Tradeline – Bank of America $42k limit, July 2024

Description

For sale is me adding you as an authorized user on my own personal card. I will not send you the card. Once I add you to the card and make a purchase, and the statement closes for the month about two weeks later your available credit will go up by the card limit amount, and consequently, your utilization rate will go down (if you did not add to your debt, of course).

Important:
Adding this credit line to your report will not work if you have fraud alerts on your account or a freeze on your account, etc. Also, I suggest clearing up those kinds of issues and also paying at least the minimum in any other credit line you have.

The card:
Network: Amex
Brand: Bank of America Bankamericard Preferred
Limit: $42,000
Utilization: 1%
Opened: July 2024
Closing date: the 4th

The pictures you see are the actual pic of my card where I hid my name and a screenshot of my creditkarma.com account.

What I need from you:
1. Full Name
2. SSN (no CPN)
3. Full address
4. Date of Birth
5. Color Picture of state ID (driving license etc, front and back, phone pictures OK)
6. Color Picture of SS card (front and back, phone pictures OK)
7. Your creditkarma.com login info (it is a free service) so I can check your situation (this will not work if you have fraud alerts or other severe warnings)

Then:
1. I will verify your info with a third-party service
2. If everything checks I will add you to the card
3. I will receive the card, activate it, and use it
4. I will send you a picture of the card with your name on it, hiding the card number.
5. I will pay for the card statement in full on the due date (remember this depends on the closing date posted above)
6. About TWO WEEKS after the next closing date your credit will reflect the new credit line, with the added line your credit utilization will go down and if everything else remains the same (no new late payments, etc) your credit score will go up
7. I will leave your name added for two cycles (two months of the credit card closing statements)
8. I will remove you as an AU (optionally, you can buy a monthly subscription to stay added to the card)

Warranty:
If the credit line does not post to two of the three reporting agencies I will give you a full refund (right now the card is reporting correctly on the three agencies).
CreditKarma only includes reports from Equifax and TransUnion. If TWO WEEKS AFTER the closing date for the month I verify that the card was posted to neither TransUnion nor Equifax then I will give you a refund. If, on the other hand, I verify that the card did not post to ONE of the two then I will ask you to provide the userID and password from an Experian.com account to verify whether the tradeline is present or missing there. If it is also missing in Experian then I will give you a refund.
This “warranty” is common practice in the tradelines industry as even if you do everything right and since there are so many parties involved (you, me, the CC company, and the reporting agency), the process may not work at the end 100% of the time.

If you have further questions please check the FAQ, read the blog posts, or Contact Us.

Thanks for reading and best regards.