Most tradelines will post within 2-3 weeks of your purchase, but this timeframe can vary depending on when you purchase your tradeline, and when the tradeline is set to report. It is possible to get a tradeline on your report in as little as a week! Bottom line, we guarantee that the tradeline you purchase will post to your account within 30 days of the reporting date (we list the reporting date on every card, for your convenience). If the tradeline does not post within this 30 day time-frame, you will be issued a full refund.
To calculate when a tradeline will post to your account, simply look at the reporting date listed, and assume it will show sometime between 14-30 days after that date. This reporting date is basically just the day when the bank takes all of the information from the previous month and submits it to the credit bureaus, so they can update everybody’s credit reports with new information. This information includes items such as the payments you made, your utilization, new credit cards, and, of course, Authorized Users. The banks do this on the same day each month, and the reporting date can be different for each individual credit card.
Another important thing to note is that we require our clients to purchase tradelines at least 3 days prior to it’s reporting date. This is to ensure that the tradeline makes it onto your report on the upcoming period. If you wait to purchase a tradeline until only a day or two before it reports, you will run the risk of not making it on the upcoming reporting period!