Form a Legitimate Business Entity
Register your business as an LLC or corporation. This legally separates you from your business — a critical first step. You'll also need to open a dedicated business bank account and get a business phone number and address.
Get Your EIN (Employer Identification Number)
Apply for an EIN at IRS.gov — it's free and takes minutes. Your EIN is your business's tax ID, essential for opening accounts and applying for credit.
Get a D-U-N-S Number from Dun & Bradstreet
Dun & Bradstreet is one of the main business credit bureaus. Register for a D-U-N-S number for free at dnb.com. Your PAYDEX score (D&B's business credit score) is crucial for accessing larger credit lines.
Open Net-30 Trade Accounts
Start with vendors that report to business credit bureaus and offer net-30 payment terms. Pay invoices early — before the 30-day mark — to build a strong PAYDEX score quickly.
Get a Business Credit Card
Apply for a business credit card tied to your EIN. Use it regularly for business expenses and pay it off in full each month. This builds a strong payment history across business credit bureaus (Equifax Business, Experian Business, D&B).
Monitor Your Business Credit Regularly
Check your profiles on D&B, Equifax Business, and Experian Business. Dispute any errors early. Strong business credit doesn't build overnight — consistency over 12–24 months is key.
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