Reporting Cycles Explained: When Your Tradeline Posts

Every listing has two dates. You'll see the Reporting Period in the catalog. The other is our purchase deadline, the last day we can add you; once it passes, the listing comes off. Both exist because card issuers don't report continuously. They send an update to the bureaus once per billing cycle, around the statement date.

This is the last day we can accept an order and still add you before the issuer's next statement. Order after it and you've missed that cycle, which is why expired listings come off the catalog automatically.

This is the range of days in which the issuer is expected to report. Bureaus then take a little time to update your file, so allow a few days after the window closes before you check.

The standard term is two billing cycles, so you should see two consecutive postings. If you want the account to keep reporting after that, you can ask for an extension before the second cycle closes; it depends on the sponsor agreeing and the cost varies by tradeline. Otherwise you're removed at the end of the second cycle.

If the tradeline doesn't post to two credit bureaus by the end of its Reporting Period, you choose a full refund or an exchange, under our written guarantee.