Tradeliner (.org) Review Summary:
Tradeliner reviews are easy to find. TradelinesReview goes out of it’s way to provide legitimate reviews of companies selling or associated with tradelines. Sometimes it’s hard to find relevant information, and sometimes it’s a few clicks away. Tradeliner is the epitome of overzealous marketing. Before I called, their website just turned me off. Everything is so wonderful people are so happy, they have hundreds of just perfect testimonials, amazing magic products and secret weapons to erase your (bad) credit history and re-write a new (good) one, etc. It just seemed so contrived, it frustrated me.
That seemed like a bad opening, and it is, but that doesn’t speak to their business model. I remember when tradeliner popped up not to long ago (early to mid 2011). They started out with tradelines, then seasoned, then “primary”, then CPNs, then negative removals. It seemed (it was) that they were picking buzz words to boost their search engine optimization to rake in leads.
I don’t mind aggressive marketing, but it’s not possible that they have lived up (or could have possibly lived up) to their wondrous representation of supposed credit witchcraft.
I did not need to do much more research than their website (but, I did).
The offer sweep programs, which are absolutely illegal (in my opinion, but I’m sure legal experts would agree). You simply cannot click a delete button on anything in your credit report. There are mountains of laws regulating the information in your report and the handling of that information by bureaus and creditors. So, someone who advertises this method is either willingly violating multiple laws or lying to you. I suppose another option is that they are incompetent. Regardless, I wouldn’t want to work with a company that fell under any other these adjectives.
They advertise CPNs (credit profile numbers), which technically isn’t illegal, but they are essentially setting you up to illegally apply for credit. Don’t do it.
They use formstack.com for collecting your information… oh, and it’s an UNSECURED portal. Crazy.
Let’s get to the details:
PROs and CONs:
- No business records.
- Substantial complaints.
- Inconsistent “payment methods”.
- They promote illegitimate CPNs
- They promote illegitimate “Primary” tradelines.
- They promote illegitimate “Sweep” programs.
- The promote illegitimate “Inquiry Removal” programs.
Because most of the content on Tradeliner (.org) is filled with verifiable non-sense, I cannot take their pricing schedule seriously. However, if I did, it would be astronomical. But, that is just considering price. Supposedly, $1,500.00 would net you “(2) Primary’s 50,000 Seasoned 5 years, (3-4) of our best AU’s available with 28 +years seasoning, Designed for Business Funding (optional), Assigned Concierge for one on one consulting, Direct Hotline to our Funding Team Access, Instant Broker Status-refer and get paid at the highest level commission rate, Up to $150,000- $250,000 include business funding”. If you believe that, please contact me because I have some prime Florida swampland to sell you.
You have to dig pretty deep into their website to determine their pricing model. I was able to come up with some pricing, which ranged from $749.00 to $1,500.00 depending on the “package” purchased.
Tradeliner allegedly uses Authorize.net, but I called Authorize.net and searched their website and no records of Tradeliner exists. I read a complaint online which stated a charge on the individual’s credit card statement came from an individual, and NOT Tradeliner.
Due to the substantial amount and nature of complaints at every turn on Google, I can only report here that Tradeliner is NOT effective at all. Aside from their own website, I couldn’t find one legitimate source of praise. I typically avoid consideration of anonymous online complaints, but the amount and detailed nature of complaints provided a sense of legitimacy toward their assertions.
Tradeliner offers what I consider to be keyword grabbing products, rather than services to help their clients. All of these magic tricks with no substance tends to make me believe they spend more time figuring out how to collect leads, rather than help consumers with their credit.
Tradeliner popped up out of no where, and has no verifiable results reported, anywhere. I was suggest their experience is wholly insufficient.
The complaints online suggest they are effective at collecting fees, but not necessarily performing services.
One complaint I found, which ignited a string of back and forth between others who were allegedly ripped off by Tradeliner, stated once money was collected, they never heard from Tradeliner again. They called at least twice a day and sent approximately 20 emails with no reply. The client was successful performing a “charge back”, but never heard from Tradeliner again.
I was unable to reach Tradeliner by phone or email.
Tradeliner does not exist according to my research. There are no records of a business named “Tradeliner” across the Country. There are no records of them having an Authorize.net accounts (even though they suggest there is on their website). They have a massive amount of complaints that target the alleged owners. There are supposedly criminal and civil lawsuits against the owner (I searched hard, but came up empty-handed on verifiable information as to this claim).
I could not find a single reference, anywhere, that would suggest they are trustworthy. I found plenty of references to suggest Tradeliner (.net) is not trustworthy. You can check your not one, not two, but three sources or more by doing your own research.
Tradeliner (.org) has an online presence of which they should not be proud. The internet is filled with negative reviews of Tradeliner.
Tradliner (.org) has too many complaints to list.
Tradliner does not even offer agreements on their website. I was unable to contact anyone, so I was unable to review any agreements (if they have them at all).
Tradeliner’s extravagant and overzealous approach to promoting what we deem as illegitimate services tells us they either have a disregard for the law or a lack of the law concerning credit itself.
Considering you are required to provide notices of cancellation, rights pursuant to federal and state law, an agreement with the name of the company providing the services (among other things) in combination with complaints we found listing individuals as responsible for charges, it is clear they are not in compliance with relevant laws and regulations.
Based on the fact that Tradeliner came out of nowhere and is super aggressive with marketing, I’d say they are a high risk business. Even if they manage to squeak out some results, I’d be concerned even with that success. I would absolutely stay away from Tradeliner. The reason for the absurdly low score was a result of their absurd misrepresentations, deliberate exaggerations and reckless disregard for the hope a legitimate consumer has when looking for legitimate businesses to help them with their credit. One thing I thought was so strange is that they haven’t yet put their tail between their legs and closed up shop. It seems they are trying to dilute the negative results found online by aggressively stuffing Google with non-sense and submitting rebuttals to online complainants.