Understand the payment flow and its limits
How credit card, Zelle and broker-wallet payments move through Confirmed Identity, when seller payment can be released, and where qualifying guarantee and refund claims are handled.
Raquel Hudson, Tradeline Specialist
Reviewed by Raquel Hudson, Tradeline Specialist · Reviewed October 6, 2026
More than a decade of experience in tradeline placement, credit report analysis and client support.
Payment methods and the holding provider
All three payment methods go through Confirmed Identity as part of the payment/holding flow:
- Credit card
- Zelle
- Broker wallet
Confirmed Identity is an independent third-party payment/holding provider, separate from TradelineScore / Bosco Management LLC.
Funds remain in the applicable payment/holding flow while the order is pending. Describing that flow does not establish a legal status or certification for the provider.
Holding, verification and seller payment
Payment/holding flow
Funds remain in the applicable payment/holding flow while the order is pending.
Posting verification
The purchased line is checked through TradelineScore's verification process.
Seller payment
Payment is released only after the purchased line has been verified as posted, under the order terms.
Seller payment is released only after the purchased line has been verified as posted through TradelineScore's verification process.
Holding a payment and verifying posting are different from guaranteeing an outcome. This payment flow does not guarantee posting, a credit score increase, lender acceptance or financing approval. It does not eliminate fraud or every transaction risk.
What is reviewed before a line is listed
The account or line being listed is reviewed and must pass TradelineScore's inspection/verification process before it is listed.
This account/line review is not a claim that every seller or cardholder completes identity verification.
If a purchased line does not post
If the purchased line has not posted by the listing-specific final reporting date and the claim qualifies under the Posting Guarantee Policy and Refund Policy, the buyer or broker is entitled to a full refund for the affected line or service, including its applicable share of any card-processing fee. A general expected posting window is not the guarantee deadline.
Payment holding does not itself create a refund or cancellation right. Review the applicable order terms and policies for eligibility and the available remedy.
Who processes a qualifying refund
If TradelineScore has already received the funds, TradelineScore processes the qualifying refund. If the applicable provider still holds the funds, the provider processes the refund to the original payment method.
Refund timing can vary. No instant or immediate refund is promised.
Read the Refund Policy for the applicable refund scope, eligibility and process.
Frequently asked questions
What payment methods go through Confirmed Identity?
Credit card, Zelle and broker-wallet payments go through Confirmed Identity as part of the payment/holding flow.
Is Confirmed Identity separate from TradelineScore?
Yes. Confirmed Identity is an independent third-party payment/holding provider, separate from TradelineScore / Bosco Management LLC. This describes the provider relationship, not a legal certification or a guarantee of an outcome.
When is seller payment released?
Seller payment is released only after the purchased line has been verified as posted through TradelineScore's verification process, under the order terms.
What happens if a qualifying order does not post?
If the purchased line has not posted by the listing-specific final reporting date and the claim qualifies under the Posting Guarantee Policy and Refund Policy, the buyer or broker is entitled to a full refund for the affected line or service, including its applicable share of any card-processing fee. A general expected posting window alone does not trigger an automatic refund.
Who processes a qualifying refund?
If TradelineScore has already received the funds, TradelineScore processes the qualifying refund. If the applicable provider still holds the funds, the provider processes the refund to the original payment method. Refund timing can vary; no instant or immediate refund is promised.
Check the terms for your order
Review the listing, reporting dates and applicable policies. Contact support if a payment or holding detail is unclear.