Congrats on getting your DUNS number! Opening accounts with Grainger and Uline is a great start, but ideally, you want 3-5 trade lines reporting to Dun & Bradstreet (D&B), Experian Business, and Equifax Business to effectively build your business credit. I’d recommend adding Quill, Summa Office Supplies, and Crown Office Supplies as additional net-30 vendors if you haven’t already. Make sure you use and pay off your accounts on time so they report to the business credit bureaus. Once you have at least 3-5 trade lines, you can move on to Tier 2 credit accounts like gas cards, store cards, and eventually business credit cards! Have you signed up for Nav.com? It’s a great tool to monitor and build your business credit. If your personal credit is strong, you can also fast-track business credit by positioning yourself as a key executive instead of a co-signer. This allows you to qualify for business loans, credit cards, and auto loans without being personally liable. Once approved, the debt reports under your EIN, helping you build business credit while keeping your personal credit separate. You’re on the right track! Just make sure you monitor your business credit scores regularly. Also, if you’re interested in the Amex Platinum for Business, you can use our referral to earn 150K points. Just click the link and wait until you see “Referred by Success at the Top.” We can’t wait to see you level up your business credit score 🚀 Wishing you more success! 🙌

@Christina Clark Hey Christina! Yeah, some vendors like Uline require a purchasing history before granting Net 30 terms. There are plenty of other vendors that report to business credit bureaus right away! You might want to check out companies like Grainger, Quill, Summa Office Supplies, and Crown Office Supplies. As for the amount, yes, most vendors prefer purchases of at least $50-$100 per order for it to be reported. Buying small amounts like $20 might not be enough to make an impact on your credit profile. Try to make consistent purchases, pay on time (or early), and diversify your vendors to build a strong business credit profile faster. Also, When it comes to building business credit, the amount you report plays a crucial role. For example, if you only report a $20 payment, it’s not necessarily bad, but it won’t significantly impact your credit profile. Lenders evaluate your ability to handle debt based on your payment history and the amounts you’ve successfully paid off. This concept is known as Comparable Credit. It works like this: if you’re trying to buy something substantial—let’s say a Rolls-Royce—the lender will look at your history and ask, “Have you ever paid off anything close to the price of a Rolls-Royce?” If not, they may hesitate to approve you for such a large loan. The same principle applies to business credit. The size of your reported trade lines (credit accounts) matters. If your business credit profile only shows small amounts, banks will be reluctant to lend you large sums because they have no proof that you can handle bigger debt. Here is our Amex Link Check and see if you will get Approved https://www.americanexpress.com/en-us/referral/business-platinum-charge-card?ref=SUCCEN0H7c&xl=cp01

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Welcome

Yes, you can email Aman Brar, at [email protected]. He’s a great guy—he helped us with our website needs, and we had a great experience working with him. I highly recommend reaching out to him! Keep us posted.

Tell him you’re from Success Community

@Muhammed Seriki If the account is already closed and marked as settled, paying the $190 will only change the status from ‘Settled’ to ‘Paid’ but won’t remove the negative history from your credit report. Since the payment history won’t change, it may not be worth paying unless you have a specific reason (e.g., a lender requiring it to be marked as ‘Paid’). Instead, you could consider disputing the account to see if it can be removed from your report, especially if there are inaccuracies. Otherwise, if it’s already closed and settled, it may be best to just let it age off your report over time. Delete the whole account bro

@Muhammed Seriki we gonna do a walkthrough video soon on how to delete accounts using Consumer Law, FTC, and CFPB methods. Full Sweep 🧹