Terms and Conditions

1. Service Description

King Credit Services ("Company," "we," "us") provides primary business tradeline placement services. When you purchase a tradeline, we place a primary credit account in your business's name that reports to the Small Business Financial Exchange (SBFE) and Experian Business Commercial Credit. This is a credit profile enhancement service. We are placing tradelines on your behalf through our authorized tradeline partners.

2. What You Are Purchasing

You are purchasing the placement of a primary business tradeline that will report to SBFE and Experian Business. The tradeline will appear as a new, open, and active account on your business credit profile. You are not purchasing a loan, line of credit, or any form of business funding. The tradeline is a credit-building tool designed to strengthen your business credit profile.

3. Reporting Timeline

Tradeline data is uploaded on the 12th of each month and typically posts to your business credit report by the 22nd of the same month. Total turnaround from payment confirmation and completed intake is approximately 30 days. Reporting timelines are managed by SBFE and Experian Business and may vary slightly due to bureau processing schedules.

4. Reporting Guarantee

We guarantee that your tradeline will post to SBFE and Experian Business within 60 days of payment confirmation, provided that:

• All required information was submitted accurately and completely
• The details form (Step 2) was completed within 7 days of payment
• Your business meets all stated eligibility requirements
• Your business entity is active and in good standing with the Secretary of State at the time of submission

If your tradeline does not post within 60 days and all of the above conditions were met, we will either re-submit your tradeline at no additional cost or issue a full refund at your request.

5. Client Responsibilities

You agree to:

• Provide accurate and truthful business information on the intake form
• Complete the details form (Corporate ID, Experian BIN, Year of Registration, Number of Employees) within 7 days of payment confirmation
• Ensure your business entity is active and in good standing with your Secretary of State
• Notify us promptly of any changes to your business information

Delays in submitting required information may result in delays in tradeline posting. We are not responsible for posting delays caused by incomplete or inaccurate client-provided information.

6. Eligibility Requirements

To qualify for tradeline placement, your business must meet the following requirements:

• Registered as an LLC, S-Corp, or C-Corp (sole proprietorships do not qualify)
• At least 7 months old for new tradelines, or 12 months old for backdated tradelines
• Active and in good standing with your Secretary of State
• Valid EIN (Employer Identification Number)

If we determine that your business does not meet the eligibility requirements after payment has been submitted, we will issue a full refund.

7. Refund Policy

Before submission to tradeline partners: If you request a cancellation before your information has been submitted to our tradeline partners, you are eligible for a full refund minus any applicable processing fees.

After submission to tradeline partners: Once your tradeline has been submitted for placement, all sales are final. No refunds will be issued for tradelines that have been submitted, except as outlined in Section 4 (Reporting Guarantee).

Card processing fees: The 3% card processing premium is non-refundable in all cases, as it covers third-party payment processing costs that cannot be recovered.

Ineligibility: If your business is found to be ineligible after payment (does not meet requirements in Section 6), you will receive a full refund including any processing fees.

8. No Funding Guarantee

We do not guarantee that the placement of a business tradeline will result in approval for any loan, line of credit, credit card, or other form of business financing. Tradelines are designed to strengthen your business credit profile, which may improve your chances of approval. Lending decisions are made independently by banks, credit unions, and financial institutions based on multiple factors including but not limited to credit history, cash flow, collateral, time in business, and revenue. Results vary.

9. Pricing and Payment

Wire / ACH: Prices listed on the website reflect wire and ACH pricing. No additional fees apply to wire or ACH payments.

Credit / Debit Card: Card payments are priced 3% above the wire/ACH price to cover payment processing costs. This premium is disclosed at the time of purchase and is non-refundable.

Promotional pricing: Sale prices and promotional offers are valid only during the stated promotional period. We reserve the right to modify pricing at any time without prior notice.

10. Intellectual Property and Confidentiality

All business information you provide is used solely for the purpose of placing your tradeline. We do not sell, share, or distribute your personal or business information to third parties other than our authorized tradeline partners as necessary to fulfill your order. Your information is handled in accordance with applicable privacy laws.

11. Limitation of Liability

To the fullest extent permitted by law, King Credit Services' total liability for any claim arising from or related to these services shall not exceed the amount you paid for the specific tradeline in question. We are not liable for any indirect, incidental, consequential, or punitive damages, including but not limited to lost profits, lost business opportunities, or damages arising from reliance on funding approvals.

12. Dispute Resolution

Any disputes arising from these terms or the services provided shall first be addressed through good-faith negotiation between the parties. If a resolution cannot be reached within 30 days, disputes shall be resolved through binding arbitration in San Diego County, California, in accordance with the rules of the American Arbitration Association. California law governs these terms.

13. Modifications

We reserve the right to update these terms at any time. Changes take effect when posted to this page. Your submission of an intake form or payment after any update constitutes acceptance of the revised terms. We encourage you to review these terms periodically.

14. Contact

If you have questions about these terms or your tradeline order, contact us:

King Credit Services
888 Prospect St Suite 200, La Jolla, CA 92037
Phone: (844) 689-0199
Email: support@kingcreditservices.com