Tradeline Add-On Service

Strengthen your credit profile with an authorized user tradeline.

The $300 Tradeline Add-On Service includes a credit profile review, profile preparation, selection of one eligible authorized-user tradeline, placement coordination, reporting monitoring, and replacement support when applicable. Tradelines generally remain on the credit profile for approximately 60 to 90 days. Reporting dates, credit score increases, bureau coverage, and approvals are not guaranteed.

This service is available as an add-on for an additional person or partner enrolled with the promotional credit service. It is designed to help strengthen an eligible client's credit profile by adding an authorized-user tradeline after the client's credit report has been reviewed and prepared.

This is best for you if:

• You are already enrolled with the promotional credit service and want to add a tradeline for yourself or a partner.
• Your credit report has been reviewed and you are ready for tradeline placement.
• You want a guided process for tradeline selection, placement, and reporting monitoring.
• You understand that a tradeline is one part of a complete credit strategy, not a guaranteed outcome.

What this service includes:

• Credit Report Review: your current credit profile is reviewed to determine whether adding an authorized-user tradeline is appropriate.
• Credit Profile Preparation: you may need to complete profile updates before placement, including correcting or updating your name, address, personal information, fraud alerts, freezes, or other reporting issues.
• Tradeline Selection: an available tradeline is selected based on the age of the account, credit limit, statement date, expected reporting bureaus, your current credit profile, and your credit goals.
• Authorized User Placement: your information is submitted to the tradeline provider for authorized-user placement.
• Reporting Monitoring: your credit reports are monitored to check whether the tradeline has reported.
• Replacement Support: if the selected tradeline becomes unavailable before placement, you may receive a replacement tradeline of comparable value, subject to availability.
• Service Period: tradelines generally remain on your credit profile for approximately 60 to 90 days, depending on the provider and account.

Timeline:

Placement occurs according to the selected tradeline's statement cycle. Reporting may begin approximately 7 to 10 days after the statement date, but timing varies. Posting dates are estimates and are not guaranteed. You must maintain active credit monitoring throughout the process.

What you will need:

• Full legal name
• Social Security number
• Date of birth
• Current address
• Valid identification
• Proof of address, when required
• Access to active three bureau credit monitoring
• Any additional information requested for placement

Your responsibilities:

• Provide accurate personal information.
• Keep your credit monitoring active throughout the process.
• Avoid applying for unnecessary accounts while your credit strategy is in progress.
• Avoid making major credit profile changes without discussing them with us first.
• Notify CTC Solutions if your address or identifying information changes.
• Understand that you cannot use or make purchases on the tradeline account.

Important disclosures:

A tradeline is not a new credit card issued to you. You are added as an authorized user only. You do not receive the physical card or access to the credit line, and the tradeline does not provide purchasing privileges. CTC Solutions does not guarantee a specific score increase, and does not guarantee approval for credit cards, loans, housing, vehicles, or business funding. Results depend on your complete credit profile. Reporting to all three credit bureaus is not guaranteed, and reporting dates are estimates that may be affected by the creditor, provider, or credit bureaus. Screenshots or account access information from the primary account holder are not guaranteed. A tradeline should only be used as one part of a complete credit strategy.

Pricing:

• Flat fee of $300, collected upfront before service begins, as an add-on for an additional person or partner enrolled with the promotional credit service.
• This fee covers the tradeline add-on service only. It does not include the cost of the tradeline itself, which is priced separately based on the account selected.

Important: All information must be submitted correctly before placement. This fee covers the service and placement process, not a guaranteed score increase or funding approval. Refund or replacement eligibility depends on the reason the tradeline failed to post and the applicable service agreement. If incorrect information supplied by you causes a reporting problem, additional fees may apply to correct and resubmit the placement.

Christina The CEO | CTC Solutions, Credit is the new luxury.