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Eddie the answer to your question is: first we will start with dun bradstreet, In order for any A/R Data , trade experences (aka trade lines) to ever post to your credit file at dnb you must first buy in to there score builder program or credit builder plus program. If you do not buy in to there program anything reported on your company will go in to a seperete data and wont be aloud to ever post to your credit file until you do, That is if you buy into there program with in 6 months of them being reported in, If not they will toss them out. Also anyone running a credit check on your company will just see INCOMPLETE FILE AND NO SCORE. dun bradstreet claims they have the most up to date information in the world when in fact they don't, how could they if they don't add everyones trade lines unless they buy into there program. They mis lead the public, There crooks in other wards. It takes 3 trade lines to get a paydex score. Also if the company reporting the trade line has not bought into there program or has not had a dun number for a year they will say that company does not meet the critera to verify your trade line and will not add this trade line to to your credit file.Also you need more than just trade lines you need to also fax into them your company financials if you don't it will still say incomplete credit file. Business credit does not work or score the same as personal credit. and they do not have a grip on it like personal credit. the scoring system works like this: on a scale from 1 to 80 The more trade lines you have tells a company that your doing business on a larger scale. This raises your score. Keeping a lot of ACTIVITY on your trade lines (meaning buy something on credit and making your payments on time) tells a company that your doing consistant business. This raises your score. Now dnb will take you up higher in the 80 to 100 bracket they have if you pay eairly on every account atleast 10 days. So it is important to have a lot of activity on your trade lines and to pay early. Experian for example: will reevaluate your trade lines every three months and lower your score if there is no activity on them. Experian has got bigger than dun bradstreet now and it is them you need to worry about also if not morew so because they will add all trade lines. My name is Bob and anyone that needs my help can contact me at 559 765 4440 or on one of my websites www.businesstradelines.info for a free business consultation

Source(s)

www.dnb.com www.trade-lines.com www.trade-lines.info www.businessloanonline.us www.businesscreditfilesasap.com www.tradelines.com www.businesstradelines.info http:www.incorporate-online.info www.shop.trade-lines.info www.inc-file.info call dnb they will tell you the same thing

by jennifer f

5 months ago

Asker's Rating: 

Business accounts to not report to the credit bureaus. The three major credit bureaus are for consumer credit. There are no business credit bureaus. You can have your company listed in D&B. You have to fill out a lot of forms and supply detailed financials. However, most businesses do credit inquiries by actually calling the bank and trade references.

by bdancer222- 5 months ago