Guarantees

If your tradeline doesn't post to two credit bureaus by the end of its Reporting Period, you choose what happens next: a full refund of your fee, or an exchange for another tradeline. The only condition on your side is that you haven't asked to be taken off that tradeline.

To claim, email us proof within 21 days after the Reporting Period ends. We confirm it within 3 business days and send your refund or set up your exchange within 4 business days after that. Refunds usually reach you within 15 business days. In a few situations, set out in the agreement, we may offer a refund only.

Some things can stop a tradeline posting that we can't control: a credit freeze or fraud alert, recent credit sweeps, a past late payment, collection or charge-off with the same bank, or personal details that don't match what the bureaus hold. If one of those is the cause, the guarantee doesn't apply.

We do not, however, guarantee any specific credit score outcome. We make no claims about score improvement or the removal of any item from your credit report, and your rating may in fact decline.

See Non-Posting Reports for exactly how to submit a claim, and the Tradeline User Agreement for the full terms.