Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 56104 times)

arebelspy

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Got my first add with new company since joining on Jan 3rd - yay! (coincidentally got one with old company on the same day as well, on a different card that I have with them). Overall it's been a productive day :). Thank you ARS, we have been enjoying the extra cash in our early FIRE days.

Awesome!  :)

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New company wants me to call Citi to make sure the SSN is added. I suppose this is to ensure the tradeline posts correctly, but what a pain. I'll make the 2-5 mins call, but it was nice to just be able to add online and not have to deal with anyone over the phone.

Yeah, the phone calls are a pain in the rear. I love the all online ones.  But I can confirm that one Mustachian's Citi add from January didn't post because he didn't call to add the SSN, only did it online. It'd be a bummer to lose out on $200 (or whatever) just because of the annoyance of a 5 minute call.
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I don't think there's more preferable dates, other than spread out from other cards (but no way to know that)--people buy whenever they need a tradeline.

Your card is quite good, it should max out every month.

To that point, I have some new information pending about upcoming sales.  Give me til the beginning of next week, due to the weekend, but update coming.

Ill be interested to hear. I checked and the card is actually from '99, and the close date is the 10th so I wont get any this month either. Thanks for sharing all your info!

frogstomp81

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Pardon my ignorance, but does using an EIN complicate the filing of your taxes at all?

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ust send us all your bank account info, SSN, and a copy of your signature, and wait for the money to start rolling in!

This is why you should use an EIN and a separate checking account. Not that I am worried about this company, but why send your SSN and primary banking info to anyone when there are less sensitive alternatives available?

frogstomp81

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...Never-mind just did some more research and it does not.

RedwoodDreams

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Has anyone else noticed that sales of Barclaycard spots often don't post correctly? I've sold 7 spots on my card over the past 8 months, and of those, 4 posted correctly and 3 didn't. I've followed the same exact online add procedure each time.

Barclays doesn't ask for SSN in the online add form, so I'm thinking maybe I need to call and give them SSN just to add all info that can help with a correct posting.

But wondering if others have noticed this? The other card I sell regularly on (Discover) asks for SSN online and I've never had a Discover sale fall through.

tj

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Has anyone else noticed that sales of Barclaycard spots often don't post correctly?

How does one learn this? Do they tell you when it doesn't post correctly?

secondcor521

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Has anyone else noticed that sales of Barclaycard spots often don't post correctly? I've sold 7 spots on my card over the past 8 months, and of those, 4 posted correctly and 3 didn't. I've followed the same exact online add procedure each time.

Barclays doesn't ask for SSN in the online add form, so I'm thinking maybe I need to call and give them SSN just to add all info that can help with a correct posting.

But wondering if others have noticed this? The other card I sell regularly on (Discover) asks for SSN online and I've never had a Discover sale fall through.

All of mine have posted correctly so far.  What I do is add the AU via the online form, then call in and ask them to add the SSN.
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kpd905

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New company wants me to call Citi to make sure the SSN is added. I suppose this is to ensure the tradeline posts correctly, but what a pain. I'll make the 2-5 mins call, but it was nice to just be able to add online and not have to deal with anyone over the phone.

Do you add online and then call just to give them the SSN?  Or have you been doing everything over the phone?
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charuhans

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I wonder if a factor that plays a part in sales is the due date (or close date). If there were a more preferable date, Id certainly change mine. I had one sale for the last company last year (5 mos after joining) and none so far and I signed up in January. I have one card thats over 20k and 14 years old, so I would think its a good card.

I think the sales are dependent on what gets the buyers of the tradelines the maximum bang for their buck. For example, a card with limit of $14,xxx will get almost the same bang as buying a tradeline which has $15,xxx or $16,xxx limit. But the buyer would have to pay more for the card with limits of $15,xxx and over since the bracket changes from the $14K (assuming the pay structure changes as with us sellers cards limits). So I think it's beneficial for us sellers to have cards with limits like $14,xxx or $19,xxx.

tj

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I wonder if a factor that plays a part in sales is the due date (or close date). If there were a more preferable date, Id certainly change mine. I had one sale for the last company last year (5 mos after joining) and none so far and I signed up in January. I have one card thats over 20k and 14 years old, so I would think its a good card.

I think the sales are dependent on what gets the buyers of the tradelines the maximum bang for their buck. For example, a card with limit of $14,xxx will get almost the same bang as buying a tradeline which has $15,xxx or $16,xxx limit. But the buyer would have to pay more for the card with limits of $15,xxx and over since the bracket changes from the $14K (assuming the pay structure changes as with us sellers cards limits). So I think it's beneficial for us sellers to have cards with limits like $14,xxx or $19,xxx.

Most of my sales have been on a card with $20,xxx.

d4future

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FYI, Bank of America is closing accounts for Irregular Authorized User Activity.  If you value that account, I suggest you remove from the list.

TomTX

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FYI, Bank of America is closing accounts for Irregular Authorized User Activity.  If you value that account, I suggest you remove from the list.

Tradeline company already suspended sales on BoA cards.

FrugalZony

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.......I usually never count my money while sitting at the table, there'll be time enough for counting, when the dealin's done....
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Quoting myself ;)
out of my three January adds, only two posted correctly (Barclaycard)
Followed exact same procedure for each.
Barclay even makes you call in to add a SSN...

Still happy with two succesful ones, but bummer on the one that didn't post.
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arebelspy

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Barclays doesn't ask for SSN in the online add form, so I'm thinking maybe I need to call and give them SSN just to add all info that can help with a correct posting.

Yes, you should call and add the SSN after adding the AU online.  If they ask why, just say "for security reasons" (i.e. you want it tied to that particular AU).

Like I said to MsFrugalista, the calls are annoying, but it's worth it to increase the chance of getting paid.

It doesn't guarantee it (as FrugalZony said, sometimes they just don't post), but it helps a lot.

I've never had a Barclay not post.   Just counted and have sold 29 lines between my wife and myself (a couple pending payment, so I can't verify they've ALL posted, but all up through Jan).

Also make sure you have a charge on the card (i.e. a balance) when the statement closes.

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PennySaved75

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Ka-ching!  I got paid $150 for my first (and only so far) AU added on 1-11-17 to my CapOne card (3 yrs old, $15K limit). 


TomTX

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Still waiting on my first sale from the new company. Three cards with them, and I started just before New Year's (all signed paperwork, etc in by the 3rd) - one is a BoA, so I'm down to 2 "active" with them.

I'm developing patience :)

MsFrugalista

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New company wants me to call Citi to make sure the SSN is added. I suppose this is to ensure the tradeline posts correctly, but what a pain. I'll make the 2-5 mins call, but it was nice to just be able to add online and not have to deal with anyone over the phone.

Do you add online and then call just to give them the SSN?  Or have you been doing everything over the phone?

I still haven't added them, but I was planning on calling in and doing everything over the phone. It looks like you can add online initially and call in to add AU's SSN according to some other's here. I'll just do it all over the phone and then check online to ensure the spelling and details of the AU are accurate.
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BeginnerStache

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The new company has yet to ask me to remove a couple AU's I added in early January. Is this typical?


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monarda

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The new company has yet to ask me to remove a couple AU's I added in early January. Is this typical?

I'm also interested to learn what is typical- for how the date you get paid might be related to when you remove the AUs.

I added two AUs 3rd week in January, and was paid for them last week. I know that payment is related to whether they posted or not, and when. The company might want to leave them posted for xxx amount of time?  Have not been asked to remove them yet. 

I'm guessing it's probably some function of AU add date, statement closing date, and the date the AU is posted (on credit report?)? 


arebelspy

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The AU spots are sold for two months.  Typically thye have you remove the AUs when you receive the next sale. That's been a manual process up until now, like the rest.

This should become automated once fully switched over to the portal.

Old company's portal had the date you were good to remove them, if the new one doesn't, I'll suggest it.. I haven't had a sale through the portal yet, just manuals recently, so I'm not sure--though I have seen a few referral sales go through the portal, so I know they're just starting to use it.
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tj

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Has anyone else noticed that sales of Barclaycard spots often don't post correctly?

How does one learn this? Do they tell you when it doesn't post correctly?

Still curious to know the answer to this.... I had an add the 4th week of Jan, 1st week of Feb and 4th week of Feb. I'm assuming they posted because I haven't heard from them indicating otherwise, yet other people have commented about cards not posting, so it's kind of confusing. I also haven't received any $$$ yet though.

arebelspy

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Has anyone else noticed that sales of Barclaycard spots often don't post correctly?

How does one learn this? Do they tell you when it doesn't post correctly?

Still curious to know the answer to this.... I had an add the 4th week of Jan, 1st week of Feb and 4th week of Feb. I'm assuming they posted because I haven't heard from them indicating otherwise, yet other people have commented about cards not posting, so it's kind of confusing. I also haven't received any $$$ yet though.

Yes, you'll either get paid if it posted, or get a copy of the credit report showing it didn't post if it didn't.
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Yes, you'll either get paid if it posted, or get a copy of the credit report showing it didn't post if it didn't.

Is there any rhyme or reason to why certain cards don't post? Is there anything we can do to increase the chances this would happen? Other than maintain a balance? Do larger balances have a greater chance of posting, etc? Anyone know if USAA cards have issues posting?

LizzyBee

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Can you have the same card with more than one tradeline company as long as you are careful not to add too many authorized users?

cheapass

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Well shit, another month come and gone without any adds. I've got a $33K card that's 3 years old and a $12K card that's 5 years old. Signed up in January.

sol

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Well shit, another month come and gone without any adds. I've got a $33K card that's 3 years old and a $12K card that's 5 years old. Signed up in January.

Mine are even better than that, and still no sales.  This whole thing is a bust, thus far.

runewell

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This whole thing is a bust, thus far.

Same for me, and probably others.

missundecided

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This whole thing is a bust, thus far.

Same for me, and probably others.

Me too.

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Well shit, another month come and gone without any adds. I've got a $33K card that's 3 years old and a $12K card that's 5 years old. Signed up in January.
Mine are even better than that, and still no sales.  This whole thing is a bust, thus far.
It could be that your 'better' cards are to 'costly' to the buyers(renters). 

HipGnosis

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I got an Email (from the (new) Co.) that my AU add last week wasn’t completed in time
Thru EMails (which were prompt) I found out that;
On the Portal; My Tasks;  shows (in red) “Add Completed”   THIS IS A BUTTON TO PRESS after doing the add!  I thought it was a confirmation...

cheapass

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I guess I spoke too soon, just got an email for my first add!

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To that point, I have some new information pending about upcoming sales.  Give me til the beginning of next week, due to the weekend, but update coming.
ARS, did I miss this, or am I just a little impatient?
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TomTX

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To that point, I have some new information pending about upcoming sales.  Give me til the beginning of next week, due to the weekend, but update coming.
ARS, did I miss this, or am I just a little impatient?

C'mon - the guy is RE, traveling the world with his wife and baby and posting mostly via phone. I forget the time zone.  Patience. :D


Padonak

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This whole thing is a bust, thus far.

Same for me, and probably others.

Me too.

Same here. Had 3 sales with the "old" company last year. Registered with the new one, no sales. No sales with the old one this year either. My credit cards are good, the oldest one is over 5 years old with a high credit line.

medinaj2160

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No sale here either. One of my car says "Resting Card" instead of "Active" what does that mean?

sw1tch

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No sale here either. One of my car says "Resting Card" instead of "Active" what does that mean?

I'm pretty sure that has to do with specific types of cards that currently have issues or are not allowed.

Currently, I have 2 cards that show as "resting":
    - My Bank of America card - if you've read up-thread a little bit it makes sense since BoA accounts are getting shut down
    - My Chase card - I didn't meet their 25K limit for a chase card but added it anyway; I assumed that was why it showed as resting
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sol

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No sale here either. One of my car says "Resting Card" instead of "Active" what does that mean?

It means they're not even offering it to anyone right now. 

If it's a chase or BofA card, it's been shut down indefinitely.  If it's a card that has previously had sales, it's probably just on pause to avoid bank suspicion from too many AUs.

I shouldn't complain about NOT getting any benefit out of this idea, but it does sting a little to watch other folks rolling in free money.  Rebs is apparently making about $50k/yr just from tradelines in retirement, in addition to his consulting and his wife's novel writing, and their real estate empire (which I think is 14 properties now?)

Based on the information presented in this thread for prices and number of eligible sales, my specific cards should be worth roughly $10k/year in potential tradeline sales.  Instead, three months in and it's still exactly $0.00.  What a colossal waste of time and attention.  Apparently I should just keep my 9 to 5.
« Last Edit: March 15, 2017, 11:13:56 AM by sol »

NinetyFour

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Got an e-mail from the New Company.  Need to add 2 AUs to my Barclay card.

Question:  When I add them online, do I need to enter the AU's address, or can I just choose "same as primary cardholder's address"?  I already added one of them, and entered his address, but made sure that the card will be delivered to my address.  Is that what I was supposed to do?  Or did I need to enter his address at all?

And after I add them online, I have to call Barclay's to give them the SSN's, right?

Thanks.
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tj

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Got an e-mail from the New Company.  Need to add 2 AUs to my Barclay card.

Question:  When I add them online, do I need to enter the AU's address, or can I just choose "same as primary cardholder's address"?  I already added one of them, and entered his address, but made sure that the card will be delivered to my address.  Is that what I was supposed to do?  Or did I need to enter his address at all?

And after I add them online, I have to call Barclay's to give them the SSN's, right?

Thanks.

ARS stated that he never added the SSN for Barclays and it's never not posted. YMMV of course.


arebelspy

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Yes, you'll either get paid if it posted, or get a copy of the credit report showing it didn't post if it didn't.

Is there any rhyme or reason to why certain cards don't post? Is there anything we can do to increase the chances this would happen? Other than maintain a balance? Do larger balances have a greater chance of posting, etc? Anyone know if USAA cards have issues posting?

Sometimes they just don't post.  But usually it's the case of the info necessary (like SSN) not being put in, so the CC company tries to report it, but it doesn't show up or report correctly.  Make sure you add in the SSNs, addresses, any info needed.  And yes, have it close with a balance.

Can you have the same card with more than one tradeline company as long as you are careful not to add too many authorized users?

No.

I got an Email (from the (new) Co.) that my AU add last week wasn’t completed in time
Thru EMails (which were prompt) I found out that;
On the Portal; My Tasks;  shows (in red) “Add Completed”   THIS IS A BUTTON TO PRESS after doing the add!  I thought it was a confirmation...

Good to know!  Thanks for letting us know!

To that point, I have some new information pending about upcoming sales.  Give me til the beginning of next week, due to the weekend, but update coming.
ARS, did I miss this, or am I just a little impatient?

Neither.  I was waiting for some email clarification, and then yesterday I was on an 11 hour flight Auckland to Tokyo, plus time zone.  Coming in my next post.

Just got a last minute add to my Citi card - that's four for the month at $200 a pop! Doing my happy dance today!

Nice!

This is what I was expecting for people.  More info in the next post.

Got an e-mail from the New Company.  Need to add 2 AUs to my Barclay card.

Question:  When I add them online, do I need to enter the AU's address, or can I just choose "same as primary cardholder's address"?  I already added one of them, and entered his address, but made sure that the card will be delivered to my address.  Is that what I was supposed to do?  Or did I need to enter his address at all?

And after I add them online, I have to call Barclay's to give them the SSN's, right?

Thanks.

Add them online, use the AU's address (though the card will be sent to yours, and will say so).

If you want to make extra sure it posts, call and ask to add the SSN.  Not 100% necessary (I don't), but probably worth the effort just to help ensure it (if I ever had one not post, I'd probably regret losing the $200 or so, and then start calling each time... I'm gambling for the moment on saving my time versus the money).

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arebelspy

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Okay, so... some frustrating news, but it should clarify things.

Those of you that aren't seeing adds?  It's because you weren't in the system.

...yeah.  =/

I just found out, when inquiring why many people are getting multiple adds over and over, three months in a row now, while others with good cards are seeing no sales, that they basically were only using a small subset of cards (I believe the ones that got enrolled first at the end of December, then were collecting the info/required paperwork, so they'd have it for the future when the portal went live, but stopped adding the cards into their sales pipeline).

In essence, to put card into their "old system" (which was really just a bunch of excel spreadsheets with about a million tabs) was a LOT of work.  Thus why they were trying to get the portal online.  So they only added some Mustachians' cards to the old system.

Thus all of you sitting, waiting the last two months never even had a chance to get adds.  =/

This is super disappointing to me, as I don't feel like it was communicated very well at all. I'm sure disappointing for you reading it as well.

I was taken aback when I found out about this (end of last week, and then sent some clarifying emails over the weekend/early this week) enough to even contact some other tradeline companies I've previously passed over, to do some more due diligence. 

Customer service is very important to me, and the combination of some of you not hearing back on questions (and thus me having to follow up on your behalf) and then this, well, I'm pretty upset about it.  At this point, I'm still recommending them, as I think they're the best option, but it is a frustrating event, for sure.

I shouldn't complain about NOT getting any benefit out of this idea, but it does sting a little to watch other folks rolling in free money.

I hear ya.  And I feel extremely bad.

This is what I wrote to the owner:
Quote
Oof.. I understand why you went this route, I just wish you had said something to me.

It would have been much easier to tell everyone up front "Hey, there's too many people to process manually, they're working on setting up the portal, and you won't see adds until then."

Then their expectation would have been set appropriately.

Instead they heard "you'll get adds soon!" from me and emails from you saying "you'll see adds in February" and they got nothing... and now they will hear "Well...actually they only added some people. The rest of you that signed up were told you were put in the system, but they didn't bother to really do that yet, sorry!"

I'm sure you can see how that's quite disappointing (versus being told up front).

The bottom line is: The communication was poorly handled.  The owner thought the portal would be ready MUCH quicker than it was, so he was telling people "You won't see adds until February" because he was thinking the portal would be up mid- to end- of January, and then everyone would start seeing adds in Feb.

Instead the portal was put up mid- to end- of Feb, and just started being used this week for adds.

The bottom line: if your cards are in the online portal, you're in the system now. Those cards are visible to potential AUs, and eligible to be purchased at any time.

If your cards aren't in the portal, get them in!

Best to pretend at this point that you submitted your info in January (which was still necessary to do) and were just waiting for the portal to open and them to switch over sales to (which they have, now this past week).

I can't do anything about the last few months not seeing sales.  Just crossing my fingers you all start getting sales going forward.  Please post if you do, or don't.

Sorry guys. I feel terrible when something I've recommended/endorsed gives a negative experience.  :(

Hopefully you'll all be posting like ducky19's post above, in just a few months.  :)
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NinetyFour

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Got an e-mail from the New Company.  Need to add 2 AUs to my Barclay card.

Question:  When I add them online, do I need to enter the AU's address, or can I just choose "same as primary cardholder's address"?  I already added one of them, and entered his address, but made sure that the card will be delivered to my address.  Is that what I was supposed to do?  Or did I need to enter his address at all?

And after I add them online, I have to call Barclay's to give them the SSN's, right?

Thanks.

ARS stated that he never added the SSN for Barclays and it's never not posted. YMMV of course.


Thanks, tj.

The company owner just told me that I should not add AUs for Barclay on the Barclay site.  Rather, I should call Barclay to make the adds.  Also, he suggested that I insist on giving Barclay the AU's SSN, even if they tell me it's not necessary.

Still not sure whether I need to give Barclay the AU's address...
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secondcor521

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Got an e-mail from the New Company.  Need to add 2 AUs to my Barclay card.

Question:  When I add them online, do I need to enter the AU's address, or can I just choose "same as primary cardholder's address"?  I already added one of them, and entered his address, but made sure that the card will be delivered to my address.  Is that what I was supposed to do?  Or did I need to enter his address at all?

And after I add them online, I have to call Barclay's to give them the SSN's, right?

Thanks.

It's better to add the AU's address and the SSN (via a phone call).  I had been adding the Barclay's AUs via the online form but will switch to calling in per NinetyFour's post immediately above.

Credit reports are created by the credit agencies collecting vast amounts of information and trying to combine that data into individual credit reports.  Think about it - how does the credit agency know that an item belongs on my report vs. someone else's?  They look at the identifying information and make an educated guess via an algorithm if there is "enough" of a match.  The more of the items that are present and the more exact of a match, the more likely it is to end up on the person's credit report.  They don't spell it out, but the identifying information is clearly first/last/middle name, address, date of birth, and SSN.  (Also, there doesn't have to be an exact match; my father's and my credit reports' early histories were intertwined because we share a first and last name and shared an address before I left for college.  Not a problem as we both have stellar credit.)

So do whatever you want, but if you want to get paid and continue to get sales in the future, I'd recommend adding all of the information that the company gives you and do whatever you can to make sure it is added correctly.  Personally, I always add name, DOB, SSN, and address, and if I'm doing it over the phone I have the CSR read it back to me to make sure it's correct.  I also make sure to carry a small balance whenever I have AUs on my card.  I've had 100% success so far with these techniques - which are simply what the companies ask you to do in the information they send.  You could do less than that and maybe still succeed - ARS does, and that's fine with me.  Personally I figure why do something part way and take a risk of wasting some of my time, making the company look bad, and increase the risk of not getting paid just to save myself five or ten minutes of additional hassle?  But again, everyone can weigh it out for themselves.
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tj

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Got an e-mail from the New Company.  Need to add 2 AUs to my Barclay card.

Question:  When I add them online, do I need to enter the AU's address, or can I just choose "same as primary cardholder's address"?  I already added one of them, and entered his address, but made sure that the card will be delivered to my address.  Is that what I was supposed to do?  Or did I need to enter his address at all?

And after I add them online, I have to call Barclay's to give them the SSN's, right?

Thanks.

ARS stated that he never added the SSN for Barclays and it's never not posted. YMMV of course.


Thanks, tj.

The company owner just told me that I should not add AUs for Barclay on the Barclay site.  Rather, I should call Barclay to make the adds.  Also, he suggested that I insist on giving Barclay the AU's SSN, even if they tell me it's not necessary.

Still not sure whether I need to give Barclay the AU's address...

Why don't you want to give them the AU's address? It's probably more likely to post if you use the address.

katsiki

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I got an Email (from the (new) Co.) that my AU add last week wasn’t completed in time
Thru EMails (which were prompt) I found out that;
On the Portal; My Tasks;  shows (in red) “Add Completed”   THIS IS A BUTTON TO PRESS after doing the add!  I thought it was a confirmation...

I have not used the portal yet for an actual sale, so maybe I am confusing myself...

Does the above mean to click the button after you performed the add?  ie Similar to the way that old TL company had a button.

Thanks to anyone who can clarify.

arebelspy

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I got an Email (from the (new) Co.) that my AU add last week wasn’t completed in time
Thru EMails (which were prompt) I found out that;
On the Portal; My Tasks;  shows (in red) “Add Completed”   THIS IS A BUTTON TO PRESS after doing the add!  I thought it was a confirmation...

I have not used the portal yet for an actual sale, so maybe I am confusing myself...

Does the above mean to click the button after you performed the add?  ie Similar to the way that old TL company had a button.

Thanks to anyone who can clarify.

Yes, that is what HipG is saying. Once you've added the AU with info from the portal, you click the "add completed" text, which is a button you must click that confirms to the company that you did that add (similar to how you'd email them confirmation before).
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