Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 92691 times)

kudy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #200 on: January 07, 2017, 10:37:52 AM »
Typically 3-4 days. The email I got yesterday (Thurs in the States) said to add by Monday.

I've had longer, can't remember if I had shorter, as I almost always do it right away. But that's the typical range, I believe.

Thanks everyone for the info on lead times.

Another quick question on the new company - their FAQ says that if you can't add an AU's SSN online, then you need to call to add it. The old company directed me to not worry about the SSN for Barclay (after the SSN option was removed from the online add), as long as I included their address. ARS & others, are you calling in to add the SSN for Barclay card adds after adding them online with the new company?

Joel

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #201 on: January 07, 2017, 12:57:12 PM »
Well, I submitted my application today. We will see when I get my first sale. I've only got two cards I'm willing to test this out with. There's two cards in my wife's names I would be willing to use as well, but she's not ready.

westtoeast

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #202 on: January 07, 2017, 02:28:51 PM »
Posting to follow-- I'm close to having had one of my eligible cards long enough to qualify and will hopefully do this soon.

FrugalSaver

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #203 on: January 07, 2017, 02:33:39 PM »
The last response I received was on 1/4 saying they'd received my bank account info. I've had no responses to any of my follow ups since so I assume I'm signed up and good to go and will patiently wait. If you call them, you'll typically go to a voicemail that's full so it's clear they are very busy.

I'm chomping at the bit to see how this goes so hopefully I'm fully enabled in their queue :)

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #204 on: January 07, 2017, 04:38:53 PM »
I need to call Citi and ask for a credit line increase. I have an old Forward card with them that had a $7000 credit limit. I asked for an increase on the web page and they bumped me to $8900. Obviously, I want to get it above $10,000 to use for this, but I've never called and asked for an increase before.

Are there any questions I should be prepared for, such as why I want a further increase?

Nah.  AUs shouldn't have anything to do with limit increase, obviously.  They'll just want you to repeat the same info you put in online (annual income, length of employment, your address, etc.).

Just call and let them know the credit increase you got online wasn't what you were looking for, and ask if they can bump it.  Good luck, let us know how it turns out!  :)



Typically 3-4 days. The email I got yesterday (Thurs in the States) said to add by Monday.

I've had longer, can't remember if I had shorter, as I almost always do it right away. But that's the typical range, I believe.

Thanks everyone for the info on lead times.

Another quick question on the new company - their FAQ says that if you can't add an AU's SSN online, then you need to call to add it. The old company directed me to not worry about the SSN for Barclay (after the SSN option was removed from the online add), as long as I included their address. ARS & others, are you calling in to add the SSN for Barclay card adds after adding them online with the new company?

I do indeed do my Barclays online, with the address, though the company asks you to call in and add SSNs, I have not had an issue doing it that way so far.  The paranoid wanting to make sure they get the money should add the SSN to make SURE it reports.  I call it "good enough."  YMMV, and keep in mind it would be a bummer to lose $200 or whatever cause you didn't want to make a 5 minute phone call, so probably better to listen to the company than me.  Just confirming that's what I do.  :)
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TomTX

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #205 on: January 07, 2017, 06:23:11 PM »
CreditKarma and Mint just give an estimate, but some of my CCs claim to give an actual FICO (Barclays).

From an email I got earlier today:
Quote
There's been a change in your FICO® Score, "the score lenders use". To view your updated credit score at no cost, please visit www.BarclaycardUS.com/servicing/score, log in to your credit card account, and select "Tools". This Alert and complimentary online credit score access are available to you as a Barclaycard Arrival™ World MasterCard® Cardmember

I don't think they could use FICO (and the registered trademark) unless it actually IS the FICO score.  I could be wrong, but I think many are estimates, like you guys are saying, but some actually are FICO scores.

Sure, but even within FICO there are 4 different generations of scoring methodology current active, and each of the credit bureaus has a slightly different data set - potentially giving you 12 different "FICO" numbers.

When we got our last mortgage, the one the banker hard pulled was an 816 - highest she had ever seen, apparently. That was awhile ago, I have a considerably longer history now.

As a followup, I activated the Fico check on my BoA card, it claims to be an actual FICO 8 calculation with the registered trademark any everything, using TransUnion for the report. Tied with Discover at 844/850

RedwoodDreams

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #206 on: January 07, 2017, 10:00:31 PM »
I need to call Citi and ask for a credit line increase. I have an old Forward card with them that had a $7000 credit limit. I asked for an increase on the web page and they bumped me to $8900. Obviously, I want to get it above $10,000 to use for this, but I've never called and asked for an increase before.

Are there any questions I should be prepared for, such as why I want a further increase?

Nah.  AUs shouldn't have anything to do with limit increase, obviously.  They'll just want you to repeat the same info you put in online (annual income, length of employment, your address, etc.).

Just call and let them know the credit increase you got online wasn't what you were looking for, and ask if they can bump it.  Good luck, let us know how it turns out!  :)



Typically 3-4 days. The email I got yesterday (Thurs in the States) said to add by Monday.

I've had longer, can't remember if I had shorter, as I almost always do it right away. But that's the typical range, I believe.

Thanks everyone for the info on lead times.

Another quick question on the new company - their FAQ says that if you can't add an AU's SSN online, then you need to call to add it. The old company directed me to not worry about the SSN for Barclay (after the SSN option was removed from the online add), as long as I included their address. ARS & others, are you calling in to add the SSN for Barclay card adds after adding them online with the new company?

I do indeed do my Barclays online, with the address, though the company asks you to call in and add SSNs, I have not had an issue doing it that way so far.  The paranoid wanting to make sure they get the money should add the SSN to make SURE it reports.  I call it "good enough."  YMMV, and keep in mind it would be a bummer to lose $200 or whatever cause you didn't want to make a 5 minute phone call, so probably better to listen to the company than me.  Just confirming that's what I do.  :)


Just to add my experiences with Barclays adds with the old co.: I got a total of 4 sales last year, but only 2 of them posted correctly. I didn't call to add the SS, but I will for any future orders, in case that helps things post correctly. It's so very sad not to receive that payment when you're expecting it.

Wandles

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #207 on: January 10, 2017, 11:08:13 AM »
I was able to get signed up with the "new recommendation" last week and had 2 sales on my USAA card in less than a week! I plan to post my experience for others as I go along.  So far the company has been very easy to work with and quick to respond.  USAA requires you to add AU's over the phone which is less awkward than I anticipated.

runewell

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #208 on: January 10, 2017, 11:17:03 AM »
I signed up with them with one card that is 2 years old and 10,000+ credit limit immediately after the new year and I haven't heard a peep out of them yet!
« Last Edit: January 10, 2017, 11:22:37 AM by runewell »

ZagNation

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #209 on: January 10, 2017, 11:26:21 AM »
I signed up with them with one card that is 2 years old and 10,000+ credit limit and I haven't heard a peep out of them yet!
I emailed all of my enrollment materials on two cards, Discover (24.5K limit @ 2yrs) and Citi (13.2K limit @ 6yrs), last Friday and although I am a tad bit anxious/worried about not receiving at least a confirmation response I shall give them the benefit of the doubt. However if I do not receive a response by the end of this week I will send a follow up email to request a status update. I suppose the increased MMM traffic is pushing them to their limits, at least that's the reason I keep telling myself ;).

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #210 on: January 10, 2017, 03:15:04 PM »
I was able to get signed up with the "new recommendation" last week and had 2 sales on my USAA card in less than a week! I plan to post my experience for others as I go along.  So far the company has been very easy to work with and quick to respond.  USAA requires you to add AU's over the phone which is less awkward than I anticipated.

Nice!  Thanks for sharing your experience.

Those of you waiting, I believe they're saying the average time right now from sign up to first tradeline sale will typically be 2-3 weeks (longer if your card is < 20k, 5 yrs+, shorter if it's higher than those), and that's average--so some will be much quicker (as above), some will take longer.

Also closing date plays a factor, as you'll typically see sales right before your closing date, so if your closing date is the 30th, you'll have a few weeks to wait--if it's the 8th, you already missed that window.  Even if your card was enrolled at that time, then hopefully you'll see one next statement.

@Wandles: Can you confirm the above?  What is the age/limit range of your card, if you don't mind sharing? (And I'm assuming the closing date is soon?)
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TomTX

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #211 on: January 10, 2017, 06:21:29 PM »
Two of mine have payment dates of today and tomorrow, probably missed on those. Still hope for the one on the 16th, it is >$20k, >10years old.

EverCurious

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #212 on: January 10, 2017, 07:21:28 PM »
This sounds pretty awesome! Now I will have to go get a credit card lol

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #213 on: January 10, 2017, 10:54:11 PM »
I signed up with them with one card that is 2 years old and 10,000+ credit limit and I haven't heard a peep out of them yet!
I emailed all of my enrollment materials on two cards, Discover (24.5K limit @ 2yrs) and Citi (13.2K limit @ 6yrs), last Friday and although I am a tad bit anxious/worried about not receiving at least a confirmation response I shall give them the benefit of the doubt. However if I do not receive a response by the end of this week I will send a follow up email to request a status update. I suppose the increased MMM traffic is pushing them to their limits, at least that's the reason I keep telling myself ;).
Small update. I grew antsy and sent a follow up email asking for a status update and to my surprise, less than a couple hours later I received a response! Both of my cards have been added to their system and I was given a 3-4 week eta on when I can anticipate a sale. When that occurs I will be sure to inform you all! Oh by the way, it was confirmed that several hundred MMM cardholders have signed up recently so their resources have been stretched a bit thin lately.

FrugalSaver

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #214 on: January 10, 2017, 11:13:05 PM »
I talked with them today as well and they are simply super busy with all the business and this being their busy time of year. We should all be patient.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #215 on: January 11, 2017, 05:53:26 AM »
I was able to get signed up with the "new recommendation" last week and had 2 sales on my USAA card in less than a week! I plan to post my experience for others as I go along.  So far the company has been very easy to work with and quick to respond.  USAA requires you to add AU's over the phone which is less awkward than I anticipated.

I am right there with you. Got two sales on my USAA card right away as well (right before closing date). I felt like USAA asked a few more questions than I was prepared to answer. Although I was still able to add both AUs without hesitation. Funny story, both cards showed up at my address and my kids were confused asking who the person was on the envelope with weird names and our address.

For those waiting you just have to be patient. As ARS stated, I am sure much of this depends on closing dates and the fact that they are super busy.
« Last Edit: January 11, 2017, 07:18:58 AM by BeginnerStache »

frozen

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #216 on: January 11, 2017, 06:15:43 AM »

Funny story, both cars showed up at my address and my kids were confused asking who the person was on the envelope with weird names and our address.

This is something that bugs me. These companies are supposed to send AU cards to you using your name and address, not the AU's name.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #217 on: January 11, 2017, 06:23:58 AM »

Funny story, both cars showed up at my address and my kids were confused asking who the person was on the envelope with weird names and our address.

This is something that bugs me. These companies are supposed to send AU cards to you using your name and address, not the AU's name.

Odd. I've never had that happen, they always have our name on the envelope, out of dozens and dozens of tradeline sales.

Maybe it's provider dependent?  For example, I don't have any USAA.
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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #218 on: January 11, 2017, 07:07:49 AM »

Funny story, both cars showed up at my address and my kids were confused asking who the person was on the envelope with weird names and our address.

This is something that bugs me. These companies are supposed to send AU cards to you using your name and address, not the AU's name.

Odd. I've never had that happen, they always have our name on the envelope, out of dozens and dozens of tradeline sales.

Maybe it's provider dependent?  For example, I don't have any USAA.

USAA always sends the AU cards to me at my address but with the AU's name.  I thought Chase did the same, but I can't remember for sure.  Anyway, either pattern would make sense to me.  Shrug.
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arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #219 on: January 11, 2017, 07:16:28 AM »
Can't recall Chase either, cause I've only done a few sales with them, but I believe Barclay, B of A, Discover, and Citi always had our names on it.

I'll start paying attention, and maybe others will report in.
« Last Edit: January 11, 2017, 07:21:49 AM by arebelspy »
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

BeginnerStache

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #220 on: January 11, 2017, 07:21:25 AM »

Funny story, both cars showed up at my address and my kids were confused asking who the person was on the envelope with weird names and our address.

This is something that bugs me. These companies are supposed to send AU cards to you using your name and address, not the AU's name.

Odd. I've never had that happen, they always have our name on the envelope, out of dozens and dozens of tradeline sales.

Maybe it's provider dependent?  For example, I don't have any USAA.

USAA always sends the AU cards to me at my address but with the AU's name.  I thought Chase did the same, but I can't remember for sure.  Anyway, either pattern would make sense to me.  Shrug.

Yeah I didn't really think much of it. I suppose I could request USAA put my name on the envelope so there is no confusion. Not a big deal for me though.

d4future

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #221 on: January 11, 2017, 07:39:39 AM »
Barclays shows AUs name, can confirm.

sw1tch

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #222 on: January 11, 2017, 07:52:53 AM »
Posting as I will be starting next month as the first card that I'm going to use passes the 2 year mark.

Great info all around here!
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kudy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #223 on: January 11, 2017, 10:25:58 AM »
I also get quite a few cards in the mail with the AU's name as the recipient. My mail carrier wrote "??" on the first few, but I guess has given up trying to figure out who lives at my house and who doesn't.

step-in-time

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #224 on: January 11, 2017, 10:50:51 AM »
Has anyone received a quote for $40k+ credit limit age 12-24 mos?

Wondering if that's better than three $20k cards. Apparently Chase let's you transfer credit limit among cards, and I have $60k limit overall with them.

Apologies in advance if this was asked earlier (search is not working for me). Thanks!
« Last Edit: January 11, 2017, 10:53:29 AM by step-in-time »

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #225 on: January 11, 2017, 11:51:07 AM »
Those of you waiting, I believe they're saying the average time right now from sign up to first tradeline sale will typically be 2-3 weeks (longer if your card is < 20k, 5 yrs+, shorter if it's higher than those), and that's average--so some will be much quicker (as above), some will take longer.

Also closing date plays a factor, as you'll typically see sales right before your closing date, so if your closing date is the 30th, you'll have a few weeks to wait--if it's the 8th, you already missed that window.  Even if your card was enrolled at that time, then hopefully you'll see one next statement.

@Wandles: Can you confirm the above?  What is the age/limit range of your card, if you don't mind sharing? (And I'm assuming the closing date is soon?)

My card closed on the 9th and my sales were on the 8th and 9th so they were last minute sales.  It is an older card (~10 years) and has a $25k limit so I'm not sure if that got me worked through the system faster.  At the same time as the USAA card I signed up a Citi card that is 2 years old, ~$11k limit, same closing date and no word on that one. 

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #226 on: January 11, 2017, 11:58:44 AM »
Can't recall Chase either, cause I've only done a few sales with them, but I believe Barclay, B of A, Discover, and Citi always had our names on it.

I'll start paying attention, and maybe others will report in.

Citi and Cap One put the AUs name on there. Not that it concerns me, however.

erutio

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #227 on: January 11, 2017, 12:02:26 PM »
Has anyone tried using USBank cards before?  They seem to be the one CC company that doesn't let you add AUs online, you have to fill out a form and mail/fax it back.  Seems to be more of a hassle than other cards.  Has anyone been able to do it otherwise?

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #228 on: January 11, 2017, 12:08:01 PM »
Just got my first add.  Barclays card just over 2 years old, $27500 limit, closing date is 15th of the month.  No nibbles on my other cards yet.
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arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #229 on: January 11, 2017, 12:10:40 PM »
Can't recall Chase either, cause I've only done a few sales with them, but I believe Barclay, B of A, Discover, and Citi always had our names on it.

I'll start paying attention, and maybe others will report in.

Barclays shows AUs name, can confirm.

Citi and Cap One put the AUs name on there. Not that it concerns me, however.

Okay, what the heck.

Barclays puts my name on the envelope (the AU name is obviously on the CARD, but not visible without opening the envelope).  This isn't me misremembering, as I use a mail scanning service--travelingmailbox.com and just went and LOOKED at the most recent AU cards I got.

I just went and dug up a Barclays one, and a B of A one, and a Discover one, and all three are generic from the outside with our name, nothing about the AU.

I wish they put the AU names on it, as it would make it easier to just shred without even having them open it.

It's possible the company is sending back mail not addressed to me or my wife (actually, as I type this, I realize that's very likely--we had to sign a form for the post office that they could open mail addressed to us, so they may be sending back mail not addressed to us.  That may throw up red flags with the CC companies... hmm, will have to think about this), and I don't track receiving the cards or not, so that could totally be happening, but I'm definitely receiving ones that don't have any AU info.  Weird.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
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.22guy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #230 on: January 11, 2017, 12:12:19 PM »
Barclays definitely sends the AU cards to my address with the AU name on the letter. On all 3 of my orders with the "old" company anyways.

TomTX

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #231 on: January 11, 2017, 12:13:09 PM »
US Bank is a call to add or remove an AU. I have added 4 and removed 2 so far (so, halfway through the 2nd cycle) Single add or remove per call. I make sure i can confidently pronounce the name, and do a quick Google on any unusual name so that I can chat with the rep as needed. "Actually no, Ivan isn't Russian, his family name is Armenian"

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #232 on: January 11, 2017, 12:16:17 PM »
Barclays definitely sends the AU cards to my address with the AU name on the letter. On all 3 of my orders with the "old" company anyways.

This is SO WEIRD.  What is different about me?  Are the cards bouncing back to Barclays, then they're resending them with my name on the envelope or something?

I just attached a picture of a recent AU card from Barclays (I blacked out the info, but it was my name/address, not an AU).  Do your envelopes look like that/have the same Barclay return address?  (The giant bar code is from the scanning company, cuts off the return address, sorry about that).
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arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #233 on: January 11, 2017, 12:19:54 PM »
Just got my first add.  Barclays card just over 2 years old, $27500 limit, closing date is 15th of the month.  No nibbles on my other cards yet.

Cool, thanks for the data point!

Seems a few people have gotten sales now, I'm glad to hear it.

The process is clunkier (versus the slick portal--like I said, the technology is the big disadvantage to the new one), but hey, you made a bit more on that sale than you would have with the old company (with their new schedule), so worth putting up with, IMO.  It'll add up.  :)

US Bank is a call to add or remove an AU. I have added 4 and removed 2 so far (so, halfway through the 2nd cycle) Single add or remove per call. I make sure i can confidently pronounce the name, and do a quick Google on any unusual name so that I can chat with the rep as needed. "Actually no, Ivan isn't Russian, his family name is Armenian"

LOL.  Awesome.  I just say it outloud once, twice if necessary before the call, then stumble my way through it.  But I only call to remove (and only with B of A, all my adds are online, and most my removals--Discover, Barclays, etc.).
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
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katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #234 on: January 11, 2017, 01:03:56 PM »
Barclays definitely sends the AU cards to my address with the AU name on the letter. On all 3 of my orders with the "old" company anyways.

This is SO WEIRD.  What is different about me?  Are the cards bouncing back to Barclays, then they're resending them with my name on the envelope or something?

I just attached a picture of a recent AU card from Barclays (I blacked out the info, but it was my name/address, not an AU).  Do your envelopes look like that/have the same Barclay return address?  (The giant bar code is from the scanning company, cuts off the return address, sorry about that).

Your mail provider is probably sending them back.  That happened to me with a PO Box a while back.  No negative result from CC company.

They never re-send them to me however.  Are you sure you are actually receiving them all?

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #235 on: January 11, 2017, 01:08:29 PM »
They never re-send them to me however.  Are you sure you are actually receiving them all?

Yeah, I typically have them opened before shredding (though sometimes I can tell from the look of the envelope, and just shred right away).  Definitely receiving cards with AU names on them, just the envelopes have our names.  Really weird to me that it's different for you guys.  But thanks for everyone reporting that, good to know.   :)
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
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Gimesalot

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #236 on: January 11, 2017, 02:04:55 PM »
Thought I would add my update to the thread...

I sent the paperwork in on Dec 29th for two credit cards that are both under $10k and 6 years old. 

I just received two sales for the one that closes first.

All in all, I have spent about 30 minutes between PMing ARS for info, filling out the paperwork, and adding the AUs for a return of $150.  Adding each AU online took about 1 minute. 


charuhans

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #237 on: January 11, 2017, 02:29:47 PM »
Send 3 cards and got confirmation that it would be 2-4 weeks till something comes up on 01/04. All cards between $10,000 & 19,000 and between 6 and 10 years old.

.22guy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #238 on: January 11, 2017, 04:07:54 PM »
Barclays definitely sends the AU cards to my address with the AU name on the letter. On all 3 of my orders with the "old" company anyways.

This is SO WEIRD.  What is different about me?  Are the cards bouncing back to Barclays, then they're resending them with my name on the envelope or something?

I just attached a picture of a recent AU card from Barclays (I blacked out the info, but it was my name/address, not an AU).  Do your envelopes look like that/have the same Barclay return address?  (The giant bar code is from the scanning company, cuts off the return address, sorry about that).


Yes, looks exactly the same. Definitely has the AU name on it and I know the others did too because my son commented on it, asking who the people were (he is in charge of getting our mail).

PennySaved75

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #239 on: January 11, 2017, 06:04:47 PM »
I signed up on Dec 30 with the new company and got my first request to add n AU today (Jan 11).  For a Capital One card.  The online AU process asked for the name, SS, DOB and a phone number. I thought they were requesting a phone number for the AU and I could go no further without providing a number.  I contacted the new company about this and was told to use my own phone number, which I did and it looks like the AU got added OK and I should be getting a card in the mail soon.  This was for a 3 year old Cap One card with a $15K limit.

The tips from this thread I have been copying down say I will have to remove a Cap One AU by calling and I have no idea how to pronounce what looks like a Russian or northern Eastern European name, so any tips on how to find out on the Internet how to pronounce foreign names would be appreciated.
« Last Edit: January 11, 2017, 06:20:12 PM by PennySaved75 »

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #240 on: January 11, 2017, 06:08:15 PM »
The tips from this thread I have been copying down say I will have to remove a Cap One AU by calling and I have no idea how to pronounce what looks like a Russian or northern Eastern European name, so any tips on how to find out on the Internet how to pronounce foreign names would be appreciated.

No disrespect meant to our fine credit card customer service representatives, but I doubt that the vast majority of them know how to pronounce these names.  Even if they did, the fact that you or I, as an average American, don't know how to pronounce them would be hardly surprising and I really doubt it would raise even 1/10 of an eyebrow.
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dlawson

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #241 on: January 11, 2017, 06:51:17 PM »
The tips from this thread I have been copying down say I will have to remove a Cap One AU by calling and I have no idea how to pronounce what looks like a Russian or northern Eastern European name, so any tips on how to find out on the Internet how to pronounce foreign names would be appreciated.

I hope I don't sound too snarky, but... Google. "[name] pronunciation".

PennySaved75

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #242 on: January 11, 2017, 07:01:58 PM »

I hope I don't sound too snarky, but... Google. "[name] pronunciation".
Thanks.  I tried that and could not find exact spelling of either the first or last name, but got some pronunciations that are very close to the spellings so that will probably suffice.

dlawson

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #243 on: January 11, 2017, 07:09:51 PM »
If the spelling is close then an audio recording from Google will be just fine. People pronounce their names in so many different weird ways that no CSRs will tell the difference. Happy calling!

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #244 on: January 11, 2017, 07:11:57 PM »
Yeah, I've bungled plenty of names during a call to CS. I phonetically sound it out before with my best guess, then call so I can say it smoothly, even if it's wrong.
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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #245 on: January 11, 2017, 07:32:58 PM »
In the email with the paperwork it says to spend $50-500 on the card.  Do I need to spend that much? and when should I start spending on the card? now or wait until I have sold a tradeline?

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #246 on: January 11, 2017, 07:35:07 PM »
In the email with the paperwork it says to spend $50-500 on the card.  Do I need to spend that much? and when should I start spending on the card? now or wait until I have sold a tradeline?
No, it just needs to close with a balance that the CC company won't wipe out (often they wipe balances of 0.99 or less, depending on the company).

I "refill" my Amazon gift card balance with $2.50. You do it when you get the tradeline sale, right away, so it posts and shows up before the statement close.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #247 on: January 11, 2017, 07:43:13 PM »
Very suave amount, $2.50. Should bump over even the Discover freebie amount without being excessive.

PennySaved75

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #248 on: January 11, 2017, 07:58:20 PM »
So it is OK to have only a charge that was made on the credit card a few days before I added the AU, or do I have to make another charge after adding the AU?  I already have an automatic charge for my Netflix account on this card, which should post for next month's credit card bill.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #249 on: January 11, 2017, 08:00:10 PM »
So it is OK to have only a charge that was made on the credit card a few days before I added the AU, or do I have to make another charge after adding the AU?  I already have an automatic charge for my Netflix account on this card, which should post for next month's credit card bill.

As long as there is a balance when the statement closes, you're good.  The CC may not report to the AUs line if the balance is 0.

A monthly reoccurring fee is perfect, as long as the statement closes with a balance and you pay it off every time after that (not before, and not late).
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
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You can also read my forum "Journal."