What might cause a tradeline to not report to my credit?
The most common reason that an account doesn’t show on a credit report is a fraud alert or hold. Credit bureaus offer a service that will place a lock on your credit report so that nothing new can show up. This service can be requested by you the consumer, or if you or another agent have been working on your credit and they begin to see a lot of disputes come across on your report, the bureau can put the fraud alert on your report without notifying you. When we confirm your tradeline order, we will send you the best phone numbers to speak with a live person (not a frustrating automated line) who can confirm that you don’t have any fraud holds. If you do, in most cases it can be removed in 2 minutes on the same phone call. Having a fraud hold is not a big deal and won’t prevent us from getting your order started, but you will want to make sure that you have it removed within a week or two after signing up with us until you see the line on your report.
Other more rare factors that can delay your order are things like clerical errors, either on the credit card company or the bureau’s end. Also, when you fill out your order form, you want to make sure you carefully double check all the information, having a mis-spelling in your name or a number off on your Social Security Number can make it so that the line never posts, and while we will always replace it regardless of if it was your error, it will of course cause additional delay that can push your timeline outside of your original goals.