Why do I need business credit?

Better loan terms, vendor lines of credit (net-30 instead of prepay), commercial contract eligibility, leasing approvals, insurance pricing. Personal credit affects business credit but is not the same; banks increasingly look at business credit separately.

D&B's business credit score. 0-100. Based on payment history of tradelines reporting to D&B. 80+ means vendors typically offer net-30 terms; below 50 is risk-flagged.

A line of credit from a vendor or lender that reports payment history to a business credit bureau. Net-30 vendor accounts, business credit cards (some, not all), term loans, lines of credit.

Which credit cards report business credit?

Brex and Ramp report to business bureaus. AmEx Business does not (reports to personal). Capital One Spark reports to business. Most major business cards do not report by default; we identify which ones do.

What does Tradeline reporting involve?

This page covers Tradeline reporting — including what it is, who needs it, how to file or apply, typical costs, deadlines, and how File.Business handles it for you end-to-end.

How much does Tradeline reporting cost with File.Business?

Pricing is shown on this page. We always disclose state filing fees separately from our service fee, with no surprise add-ons at checkout.

How long does Tradeline reporting take?

Turnaround depends on the state agency. Standard processing typically takes a few business days; rush options are available where the agency offers expedited service.

Is this service available in all 50 states?

File.Business handles filings across all 50 US states and DC. State-specific rules, fees, and forms are built into the workflow so you don't have to research them yourself.

Home/HR & Payroll/Tradeline Reporting

HR & Payroll

D&B · Experian · Equifax

Build business credit. D&B PAYDEX. Experian Intelliscore.

Business credit (separate from personal credit) opens better financing terms, vendor credit lines, and contract eligibility. Building it requires consistent reporting to the major business bureaus: D&B (PAYDEX score), Experian Business (Intelliscore), and Equifax Business. We report your vendor payments and (optionally) help you establish tradelines with reporting vendors.

Start reporting

All 50 states + DC 60-day money-back SOC 2 Type II

app.file.business/tradeline/reporting

Tradeline reporting · live status

● 7 vendors · 21 of 21 monthly reports filed

All reporting

VENDOR ACCOUNTCREDIT LINEBUREAUS

Uline · Net 30

paid in 8 days

$8,400

DEN

3 of 3

Quill · Net 30

paid in 12 days

$2,800

DEN

2 of 3

Grainger · Net 30

paid in 6 days

$12,200

DEN

3 of 3

Amazon Business · Net 30

paid in 4 days

$4,600

DEN

1 of 3

PAYDEX SCORE

prompt payer

INTELLISCORE

low risk

FICO SBSS

175

SBA-eligible

D&B + Experian + NAV reporting

All 3 bureaus

Tradeline reporting

$79/mo

How it works

How we handle Tradeline Reporting, end-to-end.

Business credit (separate from personal credit) opens better financing terms, vendor credit lines, and contract eligibility.

Bureau enrollment

We register your business with D&B (assigns DUNS), Experian Business, and Equifax Business. Each bureau has its own enrollment process; we coordinate.

Tradeline establishment

Build initial tradelines: net-30 vendor accounts that report (Uline, Quill, Grainger, Crown Office Supplies), business credit cards that report (Brex, Ramp report; AmEx Business does not), trade vendors that report.

Payment reporting

We coordinate reporting of your payment history to each bureau. Some vendors auto-report; for others, we manually push payment data.

Score monitoring

Monthly score checks across all 3 bureaus. Alerts on score changes. Identify negative items and dispute when warranted.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent tradeline reporting pricing.

Government fees pass through at cost. No upsells.

Monthly

$99

All 3 bureaus, monthly.

Monthly subscription. Bureau enrollment, payment reporting coordination, score monitoring, dispute support.

Get started

Annual

$999

Save $189 vs. monthly.

Annual subscription. Saves $189 vs. paying monthly. Most established businesses use this tier.

Get started

Credit building accelerator

$1999

Annual + tradeline strategy.

Annual subscription plus active tradeline strategy: we identify specific net-30 vendors to open with, recommend business credit cards that report, monitor for score progression milestones.

Get started

FAQ

About the Business Tradeline Reporting Service.

Why does my business need its own credit?

Business credit can mean better loan terms, vendor lines of credit like net-30 instead of prepayment, contract eligibility, and better leasing and insurance pricing, and lenders increasingly evaluate it separately from your personal credit. We help you form the entity and build the profile that makes this possible.

How long does it take to build business credit?

Generally six to twelve months of consistent payment reporting before scores become meaningful, since a business credit file matures over time and scores like PAYDEX need several tradelines reporting. We flag the path so you start building early rather than needing credit you have not yet established.

What is a PAYDEX score?

PAYDEX is Dun and Bradstreet's business credit score, from 0 to 100, based on the payment history of tradelines reporting to D and B, where roughly 80 or above signals reliable payment and often unlocks net-30 vendor terms. We flag how reporting tradelines builds toward a strong PAYDEX. See DUNS.

What is a tradeline?

A tradeline is a credit account, a net-30 vendor account, certain business credit cards, a term loan, or a line of credit, that reports your payment history to a business credit bureau, and building several is how a credit file forms. We flag which accounts report so your on-time payments actually count.

Which business credit cards report to the bureaus?

Only some do: certain cards report business payment history to the business bureaus while many, including some major business cards, report only to personal credit or not at all, so choosing cards that report matters. We flag which accounts build business credit so you are not paying on time with nothing recorded.

Can negative items be removed from my business credit?

Inaccurate items can be disputed through the bureau, which investigates and corrects genuine errors, while accurate negative items generally remain until they age off over time. We flag how disputes work so your business credit file reflects your real, accurate payment history.

How does business credit connect to financing?

Directly: a strong business credit profile improves your odds and terms when you seek financing, since lenders and vendors check it, so building credit is preparation for borrowing. We flag how the two connect so credit building is aimed at the financing you will actually want.

Do I need an entity to build business credit?

Yes, effectively: a formed entity with its own EIN and bank account is what lets a separate business credit file exist, so building business credit starts with proper formation and separation from personal finances. We form the entity and keep it organized so your business credit has a foundation.

Can File.Business help me build business credit?

We form the entity, obtain the EIN, help separate your finances, and support enrolling with the bureaus and reporting tradelines, so your business builds its own credit profile over time, positioning you for better terms when you seek financing.

SOC 2 Type II audited

220,000+ businesses. 60-day money-back. State fees passed through at cost.

Your operating system, not a transaction

Every deadline auto-tracked across your entities. Compliance Score visible year-round.

Transparent pricing

No hidden fees. No upsells at checkout. State fees disclosed upfront.

Business Operating System

I'm starting something

I have a deadline

Something is changing

I need to prove / protect

Build with File.Business

I serve clients

I run a [industry]

I manage multiple entities

I'm integrating or referring

BosAI · your compliance brain

I want intelligence

I need communications

I run money & people

I operate at scale

State of Business Compliance 2026

I want to learn

I want to compare / calculate

I want to research deeper

I need help

Build business credit. D&B PAYDEX. Experian Intelliscore.

How we handle Tradeline Reporting, end-to-end.

Bureau enrollment

Tradeline establishment

Payment reporting

Score monitoring

A clean handoff, in four steps.

A name that's actually available.

Filed with the Secretary of State.

EIN + the right tax setup.

Registered Agent + deadline tracking.

Transparent tradeline reporting pricing.

Monthly

Annual

Credit building accelerator

About the Business Tradeline Reporting Service.

Start your business in the next 5 minutes.

I'm starting something

I have a deadline

Something is changing

I need to prove / protect

I serve clients

I run a [industry]

I manage multiple entities

I'm integrating or referring

I want intelligence

I need communications

I run money & people

I operate at scale

I want to learn

I want to compare / calculate

I want to research deeper

I need help

Build business credit. D&B PAYDEX. Experian Intelliscore.

How we handle Tradeline Reporting, end-to-end.

Bureau enrollment

Tradeline establishment

Payment reporting

Score monitoring

A clean handoff, in four steps.

A name that's actually available.

Filed with the Secretary of State.

EIN + the right tax setup.

Registered Agent + deadline tracking.

Transparent tradeline reporting pricing.

Monthly

Annual

Credit building accelerator

About the Business Tradeline Reporting Service.

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Start your business in the next 5 minutes.