NOTE: This impacts many of the lessons below!
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How to access the D&B DUNSmanager® to submit updates or launch slow payment disputes.



One of the first things we do for our clients is create new accounts they can use to build their business credit. These are generally small trade or vendor accounts allowing net term credit of $200 to $1000, utilizing suppliers who auto-report all qualifying business transactions to the corporate credit bureaus.

Tradelines are a fast and effective way to earn strong scores or provide a boost to struggling credit files, and they grow as you use them.

I have seen clients who used the accounts to get scores generated and then never used them again. I have also seen clients, like myself, who use them religiously as part of their day-to-day operations. Believe it or not, there have even been clients who scoffed at small trade lines as insignificant and refused to use them at all.

Surprisingly, how you utilize these accounts can positively impact your business credit scores and rating in more ways than you think.


About a year ago, a very skeptical business owner called in for a free consultation. He was frustrated because his $2 million a year company was paying out over $600,000 annually in expenses but the only payment in his credit report was a slow payment from two year's prior. Any creditor who reviewed his report saw poor payment history, no Paydex® score, no rating, and more importantly, no creditworthiness.

It only took about a month for us to add many of his existing vendors and suppliers to his D&B file and get the slow payment removed. At the same time, we also worked with his staff to create a few new auto-reporting trade accounts because we know these accounts will keep reporting to his file and provide continuous positive payment history. Eventually, he had established a solid foundation with strong scores and ratings and was reaping the benefits.

After finishing with our program, he switched to a "maintenance" program to ensure his credit file never went back to where it had once been. Over time, he has seen his scores continue to be boosted by his newly acquired credit, but also by the constant re-reporting by those small, low-dollar trade accounts his staff still uses when buying office supplies, postage, and other products.