The “Purchase By Date” is the last day to purchase a tradeline and have it guaranteed to report during the upcoming reporting period. You can still purchase the tradeline after the puchase by date, but it won’t be guaranteed to report until the next reporting period.
Example: If the purchase by date is the 5th and the reporting period is the 16th-23rd as long as you buy the tradeline on or before the 5th we guarantee it will post between the 16th-23rd of that month. I f you purchase the tradeline after the 5th then our guarantee of posting moves to the reporting period on the following month.