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While these are technically wholesale prices (or even below wholesale prices) on tradelines, there is still a time sensitive aspect to this process, since it is on a first come first serve basis. Additionally, the companies offering the service can certainly deny you if, for example, you aren't prepared in terms of documentation or finances. Also, companies can deny service if you're using a "CPN" or anything other than your social security number. So, so long as you are prepared, there's no catch.