Authorized user tradelines
Refund policy
Short version: you can cancel for a full refund until the authorized user addition is submitted to the issuer, and for five days after purchase regardless. After submission, a refund depends on whether the line posts.
Before submission
Until the primary cardholder has submitted your addition to the issuer, you may cancel for a full refund to the original payment method. Email us with your order reference. Refunds are issued through Stripe and normally appear within five to ten business days.
The five day cancellation right
Under the California Credit Services Act (Cal. Civ. Code §1789.16) you may cancel this purchase for any reason within five days of the transaction date. This right applies whether or not the addition has been submitted. If the addition has already been submitted within that window, we withdraw it where the issuer allows and refund in full.
After submission
Once the addition has been submitted and the five day window has passed, the purchase is non-refundable, except as follows.
- The line does not post. If the account does not appear on all three bureaus, Equifax, Experian and TransUnion, within two reporting cycles after the addition, you choose a full refund or a seat on another available line.
- The account closes or you are removed early. If the cardholder closes the account or removes you before the four month term ends, you receive a refund for the remaining whole months of the term, or a seat on another available line if you prefer.
- The account changes. If the account reports a late payment or utilization above 5 percent during your term, you choose a full refund or a seat on another available line.
What is not refundable
- A score result you hoped for. We make no score representation, so no score outcome is a refund ground.
- A lender's decision. Lenders weigh authorized user accounts as they see fit.
- A line that posts one cycle later than the date shown because the reservation was placed close to the closing date. The line still runs its full four month term from the date it first reports.
- Details you supplied that were wrong or incomplete, where the addition failed for that reason and you did not correct them when asked.
How to request a refund
Email the address on your confirmation with your order reference, the line concerned and the reason. We reply within two business days. Do not send date of birth or Social Security digits in that email.
Disclosures
- Being added as an authorized user does not guarantee any specific credit score increase. Results vary by individual credit profile.
- The primary cardholder retains full control of the account and may remove the authorized user or close the account at any time without notice.
- Tradelines are added and remain active for a four month term before removal, unless renewed. Renewal for a further four month term is offered at 35 percent off the listed price.
- Purchases are non-refundable once the authorized user addition has been submitted, except as stated above.
- Timing is tied to the card's statement closing date. Late reservations near a closing date may cause the tradeline to report a cycle later than expected.
- This service is separate from Pinnacle's forensic dispute and FCRA work and does not constitute credit repair, legal or financial advice.