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

6. Open net-30 vendor tradelines that report

Open accounts with vendors that extend net-30 terms AND report to a business bureau (e.g. Uline, Quill, Grainger).

Why it matters

Reported on-time payments are the raw material of a business credit file. Tradelines that don't report do nothing.

How

Open accounts in the entity's name/EIN, buy things the business actually needs, and pay on time. Confirm each vendor reports.

Source: KB.reportingVendors (confirm current reporting with each vendor)

What it costs

The cost of things the business actually needs

What gets sold here: A tradeline that does not report does nothing for the file. Confirm reporting BEFORE you order, not after.

Do these first

2. Get an EIN from the IRS

3. Open a business bank account

5. Get a free D-U-N-S number

Then

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

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

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