Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 1149066 times)

DarrellEW

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3300 on: February 15, 2019, 12:31:23 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.

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.

I'm in the same boat. Just e-mailed them and got a reply within minutes. Make sure you e-mail one (or all) of the three employees directly (not sure if we're allowed to share their names), as they don't monitor the 'info' and 'support' e-mail addresses.

Update: Apparently, my 1099 was sent to my old address (from ~1.5 years ago) despite the portal showing my current address. Now working to resolve that issue, but they sent me a PDF of my 1099 in the meantime.
« Last Edit: February 15, 2019, 03:28:11 PM by DarrellEW »

SilverAg47

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3301 on: February 18, 2019, 03:06:42 PM »
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.

I hate that some Credit Card Companies do this.  I have the same problem with letters not being delivered to me because it is not my name on the outside.  I'm signed up for Informed Delivery, so I will see that a card is coming, but then I won't get it because it isn't my name.  So stupid.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3302 on: February 18, 2019, 03:09:04 PM »
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.

I hate that some Credit Card Companies do this.  I have the same problem with letters not being delivered to me because it is not my name on the outside.  I'm signed up for Informed Delivery, so I will see that a card is coming, but then I won't get it because it isn't my name.  So stupid.

The post office has always delivered anything to my address, regardless of the addressee.  I get stuff here for me, my kids, my AUs, the previous homeowners, and my sister.  I'd suggest taking the issue up with your local post office; my understanding is they're not doing their job.

FrontRanger

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3303 on: February 19, 2019, 03:02:03 PM »
Is this below message from Barclays the "death message" of you can't add any more AUs? I have added close to 30+ so far and tried one more and got this message below. Never received it before when adding online.

"We apologize for the inconvenience, but we could not complete your request. Please try again."
« Last Edit: February 19, 2019, 03:26:04 PM by FrontRanger »

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3304 on: February 19, 2019, 05:23:01 PM »
^yes, that was my death message from Barclays

ducky19

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3305 on: February 25, 2019, 01:20:19 PM »
Well, it finally happened. I got letters in the mail today stating that Chase was closing all of my accounts due to "too many requests for credit" and "account not used as intended". I knew it would happen eventually, was just hoping it wouldn't be for a white yet. I really don't mind burning that bridge with Chase as I have other issues with them, and I was able to pocket $1725 before they closed them. I am redoubling my focus on getting new Barclay cards and aging them so that when my current crop maxes out I have new ones coming online. Most other card issuers are becoming a hassle to work with, but Barclay can be done completely online and they don't seem to really give a shit if you're adding users or not.

DavidAnnArbor

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3306 on: February 25, 2019, 02:04:40 PM »
Sorry to hear that Ducky. Hope you were able to transfer any card rewards points out of those credit cards.

ducky19

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3307 on: February 26, 2019, 09:19:50 AM »
I lost about $7 in Amazon rewards and probably 2000 Hyatt points that hadn't posted yet. Otherwise I didn't keep points in there for long, for that reason.

SilverAg47

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3308 on: March 04, 2019, 05:50:05 PM »
For the New Company, was there a price change that occurred on 2/14/19?  When I go to "My Cards" and click the plus sign of any of the cards, I see in the Notes section it mentions a raise in prices and it is dated 2/14/19 with the initials EW.

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3309 on: March 05, 2019, 07:10:24 AM »
I haven't seen any activity for awhile.  I logged into my account thinking I might be not getting any messages, but I don't have any tasks.  However when I check the availability of my card it shows a new person listed for March 2019 and April 2019, but I never received a message to add them.  Their name is followed by (C.O.) for April.  Should I be expecting them to add a task to add this person some time in March?   

therethere

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3310 on: March 05, 2019, 08:24:26 AM »
When I'm going to do my taxes HR Block is making me create a business to input my 1099-MISC from my (1) tradeline. Is there any way to input this so I won't have to pay self employment taxes? Bummed because this and a $800 side gig is forcing me to pay for the $70 small business package from HR Block, or $100 from TurboTax!

merula

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3311 on: March 05, 2019, 09:08:56 AM »
When I'm going to do my taxes HR Block is making me create a business to input my 1099-MISC from my (1) tradeline. Is there any way to input this so I won't have to pay self employment taxes? Bummed because this and a $800 side gig is forcing me to pay for the $70 small business package from HR Block, or $100 from TurboTax!

Not sure how to do this in Turbo Tax, but you can report it as "Other Income" on line 21 of Schedule A. I did the equivalent of this the first year I sold tradelines. It was like $100 and I wasn't sure I would keep doing it or that it would be profitable in the long term, so I figured it would work under a couple of descriptions of "Other Income" described in Publication 525:

Activity not for profit. You must include on your return income from an activity from which you don't expect to make a profit. An example of this type of activity is a hobby or a farm you operate mostly for recreation and pleasure. Enter this income on Schedule 1 (Form 1040), line 21. Deductions for expenses related to the activity are limited. They can't total more than the income you report and can be taken only if you itemize deductions on Schedule A (Form 1040). See Not-for-Profit Activities in chapter 1 of Pub. 535 for information on whether an activity is considered carried on for a profit.

Fees for services. Include all fees for your services in your income. Examples of these fees are amounts you receive for services you perform as:
A corporate director;
An executor, administrator, or personal
representative of an estate;
A manager of a trade or business you operated before declaring Chapter 11 bankruptcy;
A notary public; or
An election precinct official.
If you aren't an employee and the fees for your services from a single payer in the course of the payer's trade or business total $600 or more for the year, the payer should send you Form 1099-MISC.

You can also use a different free tax program like Credit Karma taxes or the free file (AGI under $65k) or free fillable forms from the IRS.

Unique User

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3312 on: March 06, 2019, 05:28:10 AM »
When I'm going to do my taxes HR Block is making me create a business to input my 1099-MISC from my (1) tradeline. Is there any way to input this so I won't have to pay self employment taxes? Bummed because this and a $800 side gig is forcing me to pay for the $70 small business package from HR Block, or $100 from TurboTax!

TaxAct is $57.95 for the Premier package.  Don't forget to go through ebates for 10% back. 

therethere

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3313 on: March 06, 2019, 08:45:30 AM »
When I'm going to do my taxes HR Block is making me create a business to input my 1099-MISC from my (1) tradeline. Is there any way to input this so I won't have to pay self employment taxes? Bummed because this and a $800 side gig is forcing me to pay for the $70 small business package from HR Block, or $100 from TurboTax!

TaxAct is $57.95 for the Premier package.  Don't forget to go through ebates for 10% back.

I was actually able to go through Credit Karma for FREE, including state which I usually have to do separate. It covered everything I was really surprised.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3314 on: March 06, 2019, 10:25:33 AM »
Can everybody report their income as other income and not pay self employment taxes or is there an income limit?

For example, if the total income is a couple of thousand with 1099 recieved from both tradeline companies, does it have to be reported as earned income?

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3315 on: March 06, 2019, 01:56:46 PM »
Can everybody report their income as other income and not pay self employment taxes or is there an income limit?

For example, if the total income is a couple of thousand with 1099 recieved from both tradeline companies, does it have to be reported as earned income?

Everyone should report the income on their tax return in the proper place.

There are criteria - surprisingly a little tricky to find, but if you're persistent you can find them - as to whether it should be reported as self-employment income or other income.

These criteria depend on the facts and circumstances, not on the amount of income.  There is no income limit to either option as far as I know.

topshot

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3316 on: March 09, 2019, 09:19:34 AM »
However when I check the availability of my card it shows a new person listed for March 2019 and April 2019, but I never received a message to add them.  Their name is followed by (C.O.) for April.  Should I be expecting them to add a task to add this person some time in March?
Yes, that is a future spot sold on that card.

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3317 on: March 09, 2019, 06:50:41 PM »
However when I check the availability of my card it shows a new person listed for March 2019 and April 2019, but I never received a message to add them.  Their name is followed by (C.O.) for April.  Should I be expecting them to add a task to add this person some time in March?
Yes, that is a future spot sold on that card.

When are they going to notify me to add them?  Waiting until my billing cycle gets closer so they can jam me up and make it a last minute add?

frogstomp81

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3318 on: March 09, 2019, 07:09:20 PM »
That's normally what they do to me.

arebelspy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3319 on: March 09, 2019, 07:27:43 PM »
However when I check the availability of my card it shows a new person listed for March 2019 and April 2019, but I never received a message to add them.  Their name is followed by (C.O.) for April.  Should I be expecting them to add a task to add this person some time in March?
Yes, that is a future spot sold on that card.

When are they going to notify me to add them?  Waiting until my billing cycle gets closer so they can jam me up and make it a last minute add?

I'd guess it's more to make sure it isn't cancelled.

Does a five minute thing that you have multiple days to do really "jam you up"?
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.
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frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3320 on: March 09, 2019, 08:18:34 PM »
However when I check the availability of my card it shows a new person listed for March 2019 and April 2019, but I never received a message to add them.  Their name is followed by (C.O.) for April.  Should I be expecting them to add a task to add this person some time in March?
Yes, that is a future spot sold on that card.

When are they going to notify me to add them?  Waiting until my billing cycle gets closer so they can jam me up and make it a last minute add?

I'd guess it's more to make sure it isn't cancelled.

Does a five minute thing that you have multiple days to do really "jam you up"?

Depending on how much lead time - yes.  They've given me only 24 hours notice to add someone before.  If I happen to be working a 12+ hour day, or I'm working out of town, or I have other obligations keeping me busy for a day or two, I may not have the time to log on and get the info and make the phone call.  It's also no guarantee to be "a five minute thing" with citi, it might be more like a 20 minute ordeal of sitting on hold and getting transferred to the fraud dept. 

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3321 on: March 11, 2019, 07:09:09 PM »
Has anybody received recent tradeline orders? I haven't gotten any orders since mid February. Seems odd given that I got a few in a row in January and beginning of February. I wonder if it's seasonal?
« Last Edit: March 11, 2019, 07:10:45 PM by Padonak »

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3322 on: March 11, 2019, 07:25:08 PM »
Has anybody received recent tradeline orders? I haven't gotten any orders since mid February. Seems odd given that I got a few in a row in January and beginning of February. I wonder if it's seasonal?

For me it has always gone in spurts.  I think one of the companies says that around tax season it gets busier.

katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3323 on: March 11, 2019, 08:20:54 PM »
It definitely goes in spurts.

I have had a few orders in the past couple of months.

(This is with the old company).

JasonDetwiler

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3324 on: March 13, 2019, 01:57:29 PM »
Citi canceled my TL card as well as my AA miles card.  Fun while it lasted I guess.

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3325 on: March 13, 2019, 06:28:47 PM »
Has anybody received recent tradeline orders? I haven't gotten any orders since mid February. Seems odd given that I got a few in a row in January and beginning of February. I wonder if it's seasonal?

Lots from the old company on $25 paying new cards.  Regular card maybe once a quarter from the old company.  Nothing since about October from the new company.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3326 on: March 13, 2019, 06:51:15 PM »
Citi canceled my TL card as well as my AA miles card.  Fun while it lasted I guess.

Did you call them and ask for the reason?

Just to clarify, you used one Citi card for tradelines and they cancelled all your cards, not only the one you used?

After AA card closure, I hope you can still keep your AA miles. The miles are with the airline, not the bank.

shingy

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3327 on: March 14, 2019, 07:53:12 AM »
Citi canceled my TL card as well as my AA miles card.  Fun while it lasted I guess.
Just to clarify, you used one Citi card for tradelines and they cancelled all your cards, not only the one you used?

I'm curious about that as well as I have one of my Citi cards with the old company and would be ok to lose it, but not my other Citi cards

HBFIRE

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3328 on: March 14, 2019, 06:38:17 PM »
Has anybody received recent tradeline orders? I haven't gotten any orders since mid February. Seems odd given that I got a few in a row in January and beginning of February. I wonder if it's seasonal?

I only use old company.  Didn't have an order since Nov, then got 4 in a row this month.   We're coming into the best season for real estate purchases so I guess it makes some sense.

MasterStache

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3329 on: March 17, 2019, 07:20:09 AM »
I got quite a few of the $25 orders on several cards. All but 1 card aged past 2 years recently and I saw a noticeable decline in sales. Probably overloaded with those types of cards. 

beekayworld

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3330 on: March 17, 2019, 04:50:16 PM »
Has anybody received recent tradeline orders? I haven't gotten any orders since mid February. Seems odd given that I got a few in a row in January and beginning of February. I wonder if it's seasonal?

Nope. i had one in November and nothing since. (new company)

FireEngineer

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3331 on: March 18, 2019, 08:10:51 AM »
Has anybody received recent tradeline orders? I haven't gotten any orders since mid February. Seems odd given that I got a few in a row in January and beginning of February. I wonder if it's seasonal?

Nope. i had one in November and nothing since. (new company)
I've had 2 on my $50 line in February and just got an order on my $225 last week. I just bumped up the limit on my third card, so it will probably take a couple of months before I get orders on it. It always seems like it takes time for the cards to get orders when they go to a higher bracket.

chuckster

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3332 on: March 18, 2019, 04:08:31 PM »
Oh for sure. I have some pretty reliable sellers on small orders, $25-50 each. Nothing but cobwebs on the bigger cards ($150-200+). I'm curious about continuing to pick up little cards if they sell so well, that way I always have something getting interest. I mean, if a card sells 6/8 times a year at $50 I'd rather not have it "age up" and go for $100 or $200 and get only one order a year or two years.

Having what we would consider "desirable" cards... high credit limit, long history, etc... may not be what buyers really need. It might be more efficient for them to just show an increase in available credit/lower utilization that a quick $10-$20,000 increase in available credit on a six-month-old card can provide, and at a lower cost.

SilverAg47

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3333 on: March 18, 2019, 05:51:55 PM »
Selling Tradelines was talked about on The Clark Howard Show today.  Clark broadcasts his radio show all over America and is a huge supporter of the FIRE movement.  He has some interesting points to make against piggybacking.

Link (starts at 8:55): https://clark.com/podcasts/3-18-19-trouble-saving-for-retirement-bad-529-plans-home-ownership-on-the-rise/

HBFIRE

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3334 on: March 18, 2019, 06:42:12 PM »
He has some interesting points to make against piggybacking.

Link (starts at 8:55): https://clark.com/podcasts/3-18-19-trouble-saving-for-retirement-bad-529-plans-home-ownership-on-the-rise/

I listened.  His main point seems to be the AU might be able to get access to the full credit card information and then use the credit card.  I'm not sure how they could obtain all of that information.  Seems very far fetched, mostly because I doubt someone trying to commit CC fraud would utilize that type of methodology (going through a tradeline company).  But mostly because even if they were to call into the credit card company to try to obtain the full CC, wouldn't they need far too much information to accomplish that?  Just having the last 4 digits from their credit report and the name of the primary isn't enough.  I think this guy's concerns are overly imaginative.

topshot

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3335 on: March 18, 2019, 08:04:19 PM »
Agree that Clark has no idea what he's talking about. Even if they could somehow get enough info to impersonate you and claim the card was stolen so they need a new one, the replacement would still be sent to primary card holder address. I suppose there's a non-zero chance the rep wouldn't think it odd that your card got lost AND you need to change your address at the same time, but it would take an awful lot to get to that point. Now if you're being targeted by nation-state baddies....

tj

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3336 on: March 18, 2019, 10:38:28 PM »
My recollection is that credit reports show the first several digits, no the last 4.

HBFIRE

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3337 on: March 18, 2019, 11:00:20 PM »
My recollection is that credit reports show the first several digits, no the last 4.

No, as that would be incredibly insecure given how accessible credit reports are.  I just checked mine, it doesnt provide any of the numbers, all xs for almost every account -- only a couple did provide the last 4 (I have around 35 from churning).  Even when you log into your cc Account it will only provide the last 4.
« Last Edit: March 18, 2019, 11:05:40 PM by HBFIRE »

chuckster

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3338 on: March 18, 2019, 11:34:36 PM »
My recollection is that credit reports show the first several digits, no the last 4.

No, as that would be incredibly insecure given how accessible credit reports are.  I just checked mine, it doesnt provide any of the numbers, all xs for almost every account -- only a couple did provide the last 4 (I have around 35 from churning).  Even when you log into your cc Account it will only provide the last 4.

First 4 only identify the issuing bank, correct? The first digit is the issuer (4 for Visa, 5 for MasterCard, 6 for Discover) and the next 3 are the bank (chase/citi/barclay etc). There's some variation due to the checksum algorithm, but I think only the last 7 or so digits are your actual account number (the very last one is just the checkdigit).

HBFIRE

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3339 on: March 19, 2019, 07:46:30 AM »

First 4 only identify the issuing bank, correct?

Correct, first 4 are pretty meaningless

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3340 on: March 19, 2019, 06:42:46 PM »
Even though discover canceled my account months (a year?) ago, they still send me free credit monitoring alerts, so Ive got that going for me, which is nice

FrontRanger

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3341 on: March 20, 2019, 07:28:32 AM »
Do you guys use the AU cards or just stick them in a drawer? Thinking that Id use them to do the occasional gas or grocery purchase to at least show some usage. Does it even matter?

aetherie

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3342 on: March 20, 2019, 07:42:51 AM »
Do you guys use the AU cards or just stick them in a drawer? Thinking that Id use them to do the occasional gas or grocery purchase to at least show some usage. Does it even matter?

Personally I just stick them in a drawer, and have never had one not post. YMMV.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3343 on: March 20, 2019, 11:33:58 AM »
Do you guys use the AU cards or just stick them in a drawer? Thinking that Id use them to do the occasional gas or grocery purchase to at least show some usage. Does it even matter?

Personally I just stick them in a drawer, and have never had one not post. YMMV.

+1.  (Well I have had one not post, but I've had lots that have posted, so I assume that one didn't post for some other reason.)

frugalnacho

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3344 on: March 20, 2019, 11:50:59 AM »
Do you guys use the AU cards or just stick them in a drawer? Thinking that Id use them to do the occasional gas or grocery purchase to at least show some usage. Does it even matter?

Never activated them and never used them.  I immediately set them aside to be shredded.

katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3345 on: March 20, 2019, 12:35:57 PM »
Agree with the others.  I shred them when received.  I don't request them for issuers that offer that.

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3346 on: March 21, 2019, 07:14:49 AM »
Do you guys use the AU cards or just stick them in a drawer? Thinking that Id use them to do the occasional gas or grocery purchase to at least show some usage. Does it even matter?

I heat my house with a wood furnace.  To start it, I take my "paper" bag from the kitchen, where we put anything burnable and sit it on the bottom of the fire box.  I then take another paper bag full of twigs and put it on the papers.  Then a few pieces of fire wood and light the pile.  Any AU cards get thrown into the paper bag. 

topshot

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3347 on: March 21, 2019, 07:37:06 PM »
Do you guys use the AU cards or just stick them in a drawer? Thinking that Id use them to do the occasional gas or grocery purchase to at least show some usage. Does it even matter?
Somewhere in all these tradeline posts was someone claiming their bank sent AU cards with different acct numbers. In that case, you should use the card. The huge majority of banks issue AU cards with the same number so it doesn't matter. Perhaps they were confused and were trying to use a business card for tradelines??? I don't see why a bank would use different numbers, but that stuck out at me since I found it so odd.

morris08

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3348 on: March 22, 2019, 09:35:01 AM »
BarclayCard uses different account #'s for your AU's.  It definitely comes in handy.  Let's say you add your son as an AU on your Barclaycard to use while he is attending college out-of-town.  You've got 5 or 6 autopays set up on your Barclaycard.   Now,,, one day your son calls and says he lost his card!!!  All you do is contact Barclaycard and they send him a new card (new card #) and BAMM that's it, you don't need to worry about YOUR card!

What if this same thing happened to you but you were using a Chase card (instead of Barclay).  They close YOUR card and send you both new cards so now you have to got into 5 or 6 autopays and set them up...quite a pain!!!   And yes, this was a real life experience for me!  :-)

Yes, I know you can and should use a separate card for the autopays.

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3349 on: March 22, 2019, 01:33:36 PM »
AMEX uses different numbers for AUs.  Not that anyone would use them for tradeline sales, but just as an example....