Do I need special software or hardware to read eBooks?

All you need is your PC, laptop or hand held device and the free Reader software. We offer eBooks in three different formats: PDF download, EPUB download and Online Reader.  Our Online Reader requires no software other than an internet browser. For downloading, we will provide you with a link to download the appropriate Reader software free of charge when you make a purchase.

Which format should I choose?

That depends on your Operating System and if you would like to read your ebooks on your PC or on a hand held device. For advice on selecting the correct format for your requirements, check our device guide. Also, a lot of our ebooks are available in more than one format, so once you have purchased the book you have access to all the available formats (as long as they are supported by your device). If you don't like one format you can just try one of the others. For more information on the difference between formats check our formats guide.

Why do I have to Authorise my Reader, and how do I Authorise?

In order to read secure Adobe DRM protected eBooks, you need to Authorise your Reader software prior to downloading the ebook. The process of Authorising identifies you as the rightful owner of the ebook and is a security measure to protect the copyright of the ebook.

Can I download eBooks on to my hand held device?

In most cases, yes. This does depend on which operating system your hand held device is running however, as different eBook formats are compatible with different operating systems. For detailed information on which eBook formats are compatible with your hand held device, check our device guide.

Can I print and copy my ebooks?

eBooks have DRM security settings that may prevent (or limit) printing and copying of some ebooks. These are set by the Publisher and vary from ebook to ebook, and even from format to format for the same ebook. You can view the security settings for each title by clicking the "Print & copy permissions" link below the "Add to cart" button on the ebook product page.

Once I have purchased my ebook, will it always be available?

Yes, once you have purchased the ebook it is yours. The title is stored on your dolphinbooksandmore.com account and you can access it at any time by logging in with your username and password. Most formats allow you to download the title as many times as you like however, we do put a limit on the downloads to prevent abuse of the system. If you need to download your ebook again and you are receiving an error message indicating that you have used all of your licenses, please contact our support team who will be happy to reset this license for you.

How do I get help if I have a problem?

If you are not able to find a solution to your problem on our website, please contact our support team who will be happy to assist you and, will always try to respond to your request within 24 hours.

What are the benefits of reading ebooks?

• In most cases, ebooks are cheaper than paper books.
• Instantly available worldwide - just download the ebook instead of waiting for "snail mail" or local release.
• Full Text Search available - Search our entire database of ebooks for a specific phrase or keyword.
• Convenient - imagine loading several novels and a few magazines onto a portable reading device before you go on holiday.
• Quick to download - the average novel takes only 2-4 minutes.
• You can build a whole library of digital books.
• Users can do research and create or organize content.
• ebook reading software is free and easy to download from the internet.

What is your refund policy?

No refunds. All sales are final.

Will I be able to view my eBooks offline using a PDF Reader for iOS and Android?

Yes. Once the ebook is downloaded onto your device, you can read them offline anytime anywhere!

What tax do I pay?

If your government requires us to do so, we will add applicable sales tax to your purchase price. The tax might be called Sales Tax, GST or VAT, depending on your country. Tax is normally included in the price of the ebook, or it will be calculated at checkout. (Or it will be left off in cases where ebooks are exempt from tax.)

As we need to comply with the tax systems of multiple countries it can get a bit complicated, but we have tried to display exactly what tax you have to pay in the simplest and most transparent fashion.

Simply put, if sales tax is applicable, it will be clearly shown at checkout.

What if I am purchasing for my company and we want to reclaim our tax?

Once the transaction has taken place we’ll send you a tax invoice. This can be used by a company to have the tax refunded. For our part, regardless of whether you’re an individual or an organization, you’ll need to pay the price of your purchase including any taxes. If you’re an exempt individual or organization, you can use our tax invoice to claim back the tax from your taxing authority.

As a company, does dolphinbooksandmore.com pay its fair share of tax?

Yes. dolphinbooksandmore.com is an ethical, independent company based in our home country, United States. We do not have buildings full of lawyers weaving elaborate tax evasion strategies to the detriment of local communities. We do not have a labyrinthine corporate structure whose sole purpose is to evade our corporate and community obligations. We don’t pretend to work from Luxembourg or the Cayman Islands. We get on with the job. We do our best, honestly and transparently.

Why does my ebook have fewer pages than advertised?

It is quite common for the page count of your ebook to be less than the number listed on the book’s product page. For instance the product page might say 384 pages, but the PDF is 324 pages!

We are not trying to be intentionally disingenuous and want to avoid any disappointment you might feel if this happens to you with your ebook purchase, so below are the reasons why this could be the case.

It raises the question "Well the PDF is meant to be an exact page for page copy of the printed book, why would that ever be different?"

The most common reason is that sometimes the publisher will include the acknowledgements, prelims, or table of contents in the page count, even though they are not strictly in the page count (they are normally numbered using roman numerals). This inflates the number of pages and gives an inaccurate page count.

Also, when preparing a printed paper book the publisher needs to make the page count divisible by 4 for the printer. So blank pages will be added to pad the book out in order to create the right page count. However for ebook PDFs these pages are not needed and can be removed (although not all publishers remove them).

Finally, sometimes the page count that the publisher gives us is just plain wrong. Often publishers will record the page count for a book when they receive the manuscript from the author. After editing and typesetting and the rest of the production process the finished page count can be quite different. But the publisher may forget to update the page count on their system, meaning we get sent incorrect data.

To sum up: No matter what page count your ebook displays, you are still receiving the same amount of words. There is still the same amount of content and nothing is being lost in the transition from printed book to ebook, regardless of format.

Can I buy a class set of ebooks, to use in class?

The answer is yes, but you must purchase 1 copy per student.

Primary tradelines have always meant one thing: an account on a credit report for which the primary account holder is listed as the primary account holder. This is in contrast to piggybacking off of seasoned tradeline, where the account history reports on the authorized user’s credit report (as an authorized user… not a primary account holder). Some time after the FICO ’08 myth, people thought that “primary” tradelines were “better” than authorized user tradelines. More importantly, they thought you could buy primary lines and add them to credit reports the same way as authorized user lines. Both thoughts are wrong.

WHERE CAN I BUY PERSONAL PRIMARY TRADELINES?
Again, the real question is, “is it in your best interest to purchase primary tradelines?” You can get primary tradelines for free by applying to a bank that tend to give you a chance, like capital one and chase bank. There are too many scams out there concerning primary tradelines, so it is not even worth it to search out a legitimate source… the legitimate sources are usually buried beneath a sea of propaganda and shady businesses. Get primary tradelines from a bank, and boost your credit score with authorized user tradelines from us.

IS IT LEGAL TO BUY PRIMARY TRADELINES?
Unfortunately, we cannot give legal advice, and this answer should not be construed as to us giving legal advice, but there answer is “yes” and “no”. The way in which you obtain the primary tradelines is the determining factor of legality. Buying primary tradelines that were created out of the thin air could definitely be illegal, and there are companies out there that actually do this. However, assuming a pre-existing primary account or becoming a joint account holder and then removing the other account holder are technically legal ways to have primary tradelines. As stated above, there is no reason to jump through these hoops when you can simply get your own primary tradelines for free, legally.

CAN I PURCHASE PRIMARY TRADELINES?
The real question is, do you want to purchase or buy primary tradelines when you can get them for free? You can get some capital one credit cards and / or chase bank credit card with zero credit or even bad credit. Just get your primary lines for free (and don’t buy them), then boost your credit score with authorized user tradelines.

WHICH IS BETTER, AUTHORIZED USER TRADELINE OR PRIMARY TRADELINE?
There is no cut and dry answer to this questions, so we will discuss both primary and authorized user tradelines. First of all, the question is more appropriately posed like this: “what do I need, authorized user tradelines or primary tradelines?” The first concept to acknowledge is whether you need primary tradelines or authorized user tradelines. Primary tradelines are beneficial to your credit score when you have a lack of them. If you don’t have any credit cards in your name, authorized user tradelines can only help so much. On the other hand, if you have a few credit cards that are young, have low limits, etc., tradelines for sale can help place a longer credit history on your report and decrease your debt to credit ratio. Again, it just depends what you need. Call us and we can discuss your specific credit situation.

WHAT DOES PRIMARY MEAN IN PRIMARY TRADELINES?
For all the confusion on the internet, the term primary tradeline is literal. It literally means a line of credit that is yours, primarily. This means, it is not a joint account or an authorized user account. Every line of credit is a primary tradeline for the primary account holder. Auto loans, credit cards, mortgages, these are all lines of credit that are primary for the primary borrower. Authorized user or joint accounts exist when the primary holder of an account lists you as an authorized user or a joint account holder.

DO SEASONED PRIMARY TRADELINES EXIST?
Yes, technically, seasoned primary tradelines exist. However, that is to say a primary account holder with an account opened years ago, has a seasoned primary tradeline. If you are searching for seasoned primary tradelines, then you are most likely looking to add seasoned primary tradelines to your credit report to boost your score. Adding primary tradelines is much more complicated than adding an authorized user tradeline. Stated gently, it is very difficult to sell primary tradelines… legally. Secondly, it is very hard to sell seasoned primary tradelines in a profitable way… so ask yourself why a company would or could exist considering these two limiting factors. There are legal ways to do it and to make money, so I am not suggesting that everyone out there selling primary tradelines is a scam artist, but it is very difficult and we cannot recommend a single source for this process (and we have looked into it). You are better off buying seasoned authorized user tradelines, and save yourself the time and energy. At the end of the day, if you need a primary tradeline, just get your own for free, and boost your score with authorized user tradelines.

Authorized User Tradelines

WHAT ARE TRADELINES?
Trade lines are a great tool to use, but they promote a lot of questions. This is a great FAQs page to visit prior to diving into some of the more complicated areas of trade lines. If you have any other questions, please see other categories of trade lines to the right of this text or contact us. According to experian.com a trade line is an entry by a credit grantor to a consumer’s credit history maintained by a credit reporting agency. A tradeline describes the consumer’s account status and activity. Tradeline information includes names of companies where the applicant has accounts, dates accounts were opened, credit limits, types of accounts, balances owed and payment histories.

Authorized user tradelines mean only one thing: credit card revolving accounts onto which an individual is added as an authorized user. “Tradelines” are the accounts listed in a credit report, such as mortgages, auto loans, credit cards, etc. An “authorized user” is a person which is given access to the account as a user, but who is not responsible for balance. While this is the definition, the term “authorized user tradelines” has become synonymous with a credit enhancement technique where people – like you – can pay to be added as an authorized user for the sole purpose of having the history associated with that account appear on the authorized user’s account. This – if the account is in good standing – can drastically improve the authorized user’s credit standing.

WHAT ARE AUTHORIZED USER TRADELINES?
Authorized user tradelines are typically revolving lines of credit on which someone places another as an authorized user account holder. The tradeline then appears on the users credit report. It is called an “authorized user,” because the person added is merely authorized to use the credit card, but has no obligation of repayment. In addition, the authorized user inherits, so to speak, the previous payment history and characteristics of the account established by the primary card holder. This is why credit scores can increase when a person is added as an authorized user to an account in good standing (and why credit scores can decrease if that same person is added to an account in bad standing).

HOW LONG DO AUTHORIZED USER TRADELINES TAKE TO POST OR REPORT?
I never understood how companies can claim to have lines report within a specific time… on the basis of fact, that makes no sense. The truth is, each tradelines reports once per month. So, if you order a tradeline on the 1st and it reports on the 20th, that tradeline is going to post in 20 days. The only time takes longer to post is in the scenario that you order a tradeline too close to the report date and you have to wait until the next reporting cycle (1 months plus a few days, give or take). So, if you order a tradeline, it should be on your report within 30 days, tops. If the tradelines does not post within 30 days, then the company either dropped the ball or there is something wrong with your credit report (security freezes, fraud alerts, etc.).

DO AUTHORIZED USER TRADELIENS (STILL) WORK (IN 2017)?
Yes, despite all the propaganda about FICO 08, credit bureaus, etc., authorized user tradelines still work and we do this every single day. We wrote here about whether or not tradelines still work, and here about the myths surrounding FICO 08. You can read about tradelines all day long and your head will spin with all the different opinions out there. The best way to determine if it works is to buy a tradeline and find out yourself. What if it does not and you lose money? We have a $10,000.00 surety bond and a trust account… if the tradelines do not post, you get your money back of file a claim against our bond… no other company in the Country offers this kind of guarantee.

WHAT ARE SOME REASONS AUTHORIZED USER TRADELINES DO NOT POST?
What are some of the reasons authorized user tradelines do not post?’]Authorized user tradelines are tricky, which, by the way, makes it is worth it to purchase them from an experienced company in this field, like Superior Tradelines, LLC. There are many reasons authorized user tradelines do not report to credit bureaus, which include the bank of the tradelines, the type of credit line at the bank, whether or not the primary user and authorized user share the same name or the same address, etc. There are many more reasons why they tradelines refuse to post on an authorized users credit report, and we have yet to encounter a scenario in which we were unable to get the tradeline to post correctly. Call us for more details.

Primary Tradelines

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Disclosure Statement Required Pursuant to Federal Law

Consumer Credit File Rights Under State And Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

IT IS OUR STATEMENT THAT CPN PROGRAMS IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. 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; B. 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; C. Misrepresenting any material fact concerning the ability of Defendant's 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 D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. 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; F. 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; G. Misrepresenting any material fact concerning the ability of defendant's 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 H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. § 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. § 1679b(a)(2).

Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. § 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.§ 45(a).

cpnprograms.com has posted this message in plain sight on the front page of our webpage so 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 THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS.

IT IS OUR STATEMENT THAT CPN PROGRAMS IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. 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; B. 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; C. Misrepresenting any material fact concerning the ability of Defendant's 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 D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. 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; F. 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; G. Misrepresenting any material fact concerning the ability of defendant's 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 H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. § 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. § 1679b(a)(2).

Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. § 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.§ 45(a).

cpnprograms.com has posted this message in plain sight on the front page of our webpage so 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 THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS.

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