The ladder The bureaus Vendors that report What is fraud Check an offer

7. Build 3–6 months of on-time payment history

Pay every tradeline on time (or early) for at least 3–6 months so a track record accrues.

Why it matters

A credit profile is time plus consistency. There is no honest shortcut — this is the step scammers sell around.

How

Keep paying on or before the due date. Watch your PAYDEX / business scores begin to populate.

Source: Dun & Bradstreet PAYDEX + Experian/Equifax business files

What it costs

Time. Three to six months, and nothing shortens it

What gets sold here: ⛔ This is the step every scheme is sold around. There is no honest shortcut, and the ones on offer are fraud.

This step is time-gated and cannot be shortened. A credit profile is time plus consistency — at least 3 months, six is stronger. Every scheme on the fraud list is sold as a way around this one step.

Do these first

6. Open net-30 vendor tradelines that report

Then

8. Apply for a business credit card

A card is a revolving tradeline that deepens the profile — earned by the history, not bought ahead of it.

← the whole ladder

This is general business-credit education, not financial, legal, or tax advice. Confirm specifics with a licensed professional and the official sources directly.