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IMPORTANT NOTICE:  NEW PPP AND EIDL LOANS WILL SOON BE AVAILABLE.  Make sure your company qualifies by updating the corporate details in your D&B report, disputing slow payments, and adding positive payment history.

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How to Avoid "Cookie Cutter" Credit

You probably already know the best way to build up your business credit is to add payment history. If you don't have any vendors or suppliers, you may try to use some of the more familiar trade lines offered up online.

Unfortunately, this can lead to "cookie-cutter" credit where you end up with the same generic payment history as everyone else and nothing of substance that proves your creditworthiness. Believe it or not, using generic suppliers can sometimes do more harm than good.

Trade lines, by definition, are companies who report all business transactions to at least one of the major business credit bureaus, such as Dun & Bradstreet, BusinessExperian, PayNet, Cortera, or Equifax for Business.

In many cases, these "auto-reporting" creditors will provide Net 30 accounts based solely off the fact that you have an existing business credit profile. That's why its important to keep the data in your profile as accurate as possible — so it provides a well-rounded, positive picture of your company's creditworthiness.

In reality, though, you may never have needed to use these companies because your business probably shops more at a local level, and buys more from smaller Mom & Pop suppliers than with the larger companies who would be auto-reporting to the bureaus — and that usually means your regular day-to-day payments to suppliers are never going to magically flow into your credit report to help improve credibility.


Before you rush out to open accounts with some of the more "popular" companies (shown below) who report to the bureaus, you need to know that there is an inherent risk that goes along with their usage, including that cookie cutter look and feel when using the same creditors as everyone else.

D&B and the other business credit bureaus study patterns of behavior. They are constantly on the lookout for anything that resembles fraud that can hurt their corporate clients. They are very familiar with the practices of so-called "credit enhancement" companies. And they also know there are companies out there who will charge you hundreds of dollars to "establish" trade lines that are, in actuality, free to any qualifying business.

So when D&B sees a new D-U-N-S file that suddenly has payment history flowing in from the same vendors as others who use these "one-size-fits-all" vendors, it sets off alarms that your business may be trying to pull a fast one, even if its not.

If you are going to use the below "cookie cutter" suppliers, I recommend that you only use one or two at a time, and that you only make business-related purchases.

  • Uline - office, cleaning, storage, packing, and shipping supplies

  • Quill - just about everything you would find at Staples®

  • Seton - signs, labels, pre-printed forms, parking and facilities maintenance

  • Grainger - tools, equipment, electrical and industrial supplies

  • Gemplers - farm, lawn, landscaping, work-wear, and accessories

  • (More of the less familiar ones are listed below...)

Over the years, a lot of people have been able to generate a Paydex® score by using three or four of these suppliers, but sometimes the payments don't show up in their reports and they end up frustrated. This usually happens when they make simple mistakes like ordering non-business-related products, not spending enough to get reported, not shipping to the business address, or not paying with a business check/debit card.


The fastest way to build substantial credit for your business may be right in front of you (or behind you) in your file cabinet. The payments you have already made to suppliers, contractors, creditors and vendors are the easiest, cheapest, and most beneficial to building your credit and creditworthiness and — in most cases — they actually carry a heavier weight on your scores.

Think about the things you've already purchased, whether from local suppliers or major nation-wide chains, and then get those payments added to your credit report. Your existing creditors will usually say a lot more about your business and its credibility and capacity than a desperate $50 purchase from an auto-reporting supplier that you are using just to get a Paydex® score.

If you are going to spend $200 or more to buy things you don't need from run-of-the-mill suppliers, why not less ($159 for a monthly Creditbuilder®) and submit a dozen or more of your existing suppliers to D&B.

Even one-time purchases you've paid at the time of purchase can significantly boost your scores up to 90% so long as it was done in the business name, so it is well worth the cost — especially if you've already spent your hard-earned money on tools, equipment, supplies, vehicles, contractors, rentals, software, and professional services like accountants, pest control, lawyers, and bookkeeping/payroll services for your business.


On the other hand, if you're shopping for something right now and want to make sure you buy from a company that can help boost your credit at the same time, there are lots more reliable options you can use, such as:

  • Vistaprint - Business cards, brochures, forms, signs, business stationery

  • Deluxe - Checks, forms, portfolios, deposit books and stamps

  • National Pen - Pens, signs, marketing materials

  • Amsterdam Printing - Pens, signs, marketing materials

  • Office Depot - Office supplies, equipment, ink, toner

  • Staples - Office supplies, equipment, ink, toner

  • ADP - Bookkeeping and payroll services

  • Pitney Bowes - Postage and postage machines

  • AutoZone - Auto parts and supplies

  • Advance Auto - Auto parts and supplies

  • PepBoys - Automotive maintenance services

  • Cintas - Janitorial equipment, uniforms, towels

  • And many more...

Again, you should only use the ones that would relate to YOUR specific industry on a day-to-day basis, and they should be used in moderation so you don't end up looking like your credit has been cut using the same pattern as everyone else's.

NOTE: There are specific criteria that have to be met in order for your payments to get reported, so check with me before you set up your accounts or place your orders. I can provide free information to help you make every new purchase benefit your business.

If there is something you are shopping for that isn't on the above list, reach out to me. I may be able to find you a local or national chain provider who will either auto-report or can be manually added to your file. Consultations are always free — 800-918-7505 ext 2.

Our Business Credit Basics Blog


D-U-N-S® is a registered trademark of D&B® and Dun & Bradstreet®.
Starpoint Credit Solutions LLC is not affiliated with Dun & Bradstreet®, however we recommend their products to our clients to assist in the creditbuilding and monitoring process.

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Starpoint Credit Solutions LLC
11504 Joy Street   |   Austin, TX 78748
Phone / Fax  (800) 918-7505
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