Here are some of our most frequently asked questions.
If you still have questions CONTACT US
How do I submit payment for tradelines?
We accept payment for tradelines many ways. For a comprehensive list of the methods that we accept, visit https://wealthandlegacyunlimited.com/howtoordertradelines
Most of our lines post to all 3 bureaus. We do guarantee that lines will report to at least 2 of the bureaus.
Some lines that require a soft pull may have challenges posting to Equifax.
The lines that we have noticed are: Ally, Amazon, Chase, Comenity Fidelity, GE Capital, GM, Marvel, Merrick, Synchrony, US Bank, Wells Fargo, WFB, and Zions Bank. If Equifax posting is important to you, it is advised that you do not order any of those lines.
How soon do your tradelines post and how long do they stay posted?
Tradelines post within 7 to 14 business days of the statement date. Depending on the lines you select – our tradelines and tradeline packages report to the credit bureau for a period of two months.
A soft pull as it relates to posting authorized user tradelines, requires that the address that is associated with the credit card (tradeline) be added to the credit profile in order to get the information to merge and allow for he account to appear on credit.
It is necessary either because of creditor or line holder requirements for compliance and safety.
If your tradelines do not post within 7-14 days of the listed statement date please contact us ASAP to report the non-post.
We do GUARANTEE our tradelines post so your line will be promptly replaced as soon as we are notified.
Email us at [email protected] with the following information:
1) Your Name
2) Non Posting Tradeline
3) Login details for credit monitoring service
We will respond with details of your replacement line within 24-48 hours.
We do not accept refunds for any digital products.
We do not provide refunds on tradeline purchases- however we do 100% guarantee the posting of our lines.
Proof of non-posting (a 3-bureau credit report) must be provided no earlier than 1 week after the statement date and the issue must be resolved no later than 4 weeks after the statement date.
For tradelines that do not require “Soft pull” to post: If the tradeline posted to one bureau or no bureaus at all, a full replacement line will be provided.
If it posted to two bureaus or to all three, no replacement or credit will be provided.
For tradelines that require a “Soft pull” to post, it is the clients responsibility to contact us to make sure that they have the special address of the line to be added and have followed that process to do a soft pull within 7-14 days of the statement date. If the tradeline posts to at least 2 of the credit bureaus, no replacement credit will be provided.
You can get step by step instructions on placing your order by going here: https://wealthandlegacyunlimited.com/howtoordertradelines/
We do not accept refunds for any digital products.
We do not provide refunds on tradeline purchases- however we do 100% guarantee the posting of our lines.
Proof of non-posting (a 3-bureau credit report) must be provided no earlier than 1 week after the statement date and the issue must be resolved no later than 4 weeks after the statement date.
For tradelines that do not require “Soft pull” to post: If the tradeline posted to one bureau or no bureaus at all, a full replacement line will be provided.
If it posted to two bureaus or to all three, no replacement or credit will be provided.
For tradelines that require a “Soft pull” to post, it is the clients responsibility to contact us to make sure that they have the special address of the line to be added and have followed that process to do a soft pull within 7-14 days of the statement date. If the tradeline posts to at least 2 of the credit bureaus, no replacement credit will be provided.
The strategies work best for people with inaccurate information on their reports (most people have 3-5 errors), high credit utilization, short credit history, or recent credit inquiries.
What won't work: Removing accurate, verifiable negative information within the legal reporting period.
Bottom line: If you have room for improvement in any of those areas, these strategies could help.
It depends on your starting point:
Authorized user tradelines: 14-30 days
Dispute process: 30-45 days (legally required response time)
Best results: Multiple strategies over 60-180 days
Reality check: Anyone promising "overnight" results is either engaging in illegal practices or is lying. But with consistent application of the right strategies, meaningful progress is possible in 30-60 days.
Absolutely. Every strategy is 100% legal and protected by federal law:
The Fair Credit Reporting Act (FCRA) — your right to dispute inaccurate information
The Fair Credit Billing Act (FCBA) — your right to challenge billing errors
The Credit CARD Act — your right to fair lending practices
We teach you how to exercise your legal rights. Nothing shady. Nothing illegal.
Most credit repair companies fail because they use generic form letters, promise to remove accurate information (illegal), and charge monthly fees without education.
Our approach is different:
We educate you so you understand WHY strategies work
We focus on legal, provable strategies
We give you tools to DIY OR support through coaching
We don't make false promises
Good news: These strategies still work.
Many of our clients have successfully rebuilt after bankruptcy, foreclosure, short sales, collections, and repossessions.
The key: Time + strategy.
Legal Disclaimer
Wealth & Legacy Unlimited provides credit education, coaching, and authorized user tradeline services. We are not a credit repair organization as defined under federal or state law.
Results vary based on individual credit situations. We do not guarantee any specific outcome or credit score increase.
All strategies shared have helped clients achieve score improvements ranging from 25-100+ points, typically within 30-90 days, but individual results depend on current credit profile, accuracy of information, and consistent implementation of techniques. All examples and testimonials represent specific individual experiences and are not typical. Your results may vary.
Testimonial Disclaimer: Client testimonials are based on real experiences but should not be considered a guarantee of similar results.
Affiliate Earnings Disclaimer: Partner earnings are not guaranteed and vary based on referrals and client retention. Examples represent top-performing partners.
Legal Compliance: We comply with all applicable federal and state laws, including the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA).