I have yet to meet anyone who runs their business without expenses. Whether you're paying for prepared products or raw materials... advertising or marketing or shipping supplies... software subscriptions or legal fees... cars, jewels, chemicals, tires, flour, fans, computers... doesn't matter. But where and how you pay those things DOES! So why not get credit for your prompt payment history!
Adding just one payment to your D&B file has the potential to boost your scores and ratings by up to 90%. So adding five or eight or a dozen payments, even if some of them are considered "prepaid" or COD, can boost your credit capacity even further.
Some credit enhancement companies will try to talk you into using the same old cookie-cutter creditors they use on all their other clients, and that's just crazy. They don't care that those cut-and-dried vendors will actually put your company into a riskier classification.
Because I worked at D&B for almost five years, I tend to look at things through their eyes. I know what types of behaviors they see as risky or questionable. That's part of the reason why I push my clients to save their time and money (and risk) by submitting their existing vendors and suppliers to D&B. When those creditors provide strong responses to D&B's questions, their answers will carry a heavier weight, accomplish ten times more in the creditbuilding process, and can usually get your credit file built out in just a fraction of the time!
What questions will D&B ask my vendors?
When you submit your existing vendors to D&B, they are going to put through a vetting process to make sure A) they aren't an autoreporting vendor who has already reported on you in the past, or B) they are qualified to be manually contacted so your credit history can be added into your file.
A) If your vendor is an autoreporter, a trade fulfillment agent will either link them to your file so payment history can flow in through normal channels, or they will find the most recently reported transaction in D&B's vast archive and manually add it into your D&B report.