Please read these Terms and Conditions ("Terms") carefully before using the website located at maxtradelines.com or purchasing any services from OjehTradelines, LLC dba MAX Tradelines ("Company," "we," "us," or "our"). By accessing our website or placing an order, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1 Acceptance of Terms

By accessing or using the MAX Tradelines website and services, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

These Terms apply to all visitors, users, clients, and brokers who access or use our services. Your continued use of the site following any modification to these Terms constitutes your acceptance of the updated Terms.

2 Description of Services

MAX Tradelines provides authorized user tradeline services. Specifically, we facilitate the addition of clients as authorized users to seasoned credit card accounts held by third-party primary account holders. The purpose of this service is to allow positive account history to appear on the client's credit report.

Our services include:

  • Authorized user tradeline placement across multiple credit tiers
  • A broker partner program allowing approved partners to resell tradelines
  • A credit score simulator tool for estimation purposes only
  • Educational content and support regarding credit building strategies

⚠️ Tradeline services are provided for credit profile improvement purposes only. We make no guarantee of any specific credit score outcome. Results vary by individual credit profile.

3 Eligibility

To use our services, you must:

  • Be at least 18 years of age
  • Be a legal resident or citizen of the United States
  • Have a valid Social Security Number or Individual Taxpayer Identification Number associated with a U.S. credit file
  • Provide accurate, complete, and current information as required to complete the authorized user process
  • Not use our services for any unlawful or fraudulent purpose

We reserve the right to refuse service to any individual at our sole discretion.

4 Orders & Payment

All orders are subject to acceptance by MAX Tradelines. We reserve the right to refuse or cancel any order for any reason, including but not limited to product availability, errors in pricing or product description, or suspected fraudulent activity.

Pricing: All prices are listed in U.S. dollars and are subject to change without notice. The price displayed at the time of purchase is the price you will be charged.

Payment: Full payment is required at the time of purchase. We accept major credit cards and other payment methods as indicated on the checkout page. By providing payment information, you represent that you are authorized to use the payment method provided.

Purchase Deadlines: Each tradeline listing includes a purchase deadline — the last date to purchase in order to be included in the current reporting cycle. Purchases made after the deadline will be applied to the following reporting cycle.

💡 Review the purchase deadline on each listing carefully. Deadline dates are displayed on every tradeline card at the time of purchase.

5 Refund Policy & Posting Guarantee

MAX Tradelines stands behind every tradeline with a Posting Guarantee. If a tradeline you purchased fails to post to your credit report within the stated reporting window, we will:

  • Replace the tradeline with a comparable or better tradeline at no additional charge, or
  • Issue a full refund of the purchase price for that tradeline

To qualify for a replacement or refund under the Posting Guarantee, you must:

  • Contact us within 14 days of the stated reporting deadline passing
  • Provide documentation confirming the tradeline has not posted (e.g., a credit report screenshot)
  • Have provided accurate authorized user information at the time of purchase

Non-refundable circumstances: Refunds will not be issued if the tradeline posted successfully and was later removed, if the client provided incorrect personal information, or if the refund request is made outside the 14-day window.

⚠️ All sales are final once a tradeline has successfully posted to your credit report. Score outcomes are not guaranteed and do not constitute grounds for a refund.

6 Disclaimers

Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

No guarantee of credit score improvement: While authorized user tradelines are a well-established credit-building strategy, MAX Tradelines does not and cannot guarantee any specific increase to your credit score. Credit scores are calculated by independent bureaus and scoring models outside of our control.

Credit Score Simulator: The simulator tool on our website provides estimates only. It is not a guarantee of results and should not be relied upon as financial or credit advice.

No financial or legal advice: Nothing on this website constitutes financial, legal, credit counseling, or tax advice. You should consult a qualified professional for advice specific to your situation.

7 Limitation of Liability

To the fullest extent permitted by applicable law, OjehTradelines, LLC dba MAX Tradelines, its officers, directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

  • Loss of revenue, profits, or business opportunities
  • Failure to achieve a desired credit score outcome
  • Actions taken by credit bureaus, card issuers, or scoring models
  • Any decision made by a lender, landlord, or other third party based on your credit profile
  • Unauthorized access to or alteration of your personal data

Our total cumulative liability to you for any claim arising out of or related to these Terms or our services shall not exceed the total amount paid by you to MAX Tradelines in the six (6) months preceding the claim.

8 Prohibited Conduct

You agree not to use our website or services to:

  • Submit false, misleading, or fraudulent information
  • Impersonate another person or entity
  • Attempt to gain unauthorized access to any part of our systems or services
  • Use our services to facilitate identity theft, credit fraud, or any illegal activity
  • Scrape, copy, or redistribute our content, listings, or proprietary data without permission
  • Interfere with or disrupt the operation of our website or servers
  • Resell our services without being an approved broker partner

Violation of these prohibitions may result in immediate termination of your account and access to our services, and may be reported to applicable law enforcement authorities.

9 Intellectual Property

All content on the MAX Tradelines website — including but not limited to text, graphics, logos, images, page layouts, tradeline listings, pricing structures, and software — is the property of OjehTradelines, LLC and is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from our website without our prior written consent.

The MAX Tradelines name, logo, and related marks are trademarks of OjehTradelines, LLC. Use of these marks without permission is strictly prohibited.

10 Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.

We collect only the minimum personal information necessary to add you as an authorized user and to communicate with you about your order. We do not sell your personal information to third parties.

11 Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including but not limited to:

  • Violation of these Terms
  • Suspected fraudulent, abusive, or illegal activity
  • Provision of false or inaccurate information
  • Chargebacks or payment disputes initiated without valid grounds

Upon termination, your right to use our services immediately ceases. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Any dispute arising out of or related to these Terms or our services shall first be addressed through good-faith negotiation. If a resolution cannot be reached, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), conducted in English in the State of Texas.

You agree to waive any right to a jury trial or to participate in a class action lawsuit in connection with our services.

13 Changes to These Terms

We reserve the right to update or modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. We may also notify you by email or a notice on our website.

Your continued use of our website or services after any changes to these Terms constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

14 Contact Us

If you have any questions, concerns, or requests regarding these Terms and Conditions, please contact us:

We will respond to all legal inquiries within a reasonable timeframe.

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