Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 1148358 times)

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3050 on: November 16, 2018, 10:12:25 PM »
I found this out when I got 4 notification emails, all for the same Discover It card.  I have to remove 2 of my AU's from August and then add 2 other ones.  What would be the best order of operation to get these 4 things accomplished?  I was thinking Add 1 user, then wait a day and Add the next one...then wait maybe a week and remove the 2 old ones?  I did email the New Company to see what the latest is with Discover and how I should proceed so I'll see what they think too.

New Company gives you advice on how to do this.  I think one of their rules is to never perform add and remove operations in the same phone call.  And I think another rule is that it is OK to add multiple or remove multiple in a single call.  But check what they've told you either online or in emails or in the documentation they sent you when you signed up with them.

Personally I would remove both old ones in one phone call, then add first AU in one phone call, then add second AU in one phone call - as long as that comported with all of New Company's guidance.

rwaters415

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3051 on: November 16, 2018, 10:41:27 PM »
Finally. Took me days to get through this monster thread, but I'm glad I took the time to read it all.

Much like the FIRE movement itself, it seems I'm late to the party once again. Oh well.

I read the first few pages and was optimistic enough to message ARS for the info, up my credit limit on my Chase card I was considering using ($20k limit now), and apply for two new cards (a Wells Fargo for the sign up bonus, but maybe I can use it later on for tradelines, and a barclays card to season for later use). I also have a BofA with a $21k limit and long credit history I'd like to use for this, but I have a balance transfer on it right now that I'll have to work on paying down. However, I promised myself I wouldn't actually contact the companies without reading this whole thread first, and I'm so glad I did. So, all that to say: if you're new here like me and considering this, please read this entire thread. It's incredibly useful and has helped me rethink how I'll approach this once I'm ready. My two biggest takeaways:

- I will open a PO Box to use for this
- I won't use my personal phone number when adding AU's

Couple questions:

For those who are paid by direct deposit- do you think that ups your chances of shut downs? For example, if I'm using a B of A card for TL, and I also bank with them, and then they see a TL company paying me in my checking account, wouldn't that be a huge red flag? Can you request a paper check with both companies?

Have any of the two recommended companies ever accepted Wells Fargo or Synchrony bank cards? Wells Fargo started me out at $11k, and I could probably get that higher in a year, and I already have a year old synchrony card with a $15k limit on it.

Lastly, the whole time reading through the thread I kept thinking to myself that SURELY the "new" company would get their shit together by the time I made it to the end of the thread. It appears they are still ironing out issues. What in the actual fuck? Come on! So yeah, if one of y'all could get the mustchian TL company up and going right before I'm ready to take the plunge, that's would be greeeeeeeeat. :)  kthxbye

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3052 on: November 16, 2018, 11:03:06 PM »
For those who are paid by direct deposit- do you think that ups your chances of shut downs? For example, if I'm using a B of A card for TL, and I also bank with them, and then they see a TL company paying me in my checking account, wouldn't that be a huge red flag? Can you request a paper check with both companies?

No, I don't think it would be a problem.  I think New Company does ACH deposits under an innocuous name; BofA is too busy to track down whether any given deposit is from a TL company.  You could ask the TL companies to send you a check but I think they would rather do ACH deposits.

Have any of the two recommended companies ever accepted Wells Fargo or Synchrony bank cards? Wells Fargo started me out at $11k, and I could probably get that higher in a year, and I already have a year old synchrony card with a $15k limit on it.

Not to my knowledge.

Lastly, the whole time reading through the thread I kept thinking to myself that SURELY the "new" company would get their shit together by the time I made it to the end of the thread. It appears they are still ironing out issues. What in the actual fuck? Come on! So yeah, if one of y'all could get the mustchian TL company up and going right before I'm ready to take the plunge, that's would be greeeeeeeeat. :)  kthxbye

New Company has been fine for me personally.  There may be some complaints on this thread, but given the number of TLs, AU buyers, and AU sellers, I think the percentage is pretty low.

rwaters415

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3053 on: November 16, 2018, 11:15:12 PM »
For those who are paid by direct deposit- do you think that ups your chances of shut downs? For example, if I'm using a B of A card for TL, and I also bank with them, and then they see a TL company paying me in my checking account, wouldn't that be a huge red flag? Can you request a paper check with both companies?

No, I don't think it would be a problem.  I think New Company does ACH deposits under an innocuous name; BofA is too busy to track down whether any given deposit is from a TL company.  You could ask the TL companies to send you a check but I think they would rather do ACH deposits.

Have any of the two recommended companies ever accepted Wells Fargo or Synchrony bank cards? Wells Fargo started me out at $11k, and I could probably get that higher in a year, and I already have a year old synchrony card with a $15k limit on it.

Not to my knowledge.

Lastly, the whole time reading through the thread I kept thinking to myself that SURELY the "new" company would get their shit together by the time I made it to the end of the thread. It appears they are still ironing out issues. What in the actual fuck? Come on! So yeah, if one of y'all could get the mustchian TL company up and going right before I'm ready to take the plunge, that's would be greeeeeeeeat. :)  kthxbye

New Company has been fine for me personally.  There may be some complaints on this thread, but given the number of TLs, AU buyers, and AU sellers, I think the percentage is pretty low.

Thank you for the feedback! <3

Onion

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3054 on: November 16, 2018, 11:17:36 PM »
I found this out when I got 4 notification emails, all for the same Discover It card.  I have to remove 2 of my AU's from August and then add 2 other ones.  What would be the best order of operation to get these 4 things accomplished?  I was thinking Add 1 user, then wait a day and Add the next one...then wait maybe a week and remove the 2 old ones?  I did email the New Company to see what the latest is with Discover and how I should proceed so I'll see what they think too.

New Company gives you advice on how to do this.  I think one of their rules is to never perform add and remove operations in the same phone call.  And I think another rule is that it is OK to add multiple or remove multiple in a single call.  But check what they've told you either online or in emails or in the documentation they sent you when you signed up with them.

Personally I would remove both old ones in one phone call, then add first AU in one phone call, then add second AU in one phone call - as long as that comported with all of New Company's guidance.

Why not add and remove with discover through their online portal? Why over the phone?

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3055 on: November 16, 2018, 11:47:03 PM »
I found this out when I got 4 notification emails, all for the same Discover It card.  I have to remove 2 of my AU's from August and then add 2 other ones.  What would be the best order of operation to get these 4 things accomplished?  I was thinking Add 1 user, then wait a day and Add the next one...then wait maybe a week and remove the 2 old ones?  I did email the New Company to see what the latest is with Discover and how I should proceed so I'll see what they think too.

New Company gives you advice on how to do this.  I think one of their rules is to never perform add and remove operations in the same phone call.  And I think another rule is that it is OK to add multiple or remove multiple in a single call.  But check what they've told you either online or in emails or in the documentation they sent you when you signed up with them.

Personally I would remove both old ones in one phone call, then add first AU in one phone call, then add second AU in one phone call - as long as that comported with all of New Company's guidance.

Why not add and remove with discover through their online portal? Why over the phone?

Ah, whoops.  I don't actually have any Discover cards registered with the TL companies, and most of the cards I do have registered have adds/removes done via phone, so I just defaulted to that.  Personally, if I can add or remove via a portal, I'll do it that way because I prefer it to phone calls.

Overall I (nearly always) follow what the TL companies recommend.  New Company has a little information icon that appears to give issuer-specific guidance in a popup window, so I usually follow that.

SilverAg47

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3056 on: November 17, 2018, 09:45:03 AM »
I am such an idiot.  I received an AU card in the mail today and in trying to activate the card I noticed that I mixed up the First and Last name.   And since it is a Barclay card, I did not provide the SSN because they seem to post with just the Name, DOB and address.  Now I have to figure out how to fix this mess...

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3057 on: November 17, 2018, 11:25:17 AM »
I am such an idiot.  I received an AU card in the mail today and in trying to activate the card I noticed that I mixed up the First and Last name.   And since it is a Barclay card, I did not provide the SSN because they seem to post with just the Name, DOB and address.  Now I have to figure out how to fix this mess...

Whoops!

Although I also never bother with the SSN because they post with just the name, dob, address (the stuff you can put in online, without calling), in this case I'd likely call in now and add the SSN and hope that it still posts with the first/last name reversed (using the DOB, address, and SSN as enough info).
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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3058 on: November 17, 2018, 11:30:28 AM »
There may be some complaints on this thread, but given the number of TLs, AU buyers, and AU sellers, I think the percentage is pretty low.

Indeed!

I've thought the same thing.

Given the amount (hundreds of thousands of dollars) Mustachians have collectively made on tradelines since I posted about it over two years ago, the amount of complaints in proportion to that has been shockingly small:
- Credit cards being closed
- Some junk mail, if your address is used
- Some spam phone calls from debt collectors, if your phone number is easily linked to your address
- Some slow responses when asking questions of customer service
- Some payments being a bit later than expected

..I mean, not ideal, sure. But, relatively minor things (or potentially expected, like card closures) and, as you say, given the number of people and sales, even these issues are quite infrequent. E.g. we don't have dozens and dozens of people getting cards shut down all the time. Some randomly are, and it sucks if you're the one with the bad luck, but in general, it's not often.

And given the amount of money and lack of effort/time needed, tradeline sales continue to astound me as about the best, easiest, highest paying per hour side-gig I've ever heard of, and still going strong.
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secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3059 on: November 17, 2018, 12:21:34 PM »
There may be some complaints on this thread, but given the number of TLs, AU buyers, and AU sellers, I think the percentage is pretty low.

Indeed!

I've thought the same thing.

Given the amount (hundreds of thousands of dollars) Mustachians have collectively made on tradelines since I posted about it over two years ago, the amount of complaints in proportion to that has been shockingly small:
- Credit cards being closed
- Some junk mail, if your address is used
- Some spam phone calls from debt collectors, if your phone number is easily linked to your address
- Some slow responses when asking questions of customer service
- Some payments being a bit later than expected

..I mean, not ideal, sure. But, relatively minor things (or potentially expected, like card closures) and, as you say, given the number of people and sales, even these issues are quite infrequent. E.g. we don't have dozens and dozens of people getting cards shut down all the time. Some randomly are, and it sucks if you're the one with the bad luck, but in general, it's not often.

And given the amount of money and lack of effort/time needed, tradeline sales continue to astound me as about the best, easiest, highest paying per hour side-gig I've ever heard of, and still going strong.

I think something for people to remember is that people tend to post about the negative occurrences on this thread and not the positives.  So let me take a minute and do that.

I have had 49 AUs between Old Company, New Company, and private sales across seven cards over the past 27 months.

I have had no cards closed.  No impact on me.

One of my cards had a security fraud alert placed on it for a few months.  I had an uncomforable phone call with the security analyst until I realized I could hang up on him.  Waited a few months, called back with some trepidation, went through the security process, and am now adding AUs on that card again.  Total time:  15 minutes.

I received a note on my front door that a repo man had visited.  I called him and told him the guy didn't live here.  Five minutes.

I received about six USAA privacy notices addressed to former AUs.  30 seconds to drop them in recycling.

Of those 49 AUs, only two have not posted.  I did not get paid for those two.

I've been FIREd for about 33 months, and my piggybacking income - which was unplanned when I retired - covers about 25% of my living expenses.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3060 on: November 17, 2018, 03:09:37 PM »
Discover closed my account with the message "we are no longer able to meet your servicing needs." No clue about why - I haven't had an add since late last year. Pretty normal usage on it.

I continue to suspect that companies do periodic audits where they query their databases for what they consider to be risky behavior.  They then either human review or (less likely) do mass closings.

If this is accurate, then there could be a long while between when one does what they consider risky and the account closure.  It also means that "normal usage" may not inoculate one against account closure.

I continue to think that the total number of AU's added to a line, perhaps limited to those that don't reside at the same address or share the same last name, would be the search criteria that they use.

I also don't think they expend much energy or effort on this kind of thing overall, since the direct cost to them is pretty low.  Their main business risk would be loss due to fraud or punitive damages by not complying with federal restrictions on foreign nationals subject to sanction or something like that.

@Shade00, there also is the possibility that the reason for closure may not be related to AUs.  It's possible that some other behavior is what triggered the closure.  I don't know about you, but I typically do multiple things on each credit line that the CC companies don't like.

Great results, how many cards are you using for tradelines?

rwaters415

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3061 on: November 17, 2018, 03:27:56 PM »
There may be some complaints on this thread, but given the number of TLs, AU buyers, and AU sellers, I think the percentage is pretty low.

Indeed!

I've thought the same thing.

Given the amount (hundreds of thousands of dollars) Mustachians have collectively made on tradelines since I posted about it over two years ago, the amount of complaints in proportion to that has been shockingly small:
- Credit cards being closed
- Some junk mail, if your address is used
- Some spam phone calls from debt collectors, if your phone number is easily linked to your address
- Some slow responses when asking questions of customer service
- Some payments being a bit later than expected

..I mean, not ideal, sure. But, relatively minor things (or potentially expected, like card closures) and, as you say, given the number of people and sales, even these issues are quite infrequent. E.g. we don't have dozens and dozens of people getting cards shut down all the time. Some randomly are, and it sucks if you're the one with the bad luck, but in general, it's not often.

And given the amount of money and lack of effort/time needed, tradeline sales continue to astound me as about the best, easiest, highest paying per hour side-gig I've ever heard of, and still going strong.

I think something for people to remember is that people tend to post about the negative occurrences on this thread and not the positives.  So let me take a minute and do that.

I have had 49 AUs between Old Company, New Company, and private sales across seven cards over the past 27 months.

I have had no cards closed.  No impact on me.

One of my cards had a security fraud alert placed on it for a few months.  I had an uncomforable phone call with the security analyst until I realized I could hang up on him.  Waited a few months, called back with some trepidation, went through the security process, and am now adding AUs on that card again.  Total time:  15 minutes.

I received a note on my front door that a repo man had visited.  I called him and told him the guy didn't live here.  Five minutes.

I received about six USAA privacy notices addressed to former AUs.  30 seconds to drop them in recycling.

Of those 49 AUs, only two have not posted.  I did not get paid for those two.

I've been FIREd for about 33 months, and my piggybacking income - which was unplanned when I retired - covers about 25% of my living expenses.

Thank You very much for sharing your experience. I understand that most people have a good experience and donít share it. People who tend to have a problem are the ones who post. At the same time, I have to assume also that not everyone who had a negative experience posted about it necessarily. Though I am comforted to know that most people donít have a problem. Still, I do want to do this conservatively I think once the time comes. Maybe Iím just cautious.

beekayworld

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3062 on: November 17, 2018, 03:32:05 PM »
I also have a BofA with a $21k limit and long credit history I'd like to use for this, but I have a balance transfer on it right now that I'll have to work on paying down.

Is it possible to transfer the balance again (to a new card)? Or is it not allowed because it was a transfer initially? If you can, be on the look-out for a free balance-transfer offer for a new card. That will make your BofA immediately available for use.

Maybe even paying for a balance transfer to another card makes sense. Calculate what you would earn from TL sales vs. what it would cost to transfer the balance to another card.

If you can't do a balance transfer, I would look at all options for paying off the BofA so the card could start earning money. 

For those who are paid by direct deposit- do you think that ups your chances of shut downs? For example, if I'm using a B of A card for TL, and I also bank with them, and then they see a TL company paying me in my checking account, wouldn't that be a huge red flag? Can you request a paper check with both companies?

I did worry about that. I bank with Chase and have a long history. I opened an online savings account elsewhere (BankOnCit which pays a higher interest rate anyway.) It's an easy way to keep track of my TL money as that is the only activity in that account.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3063 on: November 17, 2018, 05:16:53 PM »
Great results, how many cards are you using for tradelines?

I started with seven and am down to six after voluntarily sidelining my USAA card.  I've got one or two more to add when they age past a year.

I will note that some of my cards are way more popular with the AUs than others, but I think I've had multiple sales on all of them.

Also, if anyone is curious, I seem to be very popular with people of Armenian heritage living in California.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3064 on: November 17, 2018, 07:49:06 PM »
+1 on Armenians :)

I have had about 45 AU sales in about 2 years.  That was mostly 2 cards, now up to 4 cards.  Discover did shut me down but that has been the only issue for me.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3065 on: November 18, 2018, 06:09:58 AM »
My only complaint is that I wish I had more cards to put into the system ( :

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3066 on: November 18, 2018, 06:48:33 AM »
Has anyone had experience on how long it takes for your first sale after you start?  I put in 2 cards in August - one Chase with $25k credit limit that has been open 4 years and one Elan with a $25k credit limit that has been open for 10+ years.  If I never get any sales I'm not concerned, but just wondering if I have the wrong type of cards in or maybe it just takes time?

rwaters415

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3067 on: November 18, 2018, 07:00:25 AM »
I also have a BofA with a $21k limit and long credit history I'd like to use for this, but I have a balance transfer on it right now that I'll have to work on paying down.

Is it possible to transfer the balance again (to a new card)? Or is it not allowed because it was a transfer initially? If you can, be on the look-out for a free balance-transfer offer for a new card. That will make your BofA immediately available for use.

Maybe even paying for a balance transfer to another card makes sense. Calculate what you would earn from TL sales vs. what it would cost to transfer the balance to another card.

If you can't do a balance transfer, I would look at all options for paying off the BofA so the card could start earning money. 

For those who are paid by direct deposit- do you think that ups your chances of shut downs? For example, if I'm using a B of A card for TL, and I also bank with them, and then they see a TL company paying me in my checking account, wouldn't that be a huge red flag? Can you request a paper check with both companies?

I did worry about that. I bank with Chase and have a long history. I opened an online savings account elsewhere (BankOnCit which pays a higher interest rate anyway.) It's an easy way to keep track of my TL money as that is the only activity in that account.

Itíll only take me a few months to finish paying off the balance transfer I have, so Iíll just be patient with my BofA card. And as far as getting paid goes, Iím still up in the air about that... Iíll just keep following this thread and see if/when anymore crack downs happen. I have a high yield savings account with betterment. I was thinking of having them deposit the checks there if possible.

beekayworld

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3068 on: November 18, 2018, 08:55:37 AM »
Has anyone had experience on how long it takes for your first sale after you start?  I put in 2 cards in August -...maybe it just takes time?

Every time I add a card to New Company, the name field  says "unavailable" for the first 2 months.

If you're at the new company, look at the "my cards" page, click "expand all".  You'll have the 7-month view which shows 2 or 3 slots under each card. The slots will either have the AU's name, or the word "available" or "unavailable". 

See in which month "available" appeared for each card.  I would suspect the August and September fields say "unavailable"...maybe even October if you joined in late August.  That would mean November is the first month your cards have been available for sales.

Also check "my tasks" just to be sure you didn't miss a task. That's a long shot though as they send both email and text. 

If you don't get any sales this month, call or email them. There may be a reason like your W-9 or bank form didn't upload.
« Last Edit: November 18, 2018, 09:01:51 AM by beekayworld »

chuckster

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3069 on: November 18, 2018, 10:51:55 AM »
Has anyone had experience on how long it takes for your first sale after you start?  I put in 2 cards in August -...maybe it just takes time?

Every time I add a card to New Company, the name field  says "unavailable" for the first 2 months.

If you're at the new company, look at the "my cards" page, click "expand all".  You'll have the 7-month view which shows 2 or 3 slots under each card. The slots will either have the AU's name, or the word "available" or "unavailable". 

See in which month "available" appeared for each card.  I would suspect the August and September fields say "unavailable"...maybe even October if you joined in late August.  That would mean November is the first month your cards have been available for sales.

Also check "my tasks" just to be sure you didn't miss a task. That's a long shot though as they send both email and text. 

If you don't get any sales this month, call or email them. There may be a reason like your W-9 or bank form didn't upload.

That's not exactly right... the past months say "unavailable" because the closing date has already passed. I have a card that closes the 18th of the month, if I log in on the 7th, it shows as Available, but if I log in on the 20th, it's unavailable for that month. So you can't really look at past months and know anything.

beekayworld

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3070 on: November 18, 2018, 02:56:51 PM »
Ah! I see.  So the best they can do is look at "November" and future months and see if they say "unavailable."

katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3071 on: November 18, 2018, 03:25:36 PM »
Has anyone had experience on how long it takes for your first sale after you start?  I put in 2 cards in August - one Chase with $25k credit limit that has been open 4 years and one Elan with a $25k credit limit that has been open for 10+ years.  If I never get any sales I'm not concerned, but just wondering if I have the wrong type of cards in or maybe it just takes time?

It is hard to say.  It boils down to supply & demand.  I don't have any experience with Chase cards for this.  However, I would expect you will see sales on your Elan card.  Good age & limit so it should attract some AU's.

In case you have not seen it, there are some reports of Elan cards getting shut down after a relatively small number of AU's.  I have mine enrolled but assume it will get killed in the next few months or so.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3072 on: November 20, 2018, 05:47:03 AM »
Thanks for all the replies.  I hadn't seen that on Elan, so good to know.  I'm not too worried if it gets shut down.  I have my 17 year old DD on as an AU, but can switch her to another card if it does.  I'm hoping that by having her as an AU (although she doesn't have the use of the cards) on two of our cards will produce a credit score for her when she is 18. 

MasterStache

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3073 on: November 20, 2018, 06:17:35 AM »
Great results, how many cards are you using for tradelines?

I started with seven and am down to six after voluntarily sidelining my USAA card.  I've got one or two more to add when they age past a year.

I will note that some of my cards are way more popular with the AUs than others, but I think I've had multiple sales on all of them.

Also, if anyone is curious, I seem to be very popular with people of Armenian heritage living in California.

My USAA card is by far my best selling and most profitable card. Did USAA request that you stop selling AU spots? That's my fear. 

charuhans

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3074 on: November 20, 2018, 09:33:23 AM »
Has anyone noticed that the secure email function on Citi has vanished? I logged in yesterday to sent a message to add SSN for an AU and the only options under "Contact Us" are Chat, Call and Mail.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3075 on: November 20, 2018, 04:09:20 PM »
Great results, how many cards are you using for tradelines?

I started with seven and am down to six after voluntarily sidelining my USAA card.  I've got one or two more to add when they age past a year.

I will note that some of my cards are way more popular with the AUs than others, but I think I've had multiple sales on all of them.

Also, if anyone is curious, I seem to be very popular with people of Armenian heritage living in California.

My USAA card is by far my best selling and most profitable card. Did USAA request that you stop selling AU spots? That's my fear.

Essentially, yes.  I sold several AUs on it, and then they called me about my activity.  They used the "We're disappointed in you" approach, which worked with my personality.  So I told them I would stop and I have.

I also have several other banking and insurance products with USAA and have been a member with them for over 30 years, so I felt it was worth protecting the relationship.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3076 on: November 20, 2018, 07:41:02 PM »
Has anyone noticed that the secure email function on Citi has vanished? I logged in yesterday to sent a message to add SSN for an AU and the only options under "Contact Us" are Chat, Call and Mail.

I had read they were doing away with the secure email, I think it was on Doctor of Credit.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3077 on: November 20, 2018, 08:33:25 PM »
A question about Barclays. I just tried to add an AU on their website as usual. After entering all the information, proceeding to add an AU and answering a security question, i was sent to the account summary page for that card instead of getting a confirmation that it has been added. I checked the list of AUs and didn't see the new one. Also, i always get an email confirmation after adding AUs but this time i didn't. 

Does anybody know what could have happened there? I did add quite a lot of AUs to this card but don't know exactly how many. Could it be that I have hit the limit on the number of AUs? I didn't get any warnings or messages about that though. Everything was as usual except no confirmation. What should i do?
« Last Edit: November 20, 2018, 08:44:55 PM by Padonak »

katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3078 on: November 21, 2018, 01:48:28 PM »
A question about Barclays. I just tried to add an AU on their website as usual. After entering all the information, proceeding to add an AU and answering a security question, i was sent to the account summary page for that card instead of getting a confirmation that it has been added. I checked the list of AUs and didn't see the new one. Also, i always get an email confirmation after adding AUs but this time i didn't. 

Does anybody know what could have happened there? I did add quite a lot of AUs to this card but don't know exactly how many. Could it be that I have hit the limit on the number of AUs? I didn't get any warnings or messages about that though. Everything was as usual except no confirmation. What should i do?

Is it showing now?  Did you get an email confirming it?

If not, do you think you have done more than 20 AUs on that card?  I hit the limit of AUs on a barclay card around 35.  When I went to add the next one, it would give a web site error message.  Eventually, a phone rep told me I had hit the limit (very nicely - they don't seem to care).

Hope this helps.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3079 on: November 21, 2018, 08:10:50 PM »
A question about Barclays. I just tried to add an AU on their website as usual. After entering all the information, proceeding to add an AU and answering a security question, i was sent to the account summary page for that card instead of getting a confirmation that it has been added. I checked the list of AUs and didn't see the new one. Also, i always get an email confirmation after adding AUs but this time i didn't. 

Does anybody know what could have happened there? I did add quite a lot of AUs to this card but don't know exactly how many. Could it be that I have hit the limit on the number of AUs? I didn't get any warnings or messages about that though. Everything was as usual except no confirmation. What should i do?

Is it showing now?  Did you get an email confirming it?

If not, do you think you have done more than 20 AUs on that card?  I hit the limit of AUs on a barclay card around 35.  When I went to add the next one, it would give a web site error message.  Eventually, a phone rep told me I had hit the limit (very nicely - they don't seem to care).

Hope this helps.
Edit: just tried adding the same AU online one more time and this time it did work as usual with account showing and instant email confirmation.

Not sure what went wrong yesterday.

Yes I did more than 20, not sure if I did 35.

Did you manage to reset that limit?
« Last Edit: November 21, 2018, 08:44:20 PM by Padonak »

toppdealer

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3080 on: November 22, 2018, 07:47:37 AM »
I have two Discover IT cards. One of them got shut down yesterday from Discover after about 11-12 AU slots in the last five months.

I called in to find out why. Was only able to be told it was a "Business decision" and given an address I could write to for more specifics.

Never overdue or late on this card.

I do have three other cards with other banks with high balances (0% bt). I don't know if that triggered it or the AU slots.

They still left me with my second Discover IT card (which is 5 1/2 years old)

Anyways - 11 slots at $150 each was worth it. ($1650).

I just had the same experience. Tried to use the card and got declined. Called in and they said the notes stated ďwe made a business decision to close your cardĒ. They are mailing my bonus and gave me a physical address as the only place to contact with questions. Anyone have success in reopening a closed Discover account? Mine is 5 years old with $29k limit. Have added about 2-3 AU/mo since Feb. makes me concerned about my other cards- Chase, Citi, etc.

monarda

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3081 on: November 22, 2018, 09:44:53 AM »
You're lucky they mailed your bonus. I lost mine from US Bank when my card was closed.

I haven't used my Discover yet for AUs, (it's only 1.5 years old) but I've been really happy with their customer service when I've contacted them for other issues.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3082 on: November 22, 2018, 10:09:37 AM »
Great results, how many cards are you using for tradelines?

I started with seven and am down to six after voluntarily sidelining my USAA card.  I've got one or two more to add when they age past a year.

I will note that some of my cards are way more popular with the AUs than others, but I think I've had multiple sales on all of them.

Also, if anyone is curious, I seem to be very popular with people of Armenian heritage living in California.

My USAA card is by far my best selling and most profitable card. Did USAA request that you stop selling AU spots? That's my fear.

Essentially, yes.  I sold several AUs on it, and then they called me about my activity.  They used the "We're disappointed in you" approach, which worked with my personality.  So I told them I would stop and I have.

I also have several other banking and insurance products with USAA and have been a member with them for over 30 years, so I felt it was worth protecting the relationship.

I am considering putting my tradeline selling on hold with them in 2019. I have been with USAA for roughly 20 years now so I would hate to ruin my relationship with them as well. I've sold 6 spots in 8 months so I might be pushing that limit.

katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3083 on: November 23, 2018, 12:00:13 PM »
Edit: just tried adding the same AU online one more time and this time it did work as usual with account showing and instant email confirmation.

Not sure what went wrong yesterday.

Yes I did more than 20, not sure if I did 35.

Did you manage to reset that limit?

No, I didn't find a way to reset the limit on AUs on that card.  It was my best seller too.  I have read that a product downgrade/product change works.  Unfortunately, there is no option for the card I have.  I am thinking it will be worthwhile to sign-up for new BC cards that are able to be downgraded.

ducky19

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3084 on: November 24, 2018, 03:46:47 PM »
A question about Barclays. I just tried to add an AU on their website as usual. After entering all the information, proceeding to add an AU and answering a security question, i was sent to the account summary page for that card instead of getting a confirmation that it has been added. I checked the list of AUs and didn't see the new one. Also, i always get an email confirmation after adding AUs but this time i didn't. 

Does anybody know what could have happened there? I did add quite a lot of AUs to this card but don't know exactly how many. Could it be that I have hit the limit on the number of AUs? I didn't get any warnings or messages about that though. Everything was as usual except no confirmation. What should i do?

Is it showing now?  Did you get an email confirming it?

If not, do you think you have done more than 20 AUs on that card?  I hit the limit of AUs on a barclay card around 35.  When I went to add the next one, it would give a web site error message.  Eventually, a phone rep told me I had hit the limit (very nicely - they don't seem to care).

Hope this helps.
Edit: just tried adding the same AU online one more time and this time it did work as usual with account showing and instant email confirmation.

Not sure what went wrong yesterday.

Yes I did more than 20, not sure if I did 35.

Did you manage to reset that limit?

I've had this happen before, I just usually wait a while then try again. Here's a tip though - if you don't see the AU on your list of users, it wasn't added and you'll need to try again.

Unique User

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3085 on: November 26, 2018, 06:43:11 AM »
Can someone PM me with the info on old company and new company?  Iím only signed up with one and not sure which they are. Assume both companies are reputable.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3086 on: November 26, 2018, 11:14:57 AM »
Can someone PM me with the info on old company and new company?  Iím only signed up with one and not sure which they are. Assume both companies are reputable.

PM sent.

ThatGuy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3087 on: November 26, 2018, 10:14:41 PM »
I just recently sold my first two tradelines.  I was shocked and happy to finally get the ball rolling.  Today I received mail from Experian for one of my tradeline buyers.  Near the top of the first page it says Dispute Results.  I'm guessing she is disputing some of the information in her credit history but I really don't understand what this letter is talking about.  The one thing I do understand is under the list of addresses my address is at the top.  I'm not real thrilled with that.  Might have to get a PO Box if I'm going to continue selling tradelines.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3088 on: November 26, 2018, 10:25:04 PM »
I just recently sold my first two tradelines.  I was shocked and happy to finally get the ball rolling.  Today I received mail from Experian for one of my tradeline buyers.  Near the top of the first page it says Dispute Results.  I'm guessing she is disputing some of the information in her credit history but I really don't understand what this letter is talking about.  The one thing I do understand is under the list of addresses my address is at the top.  I'm not real thrilled with that.  Might have to get a PO Box if I'm going to continue selling tradelines.

My guess is that she is disputing your address from her credit history.  If that's the case, it's totally fine.  She's just saying she didn't live there, which is true.

ThatGuy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3089 on: November 27, 2018, 08:25:41 AM »
I just recently sold my first two tradelines.  I was shocked and happy to finally get the ball rolling.  Today I received mail from Experian for one of my tradeline buyers.  Near the top of the first page it says Dispute Results.  I'm guessing she is disputing some of the information in her credit history but I really don't understand what this letter is talking about.  The one thing I do understand is under the list of addresses my address is at the top.  I'm not real thrilled with that.  Might have to get a PO Box if I'm going to continue selling tradelines.

My guess is that she is disputing your address from her credit history.  If that's the case, it's totally fine.  She's just saying she didn't live there, which is true.

That was my original thought but I'm still not sure.  I guess I'll have to contact the tradeline company to see if they can clue me in.

happymuzh

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3090 on: November 27, 2018, 09:09:46 AM »
Woo Hoo!  First Post :)

Took me a few tries to get registered, but now I'm ready to get started with this cool venture!

@ars: Thanks a million (or a hundred thousand, at least) for bringing this to our attention and for so carefully tending the flock.  PM sent for TL co. referrals.

happymuzh

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3091 on: November 27, 2018, 09:14:08 AM »
Woo Hoo!  First Post :)

Took me a few tries to get registered, but now I'm ready to get started with this cool venture!

@ars: Thanks a million (or a hundred thousand, at least) for bringing this to our attention and for so carefully tending the flock.  PM sent for TL co. referrals.

Funny how my @ reference got redirected to a different user. I was of course aiming at arebelspy.

=)

happymuzh

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3092 on: November 27, 2018, 02:52:14 PM »
Thanks ARS for your reply about the TL companies!

I tried to respond to your PM, but I can't for the life of me figure out which blog post is the "first blog post".  The oldest?  The one on the front page?  I understand the desire for security, but that's seriously annoying!

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3093 on: November 27, 2018, 03:11:16 PM »
Thanks ARS for your reply about the TL companies!

I tried to respond to your PM, but I can't for the life of me figure out which blog post is the "first blog post".  The oldest?  The one on the front page?  I understand the desire for security, but that's seriously annoying!

Yeah, the first is the oldest one,  "Meet Mr Money Mustache". You can find all posts here.

Feel free to email me directly using the email address I PM'd you, if you like or have more questions. :)

We are two former teachers who accumulated a bunch of real estate, retired at 29, spent some time traveling the world full time and are now settled with three kids.
If you want to know more about us, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (rarely) blog at AdventuringAlong.com. Check out our Now page to see what we're up to currently.

SilverAg47

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3094 on: November 27, 2018, 06:58:28 PM »
I am such an idiot.  I received an AU card in the mail today and in trying to activate the card I noticed that I mixed up the First and Last name.   And since it is a Barclay card, I did not provide the SSN because they seem to post with just the Name, DOB and address.  Now I have to figure out how to fix this mess...

Whoops!

Although I also never bother with the SSN because they post with just the name, dob, address (the stuff you can put in online, without calling), in this case I'd likely call in now and add the SSN and hope that it still posts with the first/last name reversed (using the DOB, address, and SSN as enough info).

I took your advice and called in with the SSN.  Well, today I logged onto my order history and this one shows up as posted now!  Thanks! 

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3095 on: November 27, 2018, 07:08:36 PM »
Excellent! Thanks for the followup. :)
We are two former teachers who accumulated a bunch of real estate, retired at 29, spent some time traveling the world full time and are now settled with three kids.
If you want to know more about us, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (rarely) blog at AdventuringAlong.com. Check out our Now page to see what we're up to currently.

happymuzh

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3096 on: November 27, 2018, 10:39:24 PM »
Thanks ARS for your reply about the TL companies!

I tried to respond to your PM, but I can't for the life of me figure out which blog post is the "first blog post".  The oldest?  The one on the front page?  I understand the desire for security, but that's seriously annoying!

Yeah, the first is the oldest one,  "Meet Mr Money Mustache". You can find all posts here.

Awesome!  You're a champ!
I got the puzzles all figured out now (I generally have to listen to the letters, since my old eyes can't handle the captchas... my wife laughs at me when I smear the screen with my nose trying to read them! :) so I guess I'm officially part of the mustache community, though only slightly stubbly...
Feel free to email me directly using the email address I PM'd you, if you like or have more questions. :)

toddmkl

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3097 on: November 28, 2018, 12:36:48 PM »
I have been renting my credit score since January 2017.  This works but is risky like mentioned throughout this thread.

Really the only risk is your card being cancelled which can drop your total average Credit age which I believe affects your credit score a bit.  Hasn't really afffected mine enough to worry about it.

Also since your credit is tied to your name and thus a phone number you will get calls from Debt Collectors unless you change your phone number on your account.

You will get mail to your address addressed to those authorized users you have added in the past. Best bet is to just shred them and throw them away.  These mailings can be anywhere from credit card offers to traffic tool violations that that person you added hasn't paid or defaulted on a loan, etc, etc.  If you are living with someone else this can be a problem unless you want all your mail directed to a PO Box which isn't ideal either.

I had a few of my cards cancelled/put on restriction mode on me.  Best Buy Citi, Discover Card and Capital One all sent me letters stating that they have cancelled my card/put on hold/fraud suspicion, etc.  ONce that happens there is nothing that can be done to  save it.

Oh, and Capital ONe actually wanted me to go back over a year of Authorized users and send them pictures of the users drivers licenses FRONT AND BACK along with SS# etc. THere was no way I could provide that information b/c I work with a middle man who gets some of that information but not pictures of licenses, onl information and sometimes SS#'s and pictures of licenses but not always b/c only Discover requested photographs for proof.

Now I get TONS AND TONS Of hard back type envelopes from Capital One with Credit card offers to my house with those other peoples names on them. Capital One actually has my card on Restriction, so it's not technically cancelled but has been restricted for almost a year now. 

If you can deal with those annoyances this is worth it. It's certaintle worth it to me!  :)

Now with the companies in this thread I"m not sure you have to deal with these issues but I like the person I deal with and it's hassle free otherwise.

Oh, and I mentioned this to family memembers and they wanted NO part of it and I didn't stop hearing about it for at least 2 weeks.  They think it's a crime but and it can't be that easy etc. .. but it really is NOT A CRIME but does carry a bit of risk as far as cancellation is concerned. 







Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3098 on: November 28, 2018, 12:42:25 PM »
Quote
Oh, and I mentioned this to family memembers and they wanted NO part of it and I didn't stop hearing about it for at least 2 weeks.  They think it's a crime but and it can't be that easy etc. .. but it really is NOT A CRIME but does carry a bit of risk as far as cancellation is concerned. 

The first rule of tradelines is.....you don't talk about tradelines.

My son has some idea (he's 22) but I continuously throw him off, talking about the low balance forgiveness cards I use to get free gas every month.  I would not tell my wife in a million years what's going on.

frozen

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3099 on: November 28, 2018, 01:52:31 PM »
Oh, and I mentioned this to family memembers and they wanted NO part of it and I didn't stop hearing about it for at least 2 weeks.  They think it's a crime but and it can't be that easy etc. .. but it really is NOT A CRIME but does carry a bit of risk as far as cancellation is concerned.

If you read CreditBoards, there is a recent thread there on Tradelines. Their stance is that selling tradelines is illegal, although I have not seen them cite any evidence. But as a site focused on do it yourself credit repair, score improvement, and qualifying for credit cards, it makes sense for them to take that view.