Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 557910 times)

happymuzh

  • 5 O'Clock Shadow
  • *
  • Posts: 13
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3100 on: November 27, 2018, 09:09:46 AM »
Woo Hoo!  First Post :)

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

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

happymuzh

  • 5 O'Clock Shadow
  • *
  • Posts: 13
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3101 on: November 27, 2018, 09:14:08 AM »
Woo Hoo!  First Post :)

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

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

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

=)

happymuzh

  • 5 O'Clock Shadow
  • *
  • Posts: 13
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3102 on: November 27, 2018, 02:52:14 PM »
Thanks ARS for your reply about the TL companies!

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

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 27206
  • Age: -999
  • Location: Traveling the World
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3103 on: November 27, 2018, 03:11:16 PM »
Thanks ARS for your reply about the TL companies!

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

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

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

We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

SilverAg47

  • 5 O'Clock Shadow
  • *
  • Posts: 22
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3104 on: November 27, 2018, 06:58:28 PM »
I am such an idiot.  I received an AU card in the mail today and in trying to activate the card I noticed that I mixed up the First and Last name.   And since it is a Barclay card, I did not provide the SSN because they seem to post with just the Name, DOB and address.  Now I have to figure out how to fix this mess...

Whoops!

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

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

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 27206
  • Age: -999
  • Location: Traveling the World
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3105 on: November 27, 2018, 07:08:36 PM »
Excellent! Thanks for the followup. :)
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

happymuzh

  • 5 O'Clock Shadow
  • *
  • Posts: 13
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3106 on: November 27, 2018, 10:39:24 PM »
Thanks ARS for your reply about the TL companies!

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

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

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

toddmkl

  • 5 O'Clock Shadow
  • *
  • Posts: 4
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3107 on: November 28, 2018, 12:36:48 PM »
I have been renting my credit score since January 2017.  This works but is risky like mentioned throughout this thread.

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

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

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

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

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

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

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

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

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







Car Jack

  • Pencil Stache
  • ****
  • Posts: 889
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3108 on: November 28, 2018, 12:42:25 PM »
Quote
Oh, and I mentioned this to family memembers and they wanted NO part of it and I didn't stop hearing about it for at least 2 weeks.  They think it's a crime but and it can't be that easy etc. .. but it really is NOT A CRIME but does carry a bit of risk as far as cancellation is concerned. 

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

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

frozen

  • 5 O'Clock Shadow
  • *
  • Posts: 82
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3109 on: November 28, 2018, 01:52:31 PM »
Oh, and I mentioned this to family memembers and they wanted NO part of it and I didn't stop hearing about it for at least 2 weeks.  They think it's a crime but and it can't be that easy etc. .. but it really is NOT A CRIME but does carry a bit of risk as far as cancellation is concerned.

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

I'm a red panda

  • Walrus Stache
  • *******
  • Posts: 7493
  • Location: United States
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3110 on: November 28, 2018, 02:00:13 PM »
I would not tell my wife in a million years what's going on.

That sounds like a healthy relationship dynamic.

ilsy

  • 5 O'Clock Shadow
  • *
  • Posts: 91
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3111 on: November 28, 2018, 11:07:35 PM »
I would not tell my wife in a million years what's going on.

That sounds like a healthy relationship dynamic.
That's why I am divorced. Well, not literally because of TL, but in general to be able to do with my money whatever I want.
And, btw, on the topic, still no sale on my TLs. Hopefully next year would be better for selling TLs.

Car Jack

  • Pencil Stache
  • ****
  • Posts: 889
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3112 on: November 29, 2018, 07:09:36 AM »
I would not tell my wife in a million years what's going on.

That sounds like a healthy relationship dynamic.

She is simply ultra-scared about money matters.  When she gets offers in the mail to get $400 for opening a credit card, that scares her and she throws it away.  She refuses to look at my simple spread sheet with our assets laid out and the total shown. 

We work as a team on everything except financial and medical issues.  I do financial and she (nurse and literally wrote the training book for nurse case managers) does all the medical stuff.  As much as she's averse to financial things, I am even more averse to medical things.  I've passed out numerous times when talking to a doctor about upcoming surgery.  Smelling salts anyone?
« Last Edit: November 29, 2018, 07:11:46 AM by Car Jack »

toddmkl

  • 5 O'Clock Shadow
  • *
  • Posts: 4
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3113 on: November 29, 2018, 08:45:36 AM »
Oh, and I mentioned this to family memembers and they wanted NO part of it and I didn't stop hearing about it for at least 2 weeks.  They think it's a crime but and it can't be that easy etc. .. but it really is NOT A CRIME but does carry a bit of risk as far as cancellation is concerned.

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

It really all boils down to your ethical point of view. 

elaine amj

  • Magnum Stache
  • ******
  • Posts: 2754
  • Location: Ontario
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3114 on: November 29, 2018, 08:51:57 AM »
Has anyone had experience on how long it takes for your first sale after you start?  I put in 2 cards in August - one Chase with $25k credit limit that has been open 4 years and one Elan with a $25k credit limit that has been open for 10+ years.  If I never get any sales I'm not concerned, but just wondering if I have the wrong type of cards in or maybe it just takes time?
We're still waiting too :) But didn't start until Sept/Oct. Oh well, it will happen when it happens and will be a nice bonus if it does.

Sent from my LG-K373 using Tapatalk


toddmkl

  • 5 O'Clock Shadow
  • *
  • Posts: 4
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3115 on: November 29, 2018, 09:54:10 AM »
Anyone ever hear of using a TD Bank Card for this?  A friend of mine had a friend who sold Authorized user spots.  He deals with TD Card as one of his major card sellers.  However, at that time I had just gotten a TD Bank Card and I was and I'm still dealing with my guy and dint' want to split away from him. So that friend who dealt with TD got upset about that and I don't think he'll help me out when my TD Card matures enough to sell it. 

Also my current guy that I deal with never heard of anyone selling TD authorized user spots.   


Also anyone think about staring their own business selling tradelines? I hear all that you need is a brokers license but I have yet to look into it. 




flashflooder

  • 5 O'Clock Shadow
  • *
  • Posts: 29
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3116 on: November 29, 2018, 11:11:03 AM »
Why would you need a brokers license? Doesn't make any sense to me.

toddmkl

  • 5 O'Clock Shadow
  • *
  • Posts: 4
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3117 on: November 29, 2018, 11:33:33 AM »
Why would you need a brokers license? Doesn't make any sense to me.

This is why I'm asking. I'm not sure.  That's what someone told me and I don't know what to make of it. 

morris08

  • 5 O'Clock Shadow
  • *
  • Posts: 3
  • Location: Houston, TX
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3118 on: November 30, 2018, 04:02:00 PM »
Anyone ever gotten an "error" when trying to add an AU online with Chase?
I entered the person's info in the Add an AU, and when I clicked on SAVE I get this error:
"It looks like this part of our site isn't working right now."

I will call them if it isn't working in the next day or two, but I am just curious if this definitely means my account has been "flagged" or something.

anonymouscow

  • Stubble
  • **
  • Posts: 123
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3119 on: November 30, 2018, 07:13:45 PM »
Anyone ever gotten an "error" when trying to add an AU online with Chase?
I entered the person's info in the Add an AU, and when I clicked on SAVE I get this error:
"It looks like this part of our site isn't working right now."

I will call them if it isn't working in the next day or two, but I am just curious if this definitely means my account has been "flagged" or something.

Iíve had this issue with the past two AUs I tried to add. The first one I called in to add, the second one I added through secure message. Secure message was easy, I just sent the info and said I wanted to add an AU and I received a message an hour later saying they were added.

It certainly feels like the account has been flagged somehow.

morris08

  • 5 O'Clock Shadow
  • *
  • Posts: 3
  • Location: Houston, TX
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3120 on: November 30, 2018, 08:49:40 PM »
Did you use Secure Message on a Chase card?  I just submitted a secure message to Chase so we shall see.

Strange because this is the first AU I have added on this card.  (though I did add my wife and 3 kids many many years ago and recently removed the kids).


anonymouscow

  • Stubble
  • **
  • Posts: 123
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3121 on: December 01, 2018, 08:14:38 AM »
Did you use Secure Message on a Chase card?  I just submitted a secure message to Chase so we shall see.

Strange because this is the first AU I have added on this card.  (though I did add my wife and 3 kids many many years ago and recently removed the kids).

Yes, I used ďsecure message centerĒ for a Chase card, I just told them I wanted to add an AU for card ending in xxxx. I have two cards and itís letting me add for one, but I get the error with the other one.

I tried different browsers and different computers in case that was the issue. My only other thinking is maybe the website doesnít like an address and there is a redirect to the wrong error page. I suppose I could ask Chase, but I donít want any unnecessary attention.
« Last Edit: December 01, 2018, 08:16:10 AM by anonymouscow »

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1798
  • Age: 49
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3122 on: December 01, 2018, 10:06:41 AM »
Did you use Secure Message on a Chase card?  I just submitted a secure message to Chase so we shall see.

Strange because this is the first AU I have added on this card.  (though I did add my wife and 3 kids many many years ago and recently removed the kids).

Yes, I used ďsecure message centerĒ for a Chase card, I just told them I wanted to add an AU for card ending in xxxx. I have two cards and itís letting me add for one, but I get the error with the other one.

I tried different browsers and different computers in case that was the issue. My only other thinking is maybe the website doesnít like an address and there is a redirect to the wrong error page. I suppose I could ask Chase, but I donít want any unnecessary attention.

If it's the AU address that's causing it - maybe, maybe not - what I would do is take the address given to you by the TL company and put it into the US Post Office website and have them give it back to you in "standard form", then put that in at the Chase site.  Might fix it.

morris08

  • 5 O'Clock Shadow
  • *
  • Posts: 3
  • Location: Houston, TX
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3123 on: December 01, 2018, 12:44:24 PM »
Thanks anonymouscow and secondcor.

I was able to add the AU via Chase's secure messaging.  Phew!

Might be right about the address.  The format they gave me looks like included an apartment #.
Like this:   145 Rambler 32   (missing the #)
I thought about entering in as:  145 Rambler #32 or putting "145 Rambler" on Addr 1 line and "apt  32" on Addr 2 line, but didn't think it would make any difference.

Thanks for the replies.


Unique User

  • Pencil Stache
  • ****
  • Posts: 576
  • Location: NC
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3124 on: December 03, 2018, 07:58:57 AM »
Can someone PM me with the info on old company and new company?  Iím only signed up with one and not sure which they are. Assume both companies are reputable.

PM sent.

Belated thanks.  I spilled coffee on my laptop and was out of commission for ten days.  Note to self - only drink coffee at desk from a cup with a lid. 

happymuzh

  • 5 O'Clock Shadow
  • *
  • Posts: 13
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3125 on: December 03, 2018, 01:46:12 PM »
Here's a curious data point:

I added an AU to my Chase card today (online) and sent the SSN info by secure message.  This is the response I got:

Due to the security of the account, certain
information/changes can only be requested by the
authorized user. I see that you are listed as the Primary
Cardmember on the account ending in XXXX. Please ask the
authorized user to send us an email or call us at the
number on the back of the card.


I hadn't heard that Chase or any other card had taken to requiring SSNs to be added by the AU themselves.  Particularly curious since my AU is my wife; same last name and address.

elaine amj

  • Magnum Stache
  • ******
  • Posts: 2754
  • Location: Ontario
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3126 on: December 04, 2018, 03:29:12 PM »
We finally sold our first tradeline! We posted a few Chase cards with one company and are still waiting for bites. Last month we were feeling a little discouraged. Then DH found a forgotten card - a Bank of America card that was a few years old with a 20k limit and we posted that with a different company. We got our first AU this morning :) :) We were able to add the AU online and will get $200 from this. Pretty excited.

Also, it's probably just as well not to do too many tradelines with Chase anyway since we like our Chase CCs plus we also bank with them.

Sent from my LG-K373 using Tapatalk


homelesshobbit

  • 5 O'Clock Shadow
  • *
  • Posts: 92
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3127 on: December 05, 2018, 06:45:16 PM »
I've search everywhere but does anyone know how to view your Chase AU's?

I had some family added a while back to help with Credit Score and want to remove one or two if they don't need it anymore but I cannot find a place to view them online.

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1798
  • Age: 49
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3128 on: December 05, 2018, 07:59:06 PM »
I've search everywhere but does anyone know how to view your Chase AU's?

I had some family added a while back to help with Credit Score and want to remove one or two if they don't need it anymore but I cannot find a place to view them online.

I don't think you can.  You can call and ask them.

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 27206
  • Age: -999
  • Location: Traveling the World
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3129 on: December 06, 2018, 02:05:19 AM »
The old tradeline company is looking for newer and lower limit cards for the month of December.

Due to demand from AUs, the old company is looking for 6 months to two years in age.

Criteria: Barclays, Capital One, Citibank, Discover, PNC, US Bank, USAA.

Age limit: 6 months - 2 years.

Here is their commission schedule for these younger cards:
    Limit $1,000 - $20,000 and 6 months - 2 years old - $25 per spot
    Limit $20,001 - $40,000 and 6 months - 2 years old - $50 per spot
    Limit $40,001 -  or more 6+ months - $75 per spot

Here is their commission schedule on higher limit cards, for comparison:
Spoiler: show

Discover, Citibank, Barclays, US Bank, and PNC - 2 Month Cycle Commission:
    Limit $5,000 - $15,000 and 2+ years old - $75 per spot
    Limit $15,000 - $20,000 and 2+ years old - $125 per spot
    Limit $20,001 - $30,000 and 2+ years old - $175 per spot
    Limit $30,001 - $40,000 and 2+ years old - $200 per spot
    Limit $40,001 - or more 2+ years old - $225 per spot

 
Capital One and USAA - 3 Month Cycle Commission:
    Limit $5,000 - $15,000 and 2+ years old - $75 per spot
    Limit $15,000 - $20,000 and 2+ years old - $150 per spot
    Limit $20,001 - $30,000 and 2+ years old - $200 per spot
    Limit $30,001 - $40,000 and 2+ years old - $250 per spot
    Limit $40,001 - or more 5+ years old - $275 per spot

2/3 month cycle means you are paid that one amount to keep the AU on for 2 months or 3 months, respectively.


So a lower pay, obviously (if you had a card that was 18k limit and 2 years old on a three month cycle, you'd get $150, versus if it was less than 2 years you'd just get $25), but better than nothing if a card is otherwise ineligible, depending on the card/issuer/how aggressive they are in closures or limits.

If you want a referral to the tradeline company, Click Here To Send Me a PM. Please specify what information you need (if you're looking for information on both, or if you just want old company's information for younger/lower limit cards, or what). :)

Disclaimer: I will get a referral commission when you sell AU spots, but you will get paid the same whether you use my referral or not--it will not reduce your payment to have me as the referral, and for some ages/limits with the new company you'll earn more using my referral.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

Car Jack

  • Pencil Stache
  • ****
  • Posts: 889
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3130 on: December 06, 2018, 07:13:00 AM »
I got the old company email.

I think they maybe hurried it out.  It doesn't specify any card being ok or not.  I attempted to get in this morning and start uploading all my qualifying cards and it won't let me in.  In case I did forget my password, I hit "forgot password" and with the email address THEY sent me the notice to, it said it was invalid.

Patiently waiting.

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 27206
  • Age: -999
  • Location: Traveling the World
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3131 on: December 06, 2018, 07:18:09 AM »
It doesn't specify any card being ok or not.

Not 100% sure what you mean by this, but if you mean the issuer, that won't have changed.

Old company takes Barclays, Capital One, Citibank, Discover, Elan, PNC, US Bank, USAA, Bank of America, Chase.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

Car Jack

  • Pencil Stache
  • ****
  • Posts: 889
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3132 on: December 06, 2018, 07:44:07 AM »
I just meant that the email didn't specify what cards (or banks) it will accept......or won't accept.

I guess when I'm able to get in, I'll bang around and see what gets in and what doesn't.

elaine amj

  • Magnum Stache
  • ******
  • Posts: 2754
  • Location: Ontario
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3133 on: December 06, 2018, 07:49:29 AM »
Thanks for posting that comparison on the commission cycle :) We got that email and was debating. Hmmm...I should take a look at my cards again to see if I have under 2 year cards that might work. I doubt it though as I have not been playing the churning game much and just hit 1/24 (just got approved for 2 Southwest cards so we are super excited!)

Sent from my LG-K373 using Tapatalk


katsiki

  • Handlebar Stache
  • *****
  • Posts: 1287
  • Age: 38
  • Location: La.
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3134 on: December 07, 2018, 06:12:55 AM »
Any opinions from the group on this new pricing?  I am thinking I will wait.  I have a few Barclays cards I am aging.  Since BC has an AU limit, I am thinking I will wait and get more per sale.

drummlers

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3135 on: December 07, 2018, 07:06:33 AM »
Just curious, I don't show that any tradelines have been added to my card yet, but I just received a report today on my credit that someone applied for credit using my social. Now, they listed their name and address. Is this normal for tradelines usage?

Thank you

dustinst22

  • Pencil Stache
  • ****
  • Posts: 621
  • Age: 40
  • Location: Huntington Beach, CA
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3136 on: December 07, 2018, 09:57:35 AM »
Can someone confirm something for me?

When a person is added as an AU on a Non-Amex card, the tradeline has no mention of when the AU was actually added, correct?  So the tradeline history appears the same as it does for the primary, correct (other than the Authorized User Status)?   

Someone had mentioned on another forum being added as an AU on a 2+ year old credit card could impact 5/24 Chase status, which I believe is false but wanted to confirm. 
« Last Edit: December 07, 2018, 09:59:38 AM by dustinst22 »

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1798
  • Age: 49
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3137 on: December 07, 2018, 10:13:32 AM »
Can someone confirm something for me?

When a person is added as an AU on a Non-Amex card, the tradeline has no mention of when the AU was actually added, correct?  So the tradeline history appears the same as it does for the primary, correct (other than the Authorized User Status)?   

Someone had mentioned on another forum being added as an AU on a 2+ year old credit card could impact 5/24 Chase status, which I believe is false but wanted to confirm.

One minor nit - I don't think the credit report even distinguishes between an AU and the actual account holder.  From a credit report point of view, I think a credit line is a credit line.  Obviously the card issuer would know, but I don't think they report that bit of information to the CRAs.

Other than that very minor point, your understanding matches mine.

dustinst22

  • Pencil Stache
  • ****
  • Posts: 621
  • Age: 40
  • Location: Huntington Beach, CA
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3138 on: December 07, 2018, 10:15:36 AM »


One minor nit - I don't think the credit report even distinguishes between an AU and the actual account holder.  From a credit report point of view, I think a credit line is a credit line.  Obviously the card issuer would know, but I don't think they report that bit of information to the CRAs.

Other than that very minor point, your understanding matches mine.

Hmm, I'll have to double check, but when I looked at my spouses report it showed her status as an authorized user at least on one of the cards.

ducky19

  • Bristles
  • ***
  • Posts: 488
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3139 on: December 07, 2018, 10:52:57 AM »


One minor nit - I don't think the credit report even distinguishes between an AU and the actual account holder.  From a credit report point of view, I think a credit line is a credit line.  Obviously the card issuer would know, but I don't think they report that bit of information to the CRAs.

Other than that very minor point, your understanding matches mine.

Hmm, I'll have to double check, but when I looked at my spouses report it showed her status as an authorized user at least on one of the cards.

Likewise - I am an AU on one of my wife's cards, shows up on Credit Karma as an Authorized User.

ducky19

  • Bristles
  • ***
  • Posts: 488
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3140 on: December 07, 2018, 10:54:53 AM »
Just curious, I don't show that any tradelines have been added to my card yet, but I just received a report today on my credit that someone applied for credit using my social. Now, they listed their name and address. Is this normal for tradelines usage?

Thank you

If someone is applying for credit using your social, you had your data exposed by some other means. Authorized Users never have visibility to your information (save possibly your address), definitely not your social.

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1798
  • Age: 49
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3141 on: December 07, 2018, 11:53:54 AM »


One minor nit - I don't think the credit report even distinguishes between an AU and the actual account holder.  From a credit report point of view, I think a credit line is a credit line.  Obviously the card issuer would know, but I don't think they report that bit of information to the CRAs.

Other than that very minor point, your understanding matches mine.

Hmm, I'll have to double check, but when I looked at my spouses report it showed her status as an authorized user at least on one of the cards.

Likewise - I am an AU on one of my wife's cards, shows up on Credit Karma as an Authorized User.

I stand corrected.  I just checked my Credit Karma report, and I'm listed as an AU on one of my Dad's cards.  So it is distinguished on the credit report.

monarda

  • Bristles
  • ***
  • Posts: 379
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3142 on: December 07, 2018, 05:53:18 PM »


One minor nit - I don't think the credit report even distinguishes between an AU and the actual account holder.  From a credit report point of view, I think a credit line is a credit line.  Obviously the card issuer would know, but I don't think they report that bit of information to the CRAs.

Other than that very minor point, your understanding matches mine.

Hmm, I'll have to double check, but when I looked at my spouses report it showed her status as an authorized user at least on one of the cards.

Likewise - I am an AU on one of my wife's cards, shows up on Credit Karma as an Authorized User.

I stand corrected.  I just checked my Credit Karma report, and I'm listed as an AU on one of my Dad's cards.  So it is distinguished on the credit report.

Yes, this is true.
However, for business cards, it only appears to be true for Capital One Spark business. The other business cards I have (for which I'm an authorized user) don't show up.

SilverAg47

  • 5 O'Clock Shadow
  • *
  • Posts: 22
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3143 on: December 12, 2018, 07:08:13 PM »
Bogleheads post from today: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=266187

Is anyone worried about doing tradelines with Fidelity (Elan)?  Based on what I've read in this thread, it seems like Elan can be quite sensitive at times. I still have yet to make a sale with my Fidelity card, but I'm thinking about just pulling it.  I'm wondering if a shutdown would occur, could it possibly affect other accounts held at Fidelity as well.

katsiki

  • Handlebar Stache
  • *****
  • Posts: 1287
  • Age: 38
  • Location: La.
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3144 on: December 12, 2018, 07:26:11 PM »
Bogleheads post from today: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=266187

Is anyone worried about doing tradelines with Fidelity (Elan)?  Based on what I've read in this thread, it seems like Elan can be quite sensitive at times. I still have yet to make a sale with my Fidelity card, but I'm thinking about just pulling it.  I'm wondering if a shutdown would occur, could it possibly affect other accounts held at Fidelity as well.

Not worried but I do expect closure after a small number of AU sales (based on info reported earlier in this thread).  I don't have much with Fidelity so others might worry about that.  However, Elan is separate so I think this risk is small (IMO).

ditkanate

  • Stubble
  • **
  • Posts: 124
    • ditka's dumb journal
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3145 on: December 13, 2018, 10:58:04 AM »
FYI - with Citibank I successfully removed a user just doing the online Live Chat.  Now that the secured message system is gone, that's one easy way to do it without calling in.  Haven't tried adding one like that yet, but will give it a go with my next Citi order. 

MasterStache

  • Handlebar Stache
  • *****
  • Posts: 1823
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3146 on: December 13, 2018, 01:36:36 PM »
FYI - with Citibank I successfully removed a user just doing the online Live Chat.  Now that the secured message system is gone, that's one easy way to do it without calling in.  Haven't tried adding one like that yet, but will give it a go with my next Citi order.

I did an online chat once to confirm the social was included with the AU and the rep could not confirm over chat for security reasons. I would be surprised if you could do an add over chat, but it never hurts to try.

wienerdog

  • Bristles
  • ***
  • Posts: 452
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3147 on: December 14, 2018, 03:40:17 PM »
I had a an order on 6/25 and still haven't seen a payment.  Is it common to go this long and do you always have to nag them to get paid?

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 27206
  • Age: -999
  • Location: Traveling the World
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3148 on: December 14, 2018, 03:48:25 PM »
I had a an order on 6/25 and still haven't seen a payment.  Is it common to go this long and do you always have to nag them to get paid?

Nope. An order on 6/25 likely posted early July, meaning payment should be end of September (two months later).

Contact the TL company, and if you can't get ahold of them, PM me details (your name/email and which TL company) and I can contact them to find out.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

Car Jack

  • Pencil Stache
  • ****
  • Posts: 889
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #3149 on: December 14, 2018, 06:50:17 PM »
I know Barclays is a pretty preferred tradeline card.  There's no SS# spot when added online.  What's the best way to add the SS#.  I actually sold one spot yesterday and called it in.  The 2nd spot sold tonight and I'm not crazy about calling in again.