUR CHANCES OF LOAN OR CREDIT APPROVAL, AS EACH LENDER USES ITS OWN UNDERWRITING AND APPROVAL CRITERIA.
GEORGIA RESTRICTIONS
DUE TO GEORGIA LAW, TRADELINEVAULT IS UNABLE TO ACCEPT AUTHORIZED-USER TRADELINE ORDERS FOR CONSUMERS WHO RESIDE IN GEORGIA. THIS RESTRICTION APPLIES REGARDLESS OF WHO PLACES THE ORDER OR THE BILLING OR MAILING ADDRESS USED.
DOCUMENTATION REQUIREMENTS
IF YOU ARE ASKED TO PROVIDE ADDITIONAL DOCUMENTATION (SUCH AS A SOCIAL SECURITY CARD, DRIVER’S LICENSE, OR FULL ACCESS TO CREDIT MONITORING) AND ARE UNABLE OR UNWILLING TO DO SO, YOUR TRADELINE IS NO LONGER GUARANTEED, AND REFUNDS WILL NOT BE PROVIDED.
TO MOVE FORWARD, PLEASE INCLUDE THE FOLLOWING IN YOUR RESPONSE:
THIS CONCLUDES OUR TERMS. IF YOU CHOOSE TO PROCEED WITH AN ORDER, YOU WILL BE ASKED TO REPLY WITH THE WORD “CONFIRM.” BY REPLYING “CONFIRM,” YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED, READ, UNDERSTAND, AND AGREE TO THESE TERMS AND CONDITIONS, AND YOU INTENTIONALLY ADOPT YOUR “CONFIRM” RESPONSE AS YOUR ELECTRONIC SIGNATURE FOR THIS TRANSACTION.
YOUR “CONFIRM” RESPONSE, TOGETHER WITH THE DATE/TIME AND ASSOCIATED EMAIL ADDRESS OR TELEPHONE NUMBER, WILL BE RETAINED AS PART OF THE TRANSACTION RECORD.