Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 535719 times)

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2850 on: August 16, 2018, 01:14:27 PM »
It depends. I've had them report with no charge on it. It definitely helps to have the charge, to help make sure it reports, but it's not guaranteed to not post if it doesn't. You'll pretty much just have to wait and see.
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frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2851 on: August 16, 2018, 01:42:43 PM »
I would expect that if you had zero balance, it wouldn't report.  If the buyer needed that report to up his score, that didn't happen, so he's going to want his money back so you're not getting paid.

If you're lucky, the buyer already took a snapshot of his score and whoever he's trying to buy from already checked and recorded his score from a previous month and he actually doesn't need it anymore, in which case, you'd be in the clear.

When I have an AU, I go buy $10 in gas on each card with an AU on it in one visit.  That way, it's done. 

I actually do the same thing with my low balance forgiveness card.  Pump in $0.95, then $1.99 with another, then $0.93 with another.....  I do tend to pick dead times of the day to do that and if the station gets busy, I stop and mark my list for cards used, then resume next time.

BoA doesn't have an auto payment option (it's the only card that doesn't) so I have to log on manually and schedule a payment.  I have a monthly reminder set up for the day after closing and I log on an schedule the full payment for the due date.  I usually leave the reminder up on my phone and just make my next purchase charged to the card, then I clear out the reminder.  I may lose some cash back by using my BoA 1% card instead of a better card for whatever the next purchase is, but the tradeline income easily makes that worthwhile.  Between my crazy ass busy job, and my crazy ass wife, and my crazy ass infant that is having sleep issues I am just floating through life like a zombie on auto pilot.  I pretty much just move from task to task constantly chugging my way through life without much thought about anything.  If it's important I write it down on a list or create a reminder for it, and then I clear that mental bandwidth and don't worry about it until I get reminded or I'm crossing items off my list.  I thought I made a charge to the card and cleared the reminder, but apparently I never charged anything.  I did add an AU before the closing date (but after last month's closing date), so I would expect that if this $0 balance didn't post that they would see no change in their score.  I'm hoping it posts anyway.  So far it is listed as neither "posted" or "did not post" in my portal.

I did have a weird thing happen with my other card a couple months back (I made several posts about it).  Got 2 orders right before the closing date (like 1 days notice), but I was busy and did not get around to adding them to the card until AFTER the closing date of the card and was told by the tradeline company that I would not be getting paid as I added them after the date so they needed to add them to someone else's card immediately rather than waiting for another month for my next closing date. But then before my next closing date one of the AU was listed as "posted" and one as "did not post".  I have no idea how one was different from the other since I added them in the same phone call.  Also not sure how one was "posted" since I added him after my closing date (and it was "posted" before my next closing date).

Hopefully they don't boot me from the program for being unreliable and flaky. 

Imustacheyouaquestion

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2852 on: August 16, 2018, 01:58:41 PM »
Also no longer receiving notifications for removing AUs from "new company." Shrug.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2853 on: August 16, 2018, 06:02:49 PM »
Talked to the TL company about the notifications. They believe everything is working as normal, but people not getting notifications are likely expecting them for Capital One or US Bank, both of which are on hold (apparently even from removing AUs) due to ongoing audits. I guess removing AUs right now during the audit may raise a red flag?  I guess this was mentioned in a recent email newsletter they sent out.

Additionally, B of A, Capital One, and Chase cards require AUs to stay on for 75 days after the card reports (approximately 82 days from the add request), rather than 60 days of other issuers.

Email them if you have any questions, or PM me and I can try to get it addressed.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
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."

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2854 on: August 16, 2018, 07:31:00 PM »
I am still being instructed in my portal to remove au on a specific date but I never get notifications via email.  This applies to my boa and Citi cards with new company.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2855 on: August 16, 2018, 08:28:03 PM »
I am still being instructed in my portal to remove au on a specific date but I never get notifications via email.  This applies to my boa and Citi cards with new company.

Do you get the texts?

I got an email/text today. If it's just the emails not showing up, maybe your ISP is filtering them as spam or something?

We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
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."

monarda

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2856 on: August 16, 2018, 08:56:32 PM »
Talked to the TL company about the notifications. They believe everything is working as normal, but people not getting notifications are likely expecting them for Capital One or US Bank, both of which are on hold (apparently even from removing AUs) due to ongoing audits. I guess removing AUs right now during the audit may raise a red flag?  I guess this was mentioned in a recent email newsletter they sent out.

Additionally, B of A, Capital One, and Chase cards require AUs to stay on for 75 days after the card reports (approximately 82 days from the add request), rather than 60 days of other issuers.

Email them if you have any questions, or PM me and I can try to get it addressed.

Related to the Capital One ongoing audit. I had an old AU (new company) that I hadn't removed because of the audit, that Capital One removed for me because he was in "legal trouble". Probably shouldn't try using that card for a while. And my other one was shut down, so now I'm card-less with respect to tradelines. But in another year, a bunch of my cards will turn 2 years old.
« Last Edit: August 16, 2018, 09:05:14 PM by monarda »

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2857 on: August 16, 2018, 11:39:03 PM »
I am still being instructed in my portal to remove au on a specific date but I never get notifications via email.  This applies to my boa and Citi cards with new company.

Do you get the texts?

I got an email/text today. If it's just the emails not showing up, maybe your ISP is filtering them as spam or something?

I don't get any texts; I didn't know text notifications were an option.  I still get email notifications to add new AU.

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2858 on: August 17, 2018, 05:03:46 AM »

BoA doesn't have an auto payment option (it's the only card that doesn't) so I have to log on manually and schedule a payment.

I have 4 BoA cards and they're all on auto payment.  They could be cumbersome or somewhat hidden to get to, but they're definitely there somehwere.

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2859 on: August 17, 2018, 06:42:32 AM »

BoA doesn't have an auto payment option (it's the only card that doesn't) so I have to log on manually and schedule a payment.

I have 4 BoA cards and they're all on auto payment.  They could be cumbersome or somewhat hidden to get to, but they're definitely there somehwere.

There is an auto payment option but only for a fixed dollar amount, I cannot choose to pay the balance in full.  Legend has it that it can technically be done if I want to call boa and request a special form that I fax back after filling out with my bank details and signing.  I thought I was going crazy  because surely they must have auto payment option like every other card in  existence? but no, they make it intentionally cumbersome.  I decided to boycott boa rather than jump through those hopes so I didn't use the card for several years.  I've only started using it again since I started selling tradelines and they still have no auto payment option

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2860 on: August 17, 2018, 06:45:33 AM »
Do you use Amazon ever? Set up an Amazon gift card balance auto fill for $2, and a BofA auto pay for $2.

Assuming you spend at least $24/yr on Amazon, you'll use the small gift balance eventually.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
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."

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2861 on: August 17, 2018, 07:20:54 AM »
Do you use Amazon ever? Set up an Amazon gift card balance auto fill for $2, and a BofA auto pay for $2.

Assuming you spend at least $24/yr on Amazon, you'll use the small gift balance eventually.

Not a bad idea, but the minimum appears to be $5

We spend hundreds (maybe thousands) annually on Amazon.  Probably our number 1 retailer.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2862 on: August 17, 2018, 07:22:09 AM »
Good to know. Same principle though.

I'm betting most people in the US, on this forum, that don't boycott Amazon spend at least $60/yr there.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
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."

hgjjgkj

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2863 on: August 17, 2018, 07:55:41 AM »
Would the new or old company take cards with high limits (>15k) but are only 1 year old? I know the used to but I am not sure now.

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2864 on: August 17, 2018, 08:15:37 AM »
Good to know. Same principle though.

I'm betting most people in the US, on this forum, that don't boycott Amazon spend at least $60/yr there.

This worked out surprisingly well because now I won't have a variable balance each month with BoA, I'll have exactly $5 so I can set up auto pay for $5 which I already did.  Manually scheduled october's payment, and starting november it will be on auto pay.  I wish I would have done this before.  I could have potentially prevented a $175 fuck up from happening.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2865 on: August 17, 2018, 09:40:23 AM »

BoA doesn't have an auto payment option (it's the only card that doesn't) so I have to log on manually and schedule a payment.

I have 4 BoA cards and they're all on auto payment.  They could be cumbersome or somewhat hidden to get to, but they're definitely there somehwere.

There is an auto payment option but only for a fixed dollar amount, I cannot choose to pay the balance in full.  Legend has it that it can technically be done if I want to call boa and request a special form that I fax back after filling out with my bank details and signing.  I thought I was going crazy  because surely they must have auto payment option like every other card in  existence? but no, they make it intentionally cumbersome.  I decided to boycott boa rather than jump through those hopes so I didn't use the card for several years.  I've only started using it again since I started selling tradelines and they still have no auto payment option

I am set up for autopay balance in full on my BofA cards, and I didn't have to fax anything.  They do make it quite tricky to set up, though.  IIRC it's a two step process of enabling e-bills and then doing the autopay but they don't call it autopay.

I don't know if it's still true but years ago BofA used to have different IT setups for different states and regions.  If that is still so, it may be a YMMV situation.

Mesmoiselle

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2866 on: August 17, 2018, 09:52:35 AM »
My mustachian problem of the day is that my oldest card I want to start selling Tradelines on declined raising the limit due to low utilization of the card. I guess my monthly charity contribution for the last two years to keep the account "active" is meaningless. Now I will have to switch spending over to it for a month? one billing cycle? before requesting again. Wonder how much is "enough."

Anybody got a clue?

solon

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2867 on: August 17, 2018, 09:54:42 AM »
My mustachian problem of the day is that my oldest card I want to start selling Tradelines on declined raising the limit due to low utilization of the card. I guess my monthly charity contribution for the last two years to keep the account "active" is meaningless. Now I will have to switch spending over to it for a month? one billing cycle? before requesting again. Wonder how much is "enough."

Anybody got a clue?

I have exactly the same problem. My plan is to switch to that card until I'm allowed to ask for a CL increase again, 6 months.

Mesmoiselle

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2868 on: August 17, 2018, 10:15:17 AM »
My mustachian problem of the day is that my oldest card I want to start selling Tradelines on declined raising the limit due to low utilization of the card. I guess my monthly charity contribution for the last two years to keep the account "active" is meaningless. Now I will have to switch spending over to it for a month? one billing cycle? before requesting again. Wonder how much is "enough."

Anybody got a clue?

I have exactly the same problem. My plan is to switch to that card until I'm allowed to ask for a CL increase again, 6 months.

I did a double take at your 6 months before requesting again, and went to go look at my rejection letter. 6 months only comes up as the wait time if the limit got changed. Since I was rejected, not approved for "too little" There is no wait time for me so far as I can see based off the letter.

solon

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2869 on: August 17, 2018, 10:18:30 AM »
My mustachian problem of the day is that my oldest card I want to start selling Tradelines on declined raising the limit due to low utilization of the card. I guess my monthly charity contribution for the last two years to keep the account "active" is meaningless. Now I will have to switch spending over to it for a month? one billing cycle? before requesting again. Wonder how much is "enough."

Anybody got a clue?

I have exactly the same problem. My plan is to switch to that card until I'm allowed to ask for a CL increase again, 6 months.

I did a double take at your 6 months before requesting again, and went to go look at my rejection letter. 6 months only comes up as the wait time if the limit got changed. Since I was rejected, not approved for "too little" There is no wait time for me so far as I can see based off the letter.

Well, I wonder how many months of elevated activity they would like to see before granting the request? My guess is 1 month is too low; 6 months is probably more in the range.

Mesmoiselle

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2870 on: August 17, 2018, 10:23:54 AM »
..... declined raising the limit due to low utilization of the card.....Now I will have to switch spending over to it for a month? one billing cycle? before requesting again. Wonder how much is "enough." Anybody got a clue?
I have exactly the same problem. My plan is to switch to that card until I'm allowed to ask for a CL increase again, 6 months.
I did a double take at your 6 months before requesting again, and went to go look at my rejection letter. 6 months only comes up as the wait time if the limit got changed. Since I was rejected, not approved for "too little" There is no wait time for me so far as I can see based off the letter.

Well, I wonder how many months of elevated activity they would like to see before granting the request? My guess is 1 month is too low; 6 months is probably more in the range.

That's a long time to go without my consistent/confirmed 3-5% cash back and I still got some Churning to do. I think I will go two billing cycles, then ask again. There is no time limit on the asking. But if I want them to raise it super high, then I should probably get it up to the max and keep it there for two cycles (paying off in full, obviously.)

*scratches head* do I even have enough bills to do that... good thing I got a deal going where I let my BIL charge his bills to my card and he pays me cash, I may just be able to hack it.

ravevan

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2871 on: August 17, 2018, 10:43:17 AM »
Can you remove an authorized user from Citi via secure message? Has anyone tried and succeeded in it? Thanks.

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2872 on: August 17, 2018, 10:48:57 AM »

BoA doesn't have an auto payment option (it's the only card that doesn't) so I have to log on manually and schedule a payment.

I have 4 BoA cards and they're all on auto payment.  They could be cumbersome or somewhat hidden to get to, but they're definitely there somehwere.


There is an auto payment option but only for a fixed dollar amount, I cannot choose to pay the balance in full.  Legend has it that it can technically be done if I want to call boa and request a special form that I fax back after filling out with my bank details and signing.  I thought I was going crazy  because surely they must have auto payment option like every other card in  existence? but no, they make it intentionally cumbersome.  I decided to boycott boa rather than jump through those hopes so I didn't use the card for several years.  I've only started using it again since I started selling tradelines and they still have no auto payment option

I am set up for autopay balance in full on my BofA cards, and I didn't have to fax anything.  They do make it quite tricky to set up, though.  IIRC it's a two step process of enabling e-bills and then doing the autopay but they don't call it autopay.

I don't know if it's still true but years ago BofA used to have different IT setups for different states and regions.  If that is still so, it may be a YMMV situation.

https://thefinancebuff.com/autopay-bank-america-credit-card.html

Apparently there are two options, both somewhat convoluted, to set up auto pay.  When I last inquired I was informed about filling out the form that I had to fax (or snail mail) back, and it took at least 1 billing cycle to set up.  Technically doable, but my response at the time was "fuck you boa, how about I just never use your card again" just out of spite for them making it so damn difficult.  Literally every other bill I have can be set up to auto pay in the full amount perpetually with just a few minutes and a few clicks.

Since I'll be charging an exact amount ($5 amazon gift card) every month I am just going to use their set amount auto pay.  I won't ever use the account outside of that $5 purchase, mostly out of spite, but also because the rewards are garbage.

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2873 on: August 17, 2018, 10:50:40 AM »
Can you remove an authorized user from Citi via secure message? Has anyone tried and succeeded in it? Thanks.

Yes.  That is now how the new company instructs you to remove AU from citi now.  I removed my last 2 that way.  I got a notification about 15 minutes after I sent the message that the AU had been removed.  So much easier than calling in and dealing with citi. 

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2874 on: August 17, 2018, 12:25:07 PM »
BoA doesn't have an auto payment option (it's the only card that doesn't) so I have to log on manually and schedule a payment.  I have a monthly reminder set up for the day after closing and I log on an schedule the full payment for the due date.  I usually leave the reminder up on my phone and just make my next purchase charged to the card, then I clear out the reminder.  I may lose some cash back by using my BoA 1% card instead of a better card for whatever the next purchase is, but the tradeline income easily makes that worthwhile.  Between my crazy ass busy job, and my crazy ass wife, and my crazy ass infant that is having sleep issues I am just floating through life like a zombie on auto pilot.  I pretty much just move from task to task constantly chugging my way through life without much thought about anything.  If it's important I write it down on a list or create a reminder for it, and then I clear that mental bandwidth and don't worry about it until I get reminded or I'm crossing items off my list.  I thought I made a charge to the card and cleared the reminder, but apparently I never charged anything.  I did add an AU before the closing date (but after last month's closing date), so I would expect that if this $0 balance didn't post that they would see no change in their score.  I'm hoping it posts anyway.  So far it is listed as neither "posted" or "did not post" in my portal.
I don't usually pay any my credit cards through the issuer's website, I pay them through bill pay on my Capital One 360 account. Capital One 360 is set up to receive the bill electronically and automatically set up the payment to pay off the balance. You might see if you can set up BoA to be paid off automatically like this. I prefer this over having the issuer pull the payment because the scheduled payment shows up in my Capital One 360 account allowing me to project future balances of the account more easily.

SilverAg47

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2875 on: August 17, 2018, 01:59:37 PM »

https://thefinancebuff.com/autopay-bank-america-credit-card.html

Apparently there are two options, both somewhat convoluted, to set up auto pay.  When I last inquired I was informed about filling out the form that I had to fax (or snail mail) back, and it took at least 1 billing cycle to set up.  Technically doable, but my response at the time was "fuck you boa, how about I just never use your card again" just out of spite for them making it so damn difficult.  Literally every other bill I have can be set up to auto pay in the full amount perpetually with just a few minutes and a few clicks.

Navigating Bank of America's site to set up credit card auto pay is like the search for the holy grail.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2876 on: August 17, 2018, 02:19:49 PM »

https://thefinancebuff.com/autopay-bank-america-credit-card.html

Apparently there are two options, both somewhat convoluted, to set up auto pay.  When I last inquired I was informed about filling out the form that I had to fax (or snail mail) back, and it took at least 1 billing cycle to set up.  Technically doable, but my response at the time was "fuck you boa, how about I just never use your card again" just out of spite for them making it so damn difficult.  Literally every other bill I have can be set up to auto pay in the full amount perpetually with just a few minutes and a few clicks.

Navigating Bank of America's site to set up credit card auto pay is like the search for the holy grail.

Just donít choose.... poorly

kpd905

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2877 on: August 17, 2018, 06:53:43 PM »

https://thefinancebuff.com/autopay-bank-america-credit-card.html

Apparently there are two options, both somewhat convoluted, to set up auto pay.  When I last inquired I was informed about filling out the form that I had to fax (or snail mail) back, and it took at least 1 billing cycle to set up.  Technically doable, but my response at the time was "fuck you boa, how about I just never use your card again" just out of spite for them making it so damn difficult.  Literally every other bill I have can be set up to auto pay in the full amount perpetually with just a few minutes and a few clicks.

Navigating Bank of America's site to set up credit card auto pay is like the search for the holy grail.

Glad I'm not the only one who has trouble with BOA's site.  Their business card dashboard is really strange too with a Corp Account and then a separate account for your card.  I don't know why they need to make everything so difficult.

On a different subject....Madfientist posted an article today with his account, who is an expert on the new 20% passthrough deduction (he actually wrote a book on how to maximize it).  In the comments he said that as long as you report tradeline sales on a Schedule C correctly, they should qualify for the passthrough deduction. 

Comments are here: https://www.madfientist.com/section-199a/#comments

I don't know how to link to a specific comment, but if you search "tradeline" you can find it.  If anyone has more specific questions to ask him regarding this, now would be a good time as he seems to be responding to most comments.

ditkanate

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2878 on: August 21, 2018, 01:09:42 PM »
Have had a couple adds with my 2 Discover cards recently.  Just added an AU to one of them yesterday, the add seemed to go through fine online.  Today I get a call from Discover's fraud prevention department.  Asked me if the AU's were added by me.  Yes.  What is your relationship with them?  Ahhh... business associates.... ?

They asked me to verify the last names of all the AU's on each card.  Anyway, I had my spreadsheet handy so I answered them fine and they let it all go through. 

But now I'm nervous. 

kpd905

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2879 on: August 21, 2018, 01:30:38 PM »
Have had a couple adds with my 2 Discover cards recently.  Just added an AU to one of them yesterday, the add seemed to go through fine online.  Today I get a call from Discover's fraud prevention department.  Asked me if the AU's were added by me.  Yes.  What is your relationship with them?  Ahhh... business associates.... ?

They asked me to verify the last names of all the AU's on each card.  Anyway, I had my spreadsheet handy so I answered them fine and they let it all go through. 

But now I'm nervous.

I had the same phone call the first time I added multiple AUs to my Discover card.  I confirmed the names and was fine for months and probably 20+ more AUs.  The card did eventually get closed though, but a long time after that phone call.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2880 on: August 21, 2018, 01:32:16 PM »
Yep, got the same call from Discover for my first adds a few years ago. No issues, card is still open, still add AUs.

I wouldn't worry about it at all, just their fraud prevention making sure you were the one that added the AUs.
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arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2881 on: August 22, 2018, 02:50:23 PM »
Old tradeline company is looking for cards with high limits (over 20k, at least 5 years old) or very old (over 8 years, any limit).

Companies: Discover, Barclays, US Bank, PNC, Capital One, USAA, NFCU, Bank of America, Chase

If you have a very old/high limit card (45k+, 8+ years old), they're offering a $200 signup bonus right now (actually a referral bonus, but if you use my signup info they'll send it to you when your first AU payment posts).

Overall, nothing's changed on my recommendations; I'd be using new company on cards that are 2+ years, 5k+ limits, or old company on 10k+/5+yr cards.

I continue to look into other companies, and check in with ones I've looked into before, to see if anything has changed and I can recommend them, but for now, still just these two. :)
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
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Pizzabrewer

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2882 on: August 23, 2018, 07:04:38 AM »
Is the 2-year age a hard and fast minimum?  I have a few 18-month old cards, including Duscover with $19k limit.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2883 on: August 23, 2018, 07:06:10 AM »
Is the 2-year age a hard and fast minimum?  I have a few 18-month old cards, including Duscover with $19k limit.

It is not; they take cards that are only a year old if they have very high limits, or very old cards even with low limits.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
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Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2884 on: August 23, 2018, 08:03:29 AM »
Don't miss the fact that this new offer accepts BoA.  (and Chase)  Although my BoA cards aren't old enough yet, I took the first step to prepare one of them.  I have 4 BoA cards.  I killed one that I only opened for the sign on bonus (come to think of it, all 4 would qualify the same way) and while I was there asked about moving the credit limit from one of the remaining cards to another.  BoA has 2 kinds of cards.  Some that are theirs, so they can slide credit limits from one to another and some that they just service and can't take the CL to put on another card.  For example, I killed the MLB card, which is a serviced card, so the CL could not be applied elsewhere.  AAA, Cash Rewards and Travel Rewards are all BoA cards, so it is possible to take most of the CL from AAA and move it to Cash Rewards.  Then take some of the CL from Travel Rewards and move it to Cash Rewards.  You don't need to cancel a card to take "some" of the credit limit and slide it to another card.  Note that the CSR has to try to do this.  It's not something they can see in advance.


katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2885 on: August 23, 2018, 09:15:56 PM »
FYI, Barclays AU limit (if it exists) must be more than 36 AU's.  I had asked earlier in the thread and others mentioned or asked as well.  If I hit a limit, I will post again.

Happy 4th, yall!  :)
Closer to 50 ime

Sent from my Redmi 5 Plus using Tapatalk

I may have hit the limit on AUs for one of my Barclays cards.  The web site acted weird for a couple of days when I tried to add my last AU.  I have had this happen before one day but the next day it would work fine. 

I tried to do a product change through their messaging system and they told me there were no cards to convert to.  Someone mentioned a product change previously in the thread when you hit the limit.  Does anyone know how to do this successfully with Barclays?  Should I call and ask the same question?

@hay_otsuka Any ideas?  Thanks...


enalynom

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2886 on: August 24, 2018, 08:23:14 AM »
I'm having my first real problem with a tradeline. This is with the old company.

After my information showed up on her credit report, one of my AUs called Citi and told them that they didn't know me. Citi put a fraud alert on my account. I called in and verified the names of the AUs and then they told me what happened. I wasn't sure what to do on the call, so I told them that I'd get back to them. I've got an email in to the tradeline company to see how to handle this.

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.



« Last Edit: August 24, 2018, 08:24:45 AM by enalynom »

robartsd

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2887 on: August 24, 2018, 10:14:11 AM »
I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.
Why would someone spend money boosting the credit score of a stolen identity?

flashflooder

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2888 on: August 24, 2018, 10:30:40 AM »
I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.
Why would someone spend money boosting the credit score of a stolen identity?

So they can then go on to abuse it?

charuhans

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2889 on: August 24, 2018, 11:41:47 AM »
I'm having my first real problem with a tradeline. This is with the old company.

After my information showed up on her credit report, one of my AUs called Citi and told them that they didn't know me. Citi put a fraud alert on my account. I called in and verified the names of the AUs and then they told me what happened. I wasn't sure what to do on the call, so I told them that I'd get back to them. I've got an email in to the tradeline company to see how to handle this.

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.

Really strange. Just imagining the conversation between the AU and Citi -- I have a credit card on my CR of which I can only give you the last 4 digits. I don't have any such credit card could you tell me how it got there? And Citi then gave her all the information about the Primary Cardholder so she can verify if it sounds alright. She would not see any of the primary cardholder's information on her CR. Sometimes the address might show up on her CR but it usually takes a couple of cycles. I'm wondering if this is part of some other elaborate scheme. It's a jungle out there ...

I_want_to_make_a_million

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2890 on: August 24, 2018, 12:25:29 PM »
I'm having my first real problem with a tradeline. This is with the old company.

After my information showed up on her credit report, one of my AUs called Citi and told them that they didn't know me. Citi put a fraud alert on my account. I called in and verified the names of the AUs and then they told me what happened. I wasn't sure what to do on the call, so I told them that I'd get back to them. I've got an email in to the tradeline company to see how to handle this.

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.

Really strange. Just imagining the conversation between the AU and Citi -- I have a credit card on my CR of which I can only give you the last 4 digits. I don't have any such credit card could you tell me how it got there? And Citi then gave her all the information about the Primary Cardholder so she can verify if it sounds alright. She would not see any of the primary cardholder's information on her CR. Sometimes the address might show up on her CR but it usually takes a couple of cycles. I'm wondering if this is part of some other elaborate scheme. It's a jungle out there ...


You would think the bank would be more careful with your information but I suppose once a person is an authorized user on your card, they are entitled into that info because we are supposed to know them.

frozen

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2891 on: August 24, 2018, 04:08:32 PM »
I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.
Why would someone spend money boosting the credit score of a stolen identity?

Do some research on synthetic identities. We have discussed it on this thread before. This is the reason you want to use a good tradeline company that verifies authorized users are real people.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2892 on: August 24, 2018, 10:04:27 PM »
Is there a way to easily check whether the identity is synthetic or at least look for potential signs? For example, if SSN was issued around the same year as the AU's birthday or one or two years after, could it still be a synthetic identity?

enalynom

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2893 on: August 24, 2018, 10:12:21 PM »
This went much smoother than I expected.

Leslie from the old tradeline company contacted the AU. The AU said that they saw it on their credit report, assumed it was fraudulent, and tried to remove themselves from the card. She said that it didn't seem like the AU fully understood how the tradeline process worked.

I doubt there is anything a tradeline company can do to prevent something like this from happening. She didn't say whether something like this had happened before, but she said it is very uncommon. This is how they've handled it.
"contacting the lenders is strictly against our policy and voids their contract...we have a 0 tolerance policy...They will not receive any refunds or be able to place any future orders"

She's also going to put my Citi cards on hold for a couple of months to be safe.

Leslie assured me that there was no way for the AU to get my name from the tradeline company or the credit report. The credit report would only show the credit card issuer and possibly the card holder's address. She was able to check the AU's Experian credit report and my address is on it. The AU was added on 7/19, my statement closing date was 7/25, and it showed up on her credit report on or before 8/23. So it showed up after just one cycle. She said that she didn't think that Citi would give the AU my name, but that it is possible because of human error. She theorized that the fraud specialist meant that the AU didn't know what my name was, not that she didn't recognize my name. It's also possible that that's what they told me and I just misunderstood them. So either Citi didn't actually give the AU my name or they failed an unintentional social engineering test.  After the dust settles, I might call Citi back and try to get some answers about whether they gave the AU my name.

Leslie recommended that I just use the secure message to remove the AU instead of calling Citi. Since I knew what had happened, I decided to go ahead and call them. It didn't seem like just removing the AU would remove the alert and I figured I could talk my way through it. After answering all their questions they removed the fraud alert from my account. In case anyone else runs into a similar situation, this is what they asked me:
1. They asked more than the normal amount of questions to verify who I was. Including questions about my other Citi card that wasn't involved in the "fraud".
2. Why did I end the call the previous day? - I explained that I wanted to contact the AU about it
3. What is my relationship with the AU? - Business Associate
4. Why didn't the AU didn't know who I was ?- I basically said "I don't know" and the fraud specialist laughed it off.


Can you remove an authorized user from Citi via secure message? Has anyone tried and succeeded in it? Thanks.
Coincidentally, the old company addressed this during our communication. If this is correct, then using a secure message should work to remove a tradeline for any issuer.
"All I would advise you to do is to email Citibank using their secure email function in your Citibank portal asking them to remove the AU from your account. There's an example of removing an AU online in the attached Adding AUs pdf. Due to ADA regulations, bank issuers have to accept secure messages the same way they would accept phone calls"

« Last Edit: August 24, 2018, 10:18:09 PM by enalynom »

topshot

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2894 on: August 25, 2018, 07:45:17 AM »
Leslie assured me that there was no way for the AU to get my name from the tradeline company or the credit report. The credit report would only show the credit card issuer and possibly the card holder's address. She was able to check the AU's Experian credit report and my address is on it.
It is certainly possible to get your name from a home address. I'm surprised you've never tried that before. Very easy if the locality has a GIS portal tied to Recorder's Office records. It's public information after all. Now if you bought the house via a trust, corporation or some other legal entity, that's an extra level they'd have to dig.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2895 on: August 25, 2018, 08:26:25 AM »
This went much smoother than I expected.

Thanks for the update!

Really weird behavior by the AU.

Likely they were cleaning up their credit report trying to boost their score, added a tradeline at the same time, then saw the new address hit (maybe got an alert from a monitoring company) and went "gotta remove that!" without registering it was the tradeline they bought. Maybe not understanding how the tradeline worked or would bump their score.

I think I recall that happening once before to someone (maybe in the first thread?), but it does seem very rare.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
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enalynom

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2896 on: August 25, 2018, 05:57:45 PM »
Leslie assured me that there was no way for the AU to get my name from the tradeline company or the credit report. The credit report would only show the credit card issuer and possibly the card holder's address. She was able to check the AU's Experian credit report and my address is on it.
It is certainly possible to get your name from a home address. I'm surprised you've never tried that before. Very easy if the locality has a GIS portal tied to Recorder's Office records. It's public information after all. Now if you bought the house via a trust, corporation or some other legal entity, that's an extra level they'd have to dig.

I hadn't thought about that, but you're right. My name is easy to find by searching for my address on my county's property value assessment site.

ThatGuy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2897 on: August 25, 2018, 09:44:21 PM »
If you want to find a persons name from an address here is an easy way to do it.

https://www.truepeoplesearch.com/

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2898 on: August 26, 2018, 07:24:44 AM »
If you want to find a persons name from an address here is an easy way to do it.

https://www.truepeoplesearch.com/

Thank you for this link.  BTW you can submit a removal request if you don't want your name to be found using an address or phone number. I did it for myself, will see how it goes.

Of course, i'm sure there are other sources people can use to look up this information.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #2899 on: August 27, 2018, 11:30:03 AM »
I just got three new add's from new company. Two on my Discover and one from Chase.

Question on Chase card. I added via the website. There was no place for SS#. I got an email from Chase fraud that it was added and to call if I did not. Since they don't have social how do they give history to that person or do I have to call to add that?

On my Discover adds the website would not take their addresses so I had to call. One was added immediately and they said they would get back to me on the other once they verify the person.

Thanks!