Authorized User Tradeline Services & Primary Rental Tradeline
All package authorized user trade-lines appear within 60 days from the date you make your balance payment to pay for your authorized user trade lines on your file. Most post within 30 days, and some post sooner. It depends on the credit bureaus after you are added.
Some trade-lines stay on a your file permanently. Most AU’s only stay on your file from 30 to 60 days. You want to take advantage of primary trade line applications while the authorized user accounts are attached to your new file.
If the authorized user line does not appear within the 60-day period, we will issue a replacement (if conditions are met). If the replacement line also fails to post within its timeframe, we will provide a new tradeline.
However, we require you to maintain an active credit monitoring service to verify whether tradelines have posted. We recommend free trial services like [list of services provided below], which you can cancel within the first week at no cost (instructions provided below).
Here’s why this matters: We need verified proof that a tradeline has not posted before we can invest in adding replacement tradelines. Without active credit monitoring, there’s no way to confirm posting status. These monitoring services use APIs with security protocols that pull current, real-time credit report data—which is why they typically cost money, though free trials are available.
From our perspective, we must have absolute confirmation that tradelines are missing before providing additional services. Credit monitoring is the only reliable way to obtain this proof.
Important Client Responsibility
You as the client and/or Agent Broker are responsible for the accuracy of information you submit to us. Being one digit off on a Number or date of birth, or spelling a name incorrectly will cause a trade-line not to post properly. We DO NOT replace lines when you submit inaccurate information so please double check your info. If you submit incorrect or inaccurate information, you would need to re-purchase the line again if the order was already processed.
Credit Monitoring Requirements
It is the client’s responsibility to open credit monitoring services with the three major U.S. credit bureaus. We highly recommend: https://www.identityiq.com/ because it provides quicker updates, more accurate information, data from the three major U.S. credit bureaus and sends alerts in real time that the free services do not send.
Don’t have the money right now to pay for credit monitoring services? That’s OK, just get the free trial of any of the paid services for a week. Pay the $1 and then as soon as you download all three credit reports You can cancel it on the 6th day so you don’t get charged the monthly premium fee.
Just be sure not to sign up for any paid credit monitoring (If you can’t afford the monthly monitoring cost) until you KNOW, and we’ve let you know, that the trade lines should have posted already. That way when you’re doing the free/premium option you can have that 6 day window to make sure that you’re able to see the trade lines posting before you cancel the premium credit monitoring account.
Note that we do not accept Credit Karma or any free credit monitoring site account status as proof of non-posting (example: creditkarma.com only shows 2 credit agencies scores).
Accepted Monitoring Sites
***The monitoring service you use must provide access to all three credit bureaus (Equifax, Experian, and TransUnion).
Free credit reporting sites use outdated data systems, which means updates can take months to appear. In contrast, paid monitoring services show new information as soon as it posts to your credit reports. This real-time access is essential for verifying tradeline posting in a timely manner.
- Identityiq.com
- Creditchecktotal.com
- Experian.com
- Transunion.com
- Equifax.com
- Myfico.com
Last step in order to provide the data for proof of non posting:
send your credit monitoring login details to:
support@creditprivacynumber.com
So we can review your case to verify that the lines have not posted within the window of expectation so we can provide the rental primary or authorized user trade lines that were to come with your package.
Reporting Timeline
After the 30th business day after the upload date, if the line has not posted, please contact us to inform us. We will investigate. If you don’t contact us, then we DON’T KNOW ABOUT IT.
After 20 business days, if you have not emailed us we will assume that the line has posted and the transaction has successfully completed.
Fraud Alerts & Freezes
IMPORTANT: If you have a Fraud Alert or Freeze on your credit report, you MUST remove it in order for your trade-line to report properly. ANY AND ALL FRAUD or FREEZE ALERTS MUST BE REMOVED BY YOU.
If you do not remove fraud alerts or freezes, you will run into posting issues that we will not accommodate for. In order to remove a Fraud Alert, you must call each credit bureau and remove it. You are welcome to put the fraud or freeze alert back on your file once your trade-line posting is complete.
In the event of a trade line getting shut down, or a line becoming unavailable or sold out, we will select an adequate replacement trade line and move you to it. This may be without notice. Changes happen so frequently that we are unable to notify every client of every change.
Other packages listed on the site also have a specific time frame for completion. If you buy a tradeline à la carte & not in a package expect a minimum of (1) credit agency posting. A substitution will NOT be issued if instructions were not followed.
LEGAL NOTICE
This program is not intended to be used as a method of defrauding banks, creditors, or any other organization that requires your social security number as identification. This program is not a method to avoid paying your existing or future debts. If you created the debt, you are responsible to repay that debt. However, we will not support, facilitate, nor condone any fraudulent activity. The information here is for informational purposes only and for you to use at your own risk. We are not lawyers or any legal services. We have a non-refund policy because of the work needed to give you the info.
“MCA”, “Ministry of Civil Affairs™” A/K/A TMMinistry of Civil Affairs© PMA (Private Membership Association) has posted this message in plain sight on the front page of our webpage so U.S. consumers can be aware “CPN’s” are defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGHOUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDERS LEGALLY ORIGINATED BY THESE SAME BANKS.
IT IS OUR STATEMENT THAT Ministry of Civil Affairs™ IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS:
- Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers’ credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers (“EINs”), Taxpayer Identification Numbers (“TINs”), or alternative Social Security Numbers in lieu of the consumers’ own Social Security Numbers;
- Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer’s own social security number is legal;
- Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers’ credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit;
- Misrepresenting any fact material to a consumer’s decision to purchase our products or services;
- Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers’ credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers (“DBNs”), Employer Identification Numbers (“EINs”), Taxpayer Identification Numbers (“TINs”), or alternative Social Security Numbers in lieu of the consumers’ own Social Security Numbers;
- Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer’s own Social Security Number is legal;
- Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers’ credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and
- Misrepresenting any fact material to a consumer’s decision to purchase our products or services.
Important Disclaimers & Policies
Ministry of Civil Affairs™ cannot guarantee approvals and will not issue any refunds because of no approvals.
Ministry of Civil Affairs™ CANNOT issue a refund on trade-line/tradeline services in the event tradeline(s) do not populate onto Base Profile Product Credit Profile Number or Social Security Number when buying tradelines à la carte or as part of a package on our packages page.
If you find that your order contains information other than the information needed to complete your order we recommend contacting us for assistance if you experience any issues receiving or downloading our products.
Ministry of Civil Affairs™ will not issue refunds on any orders containing CPN(s) Ministry of Civil Affairs™ did not generate due to unforeseen factors during the development of the CPN that may cause any of our services not to perform as intended.
Advanced Deposit Policy
If you made a deposit on a service or product to secure a discount price or otherwise, all deposits are non-refundable. However, you can apply the deposit to other products or services if you change your mind about the original product or service you made a deposit for.
Refund Policy for Tradelines and CPN Services
Disclaimer on Tradeline Authorized Users and CPN Services
Please be advised that we cannot guarantee tradeline authorized users, as these services are provided by third-party vendors beyond our control. Due to frequent changes in financial institutions, we also cannot offer refunds for credit privacy numbers (CPNs).
While we strive to assist you in creating and maintaining your privacy file, using a CPN is at your own risk. We can confirm that using a CPN in commerce is legal; however, we cannot ensure that third-party companies will accept CPNs, even if you disclose your use of one.
CPNs do not have established legal guidelines; however, we emphasize the importance of ensuring your CPN is valid, that a trimerged report has been completed, and that public records are accurate to successfully build your CPN profile.
As the financial landscape changes, we cannot guarantee the reliability of CPN files. Nevertheless, our credit privacy file package includes a Social Security Number (SSN) disclosure kit that enhances access to products and services without the need for a CPN or SSN. This kit is valuable and represents the insider information we provide through our communications.
The insights and educational support we offer far surpass any costs associated with our services. We understand that personal circumstances vary; whether you face threats or seek privacy, utilizing our files can help you navigate these challenges effectively.
To benefit from our services, you must actively engage in your file’s development. We provide extensive information, including guides, legal references, and direct support. Each file we create is ensured to be safe and unassociated with any other identity or financial matter. If an error occurs and your number is compromised, we will gladly create a new file for you at no additional cost.
We offer clear step-by-step instructions to help you manage your file responsibly to avoid any overlapping with your previous information. While we provide comprehensive guidance, we cannot accept responsibility for mistakes made by clients, even with ample resources available on our website.
Although we do not offer refunds, we provide substitutions, new files, credits toward other services, and ongoing support available five days a week. Thank you for your understanding and cooperation.
Here’s a clear breakdown of how our tradeline service works and what you can do with it:
Our Guarantee: Due to the challenges and costs involved, we can only guarantee that your package will successfully post to a minimum of one credit bureau. More than likely the more you’ve spent on your package and the additional trade lines that come with our more advanced packages will usually have at least two credit bureaus post credit scores and sometimes 3. once your score/s post the original package that you purchased service has been successfully completed. Even though we provide lifetime support on your profile on your account helping you along the way our services are considered finalized once your score is post.
Why This Matters: Seeing a credit score appear in your profile is a major milestone.
Your Next Step: Carefully read our “Primary Trade Lines” email (if you haven’t received it yet email support so we can send it out immediately). It includes a link to a list of lenders and the specific credit bureaus they use So for example if you 700 plus scores posting on Equifax you can deal directly with all of the financial tools and lenders that pull from Equifax so you don’t do applications that result in negative responses and hard inquiries. we recommend doing applications to companies that specifically say on their website that they do soft pulls and not hard pulls. If you want a list just ask.
The Bottom Line: Even if you only have one bureau reporting a score, you can still access all the financial companies and tools that rely on that bureau. **Special Note: If you’re a member with us you’ve received a list of recommended secure cards and most all secured cards post to two to 3 credit bureaus. additionally our rental primary that shows five to eight years of credit history also shows scores on two to three credit bureaus. That service can be found HERE.
Base Profile Product Policy
The Base Profile Product you purchased is a digital product made specifically for you. We cannot put it “back on the shelf” so to speak. There is no refund for the “Base Profile Product” you already received and can still use regardless of your understanding of how to use it successfully or not. Our service and logic to set you up for success comes free of charge with the Digital Base Profile Product that you purchased and gets delivered to you. The additional free enhancements that come with the file add additional value to the consideration you have in commerce with rentals etc. We are here to help you achieve the mission you assigned to us by providing the data you need or the instructions to make all digital variables stack in your favor for your desired outcome. In rare circumstances there are files that are created that will have inaccurate reporting posted on the credit file when a client logs in for credit monitoring for the first time. You agree and allow Ministry of Civil Affairs to create a new credit file for you in these circumstances or remove and dispute any accounts on the file that are inaccurate when the file is not associated with any other entity. No substitutions are given 6 months from the “File Genesis Date” stated on your “New File Data” document.
New Business Start-Up Package
The statement on the business package service includes menu item #1 “get you Business Funding up to $10,000 in as soon as 5-weeks from service start date *Restrictions apply” is established within (5) weeks of business “work days” not including holidays and weekends. We have support 7 days a week but do not conduct business build-out procedures during the weekend as many websites are not processing business data audits from human users during the weekends. 5 weeks x 7 days equals 35 total days. 5 weeks in “business days” a.k.a. “weekdays” or “work days” is equivalent to a total of 46 days depending on holidays during the time of business management.
The price of the “New Business Start-Up Package” and the statement that the “price includes filing fees” signifies that our service covers and includes Secretary of State registration fees, domain registration, business email creation and forwarding, monthly hosting fees, 800 number setup fees, virtual address fees, and other business services as listed in the features of the service page. Ongoing operating costs, such as business address, 800 number, domain, business email creation and forwarding, and monthly hosting fees, will be absorbed by MCA for a period of two (2) months, after which the client will assume responsibility for all subsequent payments. brandmetrics.us will begin billing the client for business email, annual domain management, and monthly hosting fees once the two-month credit period expires. Clients are required to log into their accounts and replace MCA’s credit card with their own for future billing related to the business address and 800 number. If the client fails to update the default billing method, MCA will send reminder notices to ensure that clients remain up to date with their business services necessary for their success. Should the default payment method not be updated, MCA or one of its members or administrator members will add a handling and processing charge to the management fees of the affected services and allow the client to pay by a method that is most suitable for them. In the event that the registered business owner does not communicate regarding their business services and fails to pay for these services, the 800 number, virtual address, domain, business email, and hosting may be suspended, making your business and web presence unreachable to the public. Clients will receive email notifications about the status of their business services associated with their business build-out to help them stay informed and ensure the best chance of success during the processing of establishing their new business structure.
Additionally, “5-weeks to $10,000.00” assumes that there is a PG a.k.a. Personal Guarantor attached to the business with a 690+ FICO© Credit Score via a Credit Privacy File or an attached SSN Credit Profile. “Up to” can mean any approvals we get you “up to” $10,000 which can be any amount up to the stated $10,000 shown. You agree that the Business Start-Up Package is not refundable since the logic and consultancy that goes into assessments and directives of your business’s management cannot be put back on the shelf so to speak to be returned and sold to another party. If you select to register an LLC in a state other than New Mexico the additional registration fees will be added onto the total service price. Additionally, you will receive support up to 90 days with any edits on your website or with the secretary of state to file amendments to business structure or data. The 90 days starts from the time you make your first payment for the business build-out service. If you need support outside of the 90-day window then a service and consultation fee will be charged at $50 an hour for any changes or updates to the business structure or website. For less expensive website management after the 90 days go to brandmetrics.us to manage your domain and wordpress hosting access.