General Information Only
The information and services provided by Tradeline King (operating at tradelineking.store) are for general informational and educational purposes only. Nothing on this website constitutes legal, financial, investment, accounting, or tax advice. You should consult a licensed professional before making any financial decision.
No Guarantees
Tradeline King makes no representation or warranty — express or implied — that any authorized-user tradeline you purchase will result in a specific credit score increase, approval for credit, funding, lending, or any other outcome. Results vary from person to person based on numerous factors including, but not limited to, the existing contents of your credit file, your utilization, account mix, recent inquiries, derogatory marks, and the policies of the reporting bureaus and issuers.
Not a Credit Repair Organization
Tradeline King is not a credit repair organization, credit counseling agency, credit reporting agency, debt collector, law firm, bank, or licensed financial advisor. We do not provide credit repair services as defined by the Credit Repair Organizations Act (CROA), and we do not modify, remove, alter, or otherwise interact directly with information on your consumer credit reports. We do not offer credit, lend money, or extend credit lines.
What We Actually Provide
Tradeline King operates a marketplace that facilitates the addition of customers as authorized users on third-party primary cardholders' credit card accounts. Adding authorized users is a feature offered by every major United States credit card issuer and is legal in all 50 states. The decision of whether — and how — that authorized-user information appears on your consumer credit file is made solely by the card issuer and the credit reporting bureaus, not by Tradeline King.
Reporting Windows & Timing
Statement closing dates and reporting windows shown in our inventory reflect the cardholder's typical historical reporting pattern. Tradeline King does not control the timing or content of bureau reporting, which can be affected by issuer policy changes, system outages, fraud holds, account closure, or other events outside our control. Our "2× longer reporting than competitors" guarantee refers to our internal policy of holding each authorized user on a tradeline for a minimum of two full statement cycles, not a guarantee of any specific bureau-level reporting outcome.
No Affiliation with Issuers
All bank, issuer, and product names — including but not limited to American Express, Chase, Citi, Capital One, Discover, Navy Federal, Barclays, Wells Fargo, US Bank, and Synchrony — are trademarks of their respective owners. Tradeline King is not affiliated with, endorsed by, or sponsored by any of these institutions. References to issuer brands are descriptive only.
Customer Information & Use
The personal information you provide at checkout (legal name, date of birth, last 4 of SSN, mailing address, phone, email) is used solely to add you as an authorized user on the tradeline(s) you purchase. We do not sell, rent, share, or otherwise disclose your data to third parties for marketing purposes. We never request your full Social Security number, online banking credentials, or account PINs — anyone claiming to represent Tradeline King and asking for those items is not us.
Non-Posting Policy
A tradeline is considered "non-posting" when it does not appear on at least one of your three major consumer credit reports (Equifax, Experian, TransUnion) following the agreed-upon statement closing date.
Customer Prerequisites — All Freezes & Alerts MUST Be Disabled
Before submitting a non-posting claim, you must confirm and certify that, at the time the tradeline was scheduled to report:
- All credit freezes on Equifax, Experian, and TransUnion were lifted (temporarily or permanently);
- All active fraud alerts and credit locks on your file were removed;
- You followed all posting instructions provided to you at checkout and in any follow-up email from Tradeline King;
- The personal information you provided at checkout was accurate and matches the file the bureaus have on record (legal name, date of birth, last 4 of SSN, address on file);
- No identity-theft hold, mixed file, or security freeze placed by a creditor was active.
Tradeline King is not responsible for non-posting that results from any of the above customer-side conditions. It is the customer's sole responsibility to remove all freezes, locks, and fraud alerts before the agreed reporting window.
Proof Window — 7 to 10 Days After the Statement Date
Non-posting claims must be submitted to support@tradelineking.store within 7 to 10 days after the statement closing date of the tradeline in question.
Proof of non-posting is required. Customer must provide Tradeline King with read-only access to an active credit monitoring account (e.g., IdentityIQ, MyFICO, Experian.com, Equifax direct, TransUnion direct, or a 1B/3B credit-monitoring service that pulls live bureau data) so that we may independently verify the absence of the tradeline on all three bureau reports as of the date of the claim. A current full 3-bureau credit report dated after the statement closing date is also acceptable in lieu of monitoring access.
Not accepted: screenshots without bureau headers, score-only reports (e.g., Credit Karma's score view), reports from non-bureau aggregators, partial reports, summary statements, or any documentation dated before the statement closing date.
Claims submitted outside the 7–10 day window, without the required proof, or without granting credit monitoring access for verification, will be denied.
Our Remedy — Right to Cure / Replacement With a Comparable Line
Tradeline King reserves the express right to cure any non-posting through replacement. Where a non-posting claim is submitted timely, supported by acceptable proof, and where no customer-side condition (above) caused the non-posting, Tradeline King's sole and exclusive remedy is to replace the non-posting tradeline with a comparable tradeline — of equal or greater credit limit and age, drawn from current available inventory — at no additional cost to the customer.
"Comparable" is determined by Tradeline King in good faith based on credit limit, age, issuer category, and reporting bureau coverage. A replacement does not need to be from the same issuer to be considered comparable.
Where a comparable replacement is not available within 30 days of an approved non-posting claim, Tradeline King may, at its sole discretion, issue a refund for the purchase price of the non-posting line. Cash refunds are not the default remedy and are issued only when replacement is impracticable. All other items in the same order remain in force and are not affected. No partial refunds, score-impact damages, opportunity-cost damages, or consequential damages of any kind are payable under any circumstance.
No refunds for posted tradelines. Once a tradeline appears on any one of your three bureau reports, the sale is final. Disputes, score outcomes, removal by the cardholder for cause, or subsequent changes in bureau reporting do not entitle the customer to a refund.
Limitation of Liability
To the maximum extent permitted by law, Tradeline King, its owners, employees, contractors, and affiliated brands (including, but not limited to, DisputeKing.AI) shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from the use of this website or any tradeline purchased through it. Your sole remedy is limited to the refund terms described above.
Acceptance
By using tradelineking.store, registering an account, or completing a purchase, you acknowledge that you have read, understood, and agree to be bound by this disclaimer in its entirety.
Contact
Questions about this disclaimer? Email support@tradelineking.store.