Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 1149088 times)

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3250 on: January 25, 2019, 08:32:31 AM »
I get both text and email from both companies to add and to remove.  The old company's web page is nice in that it shows how many spots are sold and how many total spots are available for each card.  So I know that if one card says 2/2, that it's not going to be sold until at least one AU is removed.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3251 on: January 25, 2019, 08:40:06 AM »
Quote
Is it possible with AAdvantage cards? If possible, the cards don't have high enough credit lines for me to be able to make decent money on them. It's still better than nothing, so that's probably what I'll try to do.

A bit out of date, but I PC'd an AAdvantage card a couple years ago. I went to a Dividend, but they REALLY wanted me to switch to a Double Cash instead. I bet they would be happy to switch you over to a Double Cash, maybe several other options if you ask nicely/persistently enough. I think there is also a no-fee Aadvantage that is rarely mentioned that you could downgrade to.  However, I doubt that it would be possible to switch to a different co-branded card.

On another note, I just finished reading the entire thread. Overall, it seems like the new company has somewhat better rates, but frequently requires nudging to get paid and is overall sloppier. As far as I have seen, the new company is also the only one who has had "bad eggs" - people the CC companies have flagged for fraud - slip through their system, if just a few. Does that mesh with everyone's current experience?

Did you have to wait a year since opening your Citi card to be able to product change to another card? I tried to product change a business card to avoid paying an annual fee and the rep on the phone said that he couldn't change it before one year anniversary. It was a business card, useless for tradelines, so I just closed it.

nightzephyr

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3252 on: January 25, 2019, 02:47:55 PM »
@ Padonak

Yes, I did have to wait a year. That doesn't mean you have to pay the annual fee. They will charge it, but it's refundable if you cancel or product change within 30 (I think - may be more or less) days.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3253 on: January 25, 2019, 03:46:15 PM »
@ Padonak

Yes, I did have to wait a year. That doesn't mean you have to pay the annual fee. They will charge it, but it's refundable if you cancel or product change within 30 (I think - may be more or less) days.

Got it, thanks, yes that's what I'll do with my Citi AA cards.

hgjjgkj

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3254 on: January 31, 2019, 08:23:43 AM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

ducky19

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3255 on: January 31, 2019, 10:25:13 AM »
The tradeline company should be able to provide you with whatever documentation is requested by the CC company. That's extremely odd though, Barclays has never requested anything from me (or anyone else that I'm aware of). They are the gold standard for ease of use in the tradeline industry. Contact the tradeline company though, they should have what you need.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3256 on: January 31, 2019, 10:33:39 AM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Wow, really?  First, I don't know too many people who even have their SS card any more.  Second, I thought the government said you're not supposed to give your card to anyone, and you're not really supposed to give your SSN to anyone unless it's for official government purposes.

I'd consider (a) asking them to add without the SS card based on the above principles, (b) tell them they can't ask for the SS card because it violates US federal law (maybe it does?) and see what they say, (c) wait and see; maybe they'll add the AU anyway (not likely), or (d) give up and tell the TL company it didn't work this time.

Is this with new TL company?  I had an issue like yours and it was with new TL company and Barclays.

missundecided

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3257 on: January 31, 2019, 10:48:04 AM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Wow, really?  First, I don't know too many people who even have their SS card any more.  Second, I thought the government said you're not supposed to give your card to anyone, and you're not really supposed to give your SSN to anyone unless it's for official government purposes.

I'd consider (a) asking them to add without the SS card based on the above principles, (b) tell them they can't ask for the SS card because it violates US federal law (maybe it does?) and see what they say, (c) wait and see; maybe they'll add the AU anyway (not likely), or (d) give up and tell the TL company it didn't work this time.

Is this with new TL company?  I had an issue like yours and it was with new TL company and Barclays.

Unrelated to TLs, but when I opened a new credit union account last year, they needed a copy of my SS card. They didn't want to see anything else that would have my SSN, such as payroll stubs or tax statements, nor even a copy of my passport. I had to request a new one from the SSA because I didn't have it anymore, so that was a bit of a bother.

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3258 on: January 31, 2019, 12:36:09 PM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Wow, really?  First, I don't know too many people who even have their SS card any more.  Second, I thought the government said you're not supposed to give your card to anyone, and you're not really supposed to give your SSN to anyone unless it's for official government purposes.

I'd consider (a) asking them to add without the SS card based on the above principles, (b) tell them they can't ask for the SS card because it violates US federal law (maybe it does?) and see what they say, (c) wait and see; maybe they'll add the AU anyway (not likely), or (d) give up and tell the TL company it didn't work this time.

Is this with new TL company?  I had an issue like yours and it was with new TL company and Barclays.

I thought the deal with Barclays was that you put in the info online and it'll post without a social.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3259 on: January 31, 2019, 12:46:18 PM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Wow, really?  First, I don't know too many people who even have their SS card any more.  Second, I thought the government said you're not supposed to give your card to anyone, and you're not really supposed to give your SSN to anyone unless it's for official government purposes.

I'd consider (a) asking them to add without the SS card based on the above principles, (b) tell them they can't ask for the SS card because it violates US federal law (maybe it does?) and see what they say, (c) wait and see; maybe they'll add the AU anyway (not likely), or (d) give up and tell the TL company it didn't work this time.

Is this with new TL company?  I had an issue like yours and it was with new TL company and Barclays.

I thought the deal with Barclays was that you put in the info online and it'll post without a social.

Huh, you're right.  I have two AUs on my Barclays now and there is a place to add them without a SSN.

I should clarify something.  When I wrote "I had an issue like yours", it was similar only in that Barclays took issue with one of the AUs I added.  They didn't ask for the AUs SS card, but they did freeze my account for a few months.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3260 on: January 31, 2019, 06:25:59 PM »
With barclaycard, if it's no longer possible to add an AU online (likely due to hitting the limit on this card), has anybody tried to add the same AU over the phone? If so, did it work?

I have a card for which I'm sure I hit the limit, because multiple attempts to add new AUs failed. I reported it as lost and got a new card, still have the same problem. Product change is not an option for this particular card according to the representative on the phone. The last thing i can try is to add the AU over the phone... not sure if it's worth trying, perhaps it could trigger an additional review.


beekayworld

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3261 on: January 31, 2019, 09:58:44 PM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Several months ago Capital One required color copies of the every AU I'd ever added.  The New Company sent them to me. One was rejected by CapOne because it wasn't signed and another was rejected because it was black and white. Now my account is restricted.

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3262 on: February 01, 2019, 06:56:37 AM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Several months ago Capital One required color copies of the every AU I'd ever added.  The New Company sent them to me. One was rejected by CapOne because it wasn't signed and another was rejected because it was black and white. Now my account is restricted.

This is somewhat amusing to me.  But only because I consider all of my tradeline cards to be burners that I don't use them for anything but tradelines or low balance forgiveness in off months.  If Cap One did this to me, I'd ignore them, remove the card from the tradeline account and throw it in the sock drawer.  I'll go a step further.....if any card ever asks me anything about some old AU, they're done.  I guess I can say that with a dozen eligible cards.  F them.  They can put some hoops in front of me and I'm going to pee on them, splash some gas and light them on fire.

katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3263 on: February 01, 2019, 07:08:22 AM »
With barclaycard, if it's no longer possible to add an AU online (likely due to hitting the limit on this card), has anybody tried to add the same AU over the phone? If so, did it work?

I have a card for which I'm sure I hit the limit, because multiple attempts to add new AUs failed. I reported it as lost and got a new card, still have the same problem. Product change is not an option for this particular card according to the representative on the phone. The last thing i can try is to add the AU over the phone... not sure if it's worth trying, perhaps it could trigger an additional review.

You could try but I doubt it will work.  I was in that same boat a few months ago.  The rep will be confused for a while too as to why it isn't working over the phone.  They eventually get a supervisor involved and find the AU limit.

chuckster

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3264 on: February 01, 2019, 08:43:52 AM »
Honestly, being able to comply with the CC company's request for old documents from past AUs seems like it'd be more suspicious. I always say the relationship is 'contractor', which they usually can only classify as "other" in their records. "I'm not going to track down the day laborer hired by the guy that fixed my floors eight months ago, so you're not getting copies of his SS card... What are you going to do about it? Cancel my card then if it's such a big deal for you."


therethere

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3265 on: February 01, 2019, 08:49:43 AM »
With barclaycard, if it's no longer possible to add an AU online (likely due to hitting the limit on this card), has anybody tried to add the same AU over the phone? If so, did it work?

I have a card for which I'm sure I hit the limit, because multiple attempts to add new AUs failed. I reported it as lost and got a new card, still have the same problem. Product change is not an option for this particular card according to the representative on the phone. The last thing i can try is to add the AU over the phone... not sure if it's worth trying, perhaps it could trigger an additional review.

You could try but I doubt it will work.  I was in that same boat a few months ago.  The rep will be confused for a while too as to why it isn't working over the phone.  They eventually get a supervisor involved and find the AU limit.

Right now Barclay is my only tradeline card. Can anyone provide datapoints for what the AU limit might be (including over period of time)?

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3266 on: February 01, 2019, 09:44:18 AM »

Right now Barclay is my only tradeline card. Can anyone provide datapoints for what the AU limit might be (including over period of time)?

AFAIK about 34-35 lifetime limit. Some people report that they reset it by changing product. My card isn't eligible for product change.

hgjjgkj

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3267 on: February 01, 2019, 12:10:47 PM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Wow, really?  First, I don't know too many people who even have their SS card any more.  Second, I thought the government said you're not supposed to give your card to anyone, and you're not really supposed to give your SSN to anyone unless it's for official government purposes.

I'd consider (a) asking them to add without the SS card based on the above principles, (b) tell them they can't ask for the SS card because it violates US federal law (maybe it does?) and see what they say, (c) wait and see; maybe they'll add the AU anyway (not likely), or (d) give up and tell the TL company it didn't work this time.

Is this with new TL company?  I had an issue like yours and it was with new TL company and Barclays.

It was the new company. Also the new company says that if you add online barclays wont let you put the social in so you have to call. The new company claims without the social it wont post

DavidAnnArbor

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3268 on: February 01, 2019, 12:15:07 PM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Wow, really?  First, I don't know too many people who even have their SS card any more.  Second, I thought the government said you're not supposed to give your card to anyone, and you're not really supposed to give your SSN to anyone unless it's for official government purposes.

I'd consider (a) asking them to add without the SS card based on the above principles, (b) tell them they can't ask for the SS card because it violates US federal law (maybe it does?) and see what they say, (c) wait and see; maybe they'll add the AU anyway (not likely), or (d) give up and tell the TL company it didn't work this time.

Is this with new TL company?  I had an issue like yours and it was with new TL company and Barclays.

It was the new company. Also the new company says that if you add online barclays wont let you put the social in so you have to call. The new company claims without the social it wont post

That's a real contradiction to what arebelspy has said in the past about Barclays

katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3269 on: February 01, 2019, 12:51:50 PM »
SSN is not needed for BC cards in my experience.  I don't advocate breaking either company's rules so do what you wish.

hgjjgkj

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3270 on: February 01, 2019, 12:57:05 PM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Wow, really?  First, I don't know too many people who even have their SS card any more.  Second, I thought the government said you're not supposed to give your card to anyone, and you're not really supposed to give your SSN to anyone unless it's for official government purposes.

I'd consider (a) asking them to add without the SS card based on the above principles, (b) tell them they can't ask for the SS card because it violates US federal law (maybe it does?) and see what they say, (c) wait and see; maybe they'll add the AU anyway (not likely), or (d) give up and tell the TL company it didn't work this time.

Is this with new TL company?  I had an issue like yours and it was with new TL company and Barclays.

It was the new company. Also the new company says that if you add online barclays wont let you put the social in so you have to call. The new company claims without the social it wont post

That's a real contradiction to what arebelspy has said in the past about Barclays

I have talked to Arebelspy a lot but never on this topic of Barclays. I am just going by the adding instructions the company gives in their dashboard. I'll post back and let the thread know how it goes

threepacballer

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3271 on: February 03, 2019, 03:27:47 PM »
Just got shut down with Chase. I had two cards with new company for about nine months. The letter stated they were closing account because of Adding and/or removing multiple authorized users in a short period of time. Both accounts received the same letter. I had 5 adds on the higher limit card during that time and none on my other card. I had been with them over 10 years.

Cries

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3272 on: February 03, 2019, 09:41:29 PM »
Just got shut down with Chase. I had two cards with new company for about nine months. The letter stated they were closing account because of Adding and/or removing multiple authorized users in a short period of time. Both accounts received the same letter. I had 5 adds on the higher limit card during that time and none on my other card. I had been with them over 10 years.
Sorry for your loss.  How many AUs in total did you put on  each Chase card in that 9months?

dlawson

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3273 on: February 03, 2019, 09:44:29 PM »
Just got shut down with Chase. I had two cards with new company for about nine months. The letter stated they were closing account because of Adding and/or removing multiple authorized users in a short period of time. Both accounts received the same letter. I had 5 adds on the higher limit card during that time and none on my other card. I had been with them over 10 years.

Did they shut down all your accounts or just the AU account?

flashflooder

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3274 on: February 04, 2019, 07:30:44 AM »
Chase shuts down ALL your accounts.

threepacballer

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3275 on: February 04, 2019, 08:51:20 AM »
I had 5 AU's in total on one card during that period. Yes, they shut down all my accounts. The one card did not have any AU's at all but they also shut it down as it is their policy. I got the same letter for the card that had no AU's ever added saying it had too many adds even though that card had none. I have stellar credit and been with them a long time so this sucks.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3276 on: February 04, 2019, 10:46:12 AM »
I had 5 AU's in total on one card during that period. Yes, they shut down all my accounts. The one card did not have any AU's at all but they also shut it down as it is their policy. I got the same letter for the card that had no AU's ever added saying it had too many adds even though that card had none. I have stellar credit and been with them a long time so this sucks.

What was the maximum number of AUs that you had on the first card at any given point in time?

dlawson

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3277 on: February 04, 2019, 01:17:07 PM »
I had 5 AU's in total on one card during that period. Yes, they shut down all my accounts. The one card did not have any AU's at all but they also shut it down as it is their policy. I got the same letter for the card that had no AU's ever added saying it had too many adds even though that card had none. I have stellar credit and been with them a long time so this sucks.

Have you tried calling and asking to be reinstated? Odds of reinstatement are generally very good if Chase shuts you down for suspected bust-out/velocity concerns; it would be worth trying in this case as well.

hgjjgkj

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3278 on: February 04, 2019, 04:00:19 PM »
Had an issue with barclays. They demanded a physical copy of the AU's SS card. Obviously didnt have it. Not sure what to do

Wow, really?  First, I don't know too many people who even have their SS card any more.  Second, I thought the government said you're not supposed to give your card to anyone, and you're not really supposed to give your SSN to anyone unless it's for official government purposes.

I'd consider (a) asking them to add without the SS card based on the above principles, (b) tell them they can't ask for the SS card because it violates US federal law (maybe it does?) and see what they say, (c) wait and see; maybe they'll add the AU anyway (not likely), or (d) give up and tell the TL company it didn't work this time.

Is this with new TL company?  I had an issue like yours and it was with new TL company and Barclays.

It was the new company. Also the new company says that if you add online barclays wont let you put the social in so you have to call. The new company claims without the social it wont post

That's a real contradiction to what arebelspy has said in the past about Barclays

I have talked to Arebelspy a lot but never on this topic of Barclays. I am just going by the adding instructions the company gives in their dashboard. I'll post back and let the thread know how it goes

Wanted to update anyone interested. I added the other Barclay AU by phone with no problems. Going to call again tonight to straighten out the other ad

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3279 on: February 05, 2019, 06:28:54 AM »
When does the new company send out 1099's?  I got one from the old company already along with every bank I have money in and every brokerage and every W2.  Don't see anywhere on the site where they'd be.

NinetyFour

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3280 on: February 05, 2019, 06:50:38 AM »
When does the new company send out 1099's?  I got one from the old company already along with every bank I have money in and every brokerage and every W2.  Don't see anywhere on the site where they'd be.

I haven't received mine either.  And I couldn't find it on the site.  I e-mailed them, but have not gotten a reply yet.  :(

threepacballer

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3281 on: February 05, 2019, 07:00:41 AM »
I never had more than 2 adds on the Chase card at one time. I have not tried to be reinstated but I will give that a shot. Was not aware that was a possibility. Thanks for the suggestion. Will let you know what happens.

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3282 on: February 05, 2019, 07:52:43 AM »
I received a hard copy W2 in the mail yesterday from the new company.

dlawson

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3283 on: February 05, 2019, 11:54:56 AM »
New Old company emailed me a password-protected copy of my 1099, so I assume they aren't sending hard copies. I suggest checking your emails.
« Last Edit: February 05, 2019, 01:28:40 PM by dlawson »

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3284 on: February 05, 2019, 12:14:43 PM »
New company emailed me a password-protected copy of my 1099, so I assume they aren't sending hard copies. I suggest checking your emails.

I got one from the old company.  I'll check my snail mail today.

dlawson

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3285 on: February 05, 2019, 01:27:42 PM »
New company emailed me a password-protected copy of my 1099, so I assume they aren't sending hard copies. I suggest checking your emails.

I got one from the old company.  I'll check my snail mail today.

Sorry, I meant old company! I onboarded with them in reverse order and always get the pseudonyms mixed up. New company sent me a physical 1099; old company sent me an electronic 1099.

medinaj2160

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3286 on: February 05, 2019, 07:56:48 PM »
I get both text and email from both companies to add and to remove.  The old company's web page is nice in that it shows how many spots are sold and how many total spots are available for each card.  So I know that if one card says 2/2, that it's not going to be sold until at least one AU is removed.

Lame. I forgot to remove some AU's last month and I didn't get and email or text.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3287 on: February 07, 2019, 05:39:28 PM »
New company sent me a physical 1099; old company sent me an electronic 1099.

Yep, everyone should have gotten a 1099 from new company in the mail this week, and an electronic one from old company via email/portal a week or two ago.

Note that you may not receive a 1099 if the amount earned was less than $600 but you are still responsible for reporting the income on your taxes.
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wudged

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3288 on: February 08, 2019, 04:39:12 AM »
Just posting to say that I did receive a 1099 from the new company even though it was less than $600.  So anybody who may be trying to skirt reporting that income - beware.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3289 on: February 08, 2019, 06:52:24 AM »
Just posting to say that I did receive a 1099 from the new company even though it was less than $600.  So anybody who may be trying to skirt reporting that income - beware.

Is there a way to check online which companies sent you 1099s and for what amounts for 2018 tax year before you file taxes?

For example, in case one of the 1099s gets lost in the mail or you change an address and by mistake receive a 1099 to your previous address.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3290 on: February 08, 2019, 09:50:53 AM »
Just posting to say that I did receive a 1099 from the new company even though it was less than $600.  So anybody who may be trying to skirt reporting that income - beware.

Is there a way to check online which companies sent you 1099s and for what amounts for 2018 tax year before you file taxes?

For example, in case one of the 1099s gets lost in the mail or you change an address and by mistake receive a 1099 to your previous address.

It's not public information, so no, it wouldn't be online.

But what you should be doing is keeping track throughout the year of your taxable income and where it came from.  You can also find out the deadlines for when the forms need to be sent.  Then if a 1099 or other tax form does not show up, you can call the company or person who should have sent it to you and investigate.  I do this.

In theory one should also confirm that the data on the form is accurate.  I usually don't do this; as long as the numbers are in the ballpark I assume they are correct.  Especially for complicated tax form like those related to stock options exercises.

kpd905

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3291 on: February 08, 2019, 10:14:37 AM »
Just posting to say that I did receive a 1099 from the new company even though it was less than $600.  So anybody who may be trying to skirt reporting that income - beware.

Is there a way to check online which companies sent you 1099s and for what amounts for 2018 tax year before you file taxes?

For example, in case one of the 1099s gets lost in the mail or you change an address and by mistake receive a 1099 to your previous address.

The Wage and Income Transcript listed on this page will show all banks/companies that reported 1099 income: https://www.irs.gov/individuals/tax-return-transcript-types-and-ways-to-order-them

topshot

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3292 on: February 11, 2019, 09:31:46 AM »
My 30-year BoA card was just closed (supposedly during a periodic review) for irregular AU activity. I don't know whether the rep really couldn't or just wouldn't give me more details when I pressed him several times such as what would constitute irregular activity or why their site says it's "a great way to extend your credit line" to others.

I requested to re-open and he said the reply back was "the terms & conditions you originally agreed to are no longer available". I pressed him on that, too. I can see T&C changing but how do they become unavailable? I wondered if he was just playing with me.

It had 3 current AUs and 9 prior to that since Sep 2017.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3293 on: February 11, 2019, 11:26:19 AM »
My 30-year BoA card was just closed (supposedly during a periodic review) for irregular AU activity. I don't know whether the rep really couldn't or just wouldn't give me more details when I pressed him several times such as what would constitute irregular activity or why their site says it's "a great way to extend your credit line" to others.

I requested to re-open and he said the reply back was "the terms & conditions you originally agreed to are no longer available". I pressed him on that, too. I can see T&C changing but how do they become unavailable? I wondered if he was just playing with me.

It had 3 current AUs and 9 prior to that since Sep 2017.

Emphasis added.  Bummer.  Old Company recommends a max of 2 AUs at a time on BofA cards.

Shade00

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3294 on: February 11, 2019, 12:00:40 PM »
I had my Discover closed last September, probably due to selling tradelines. I would like to get a new Discover account at some point in the near future; anyone who has a had a Discover account closed, have you been able to reapply for a new account? Any idea on how long I'd have to wait? I really liked the Discover card, too.

topshot

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3295 on: February 11, 2019, 03:58:08 PM »
Emphasis added.  Bummer.  Old Company recommends a max of 2 AUs at a time on BofA cards.

That is all I wanted on it and had the company change that when I got the 3rd one. As everyone else says, it's not IF your card will be closed, it's WHEN it will be. I was hoping for another year or 2 at least.

gamzarme

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3296 on: February 12, 2019, 11:03:39 AM »
My 30-year BoA card was just closed (supposedly during a periodic review) for irregular AU activity. I don't know whether the rep really couldn't or just wouldn't give me more details when I pressed him several times such as what would constitute irregular activity or why their site says it's "a great way to extend your credit line" to others.

I requested to re-open and he said the reply back was "the terms & conditions you originally agreed to are no longer available". I pressed him on that, too. I can see T&C changing but how do they become unavailable? I wondered if he was just playing with me.

It had 3 current AUs and 9 prior to that since Sep 2017.

All my BoA accounts were closed. I only had credit cards. The youngest line was on fire, I played with it, and it got me burned. (Senseless, lowest earn tier and 5 AUs - company never asked to remove AUs, just add more.) The oldest line was almost 7 years, altogether over $25k in credit with BoA. All that history is gone. From reading this thread I know that there isn't any hope of having having the accounts reopened. Effective ban from BoA.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3297 on: February 14, 2019, 08:09:21 PM »
You take your chances with selling tradelines. It's not guaranteed.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3298 on: February 14, 2019, 08:46:57 PM »
The last two or three times I added Citicard AUs over the phone, I was asked if i wanted them to issue the card for AU. The last time the rep asked me "if I wanted the card issued or just add that person as an administrator", whatever that means. I opted for issuing the card. Does anybody know what happens if I ask them not to issue one? Will the tradeline still post?

The problem with Citi is that they issue actual cards and mail them to my address but put AU's name on the envelope. Then the postman most of the time doesn't deliver these letters because the name on the mailbox doesn't match the name on the letter.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3299 on: February 15, 2019, 11:46:29 AM »
New company emailed me a password-protected copy of my 1099, so I assume they aren't sending hard copies. I suggest checking your emails.

I got one from the old company.  I'll check my snail mail today.

I haven't got the 1099 from the New Company, yet. I emailed them but as usual no response. I know the amount that they paid me in 2018 but am not confident that they will report it correctly to the IRS. So now am held up and probably will have to request Joe to nudge them.