... / 90 Day Blueprint... / Build Positive History: 90-Day Tradelines & Credit-Builder Tools

Vendor accounts are the business-credit version of training wheels: easy approvals, modest limits, and monthly reporting to Dun & Bradstreet, Experian Business, and Equifax Commercial.

• Typical terms are Net-30—buy now, pay in 30 days.
• No personal guarantee or hard pull; approval is often instant.
• Three active vendor lines paid early can push a PAYDEX into the 70 s within two cycles.

Easy starters

• Uline (shipping supplies)
• Grainger (industrial supplies)
• Quill (office supplies)
• Summa Office Supplies (digital downloads count as invoices)

Action steps

1. Apply for two vendor accounts today and one next week.
2. Make a modest $50–$100 purchase; pay 15 days early.
3. Set calendar alerts so no invoice ever reaches the due date.

A secured card builds revolving credit history under your EIN with minimal bank risk.

• Deposit = credit limit (usually $500–$5,000).
• Reports monthly to at least one business bureau; some also hit consumer bureaus.
• After 12 on-time payments many issuers graduate you to unsecured status and return the deposit.

Popular options (Any secured card will do)

• Wells Fargo Business Secured
• Truist Enjoy Cash Secured Credit Card
• First National Bank Platinum Edition ® Secured

Action steps

1. Pick one card that reports to all three business bureaus.
2. Keep utilization under 10 %.
3. Request graduation after month 12.

Credit-builder or share-secured loans add an installment line to boost your “credit mix” factor.

• Offered by many credit unions for $300–$2,500; funds unlock after final payment.
• Reports to consumer bureaus and sometimes business bureaus (if opened under the EIN).
• Installment history rounds out roughly 10 % of FICO.

Action steps

1. Open a $600–$1,000 credit-builder loan at a local credit union.
2. Enable auto-pay from your business checking.
3. After six months you’ll have both revolving and installment accounts in good standing.

Experian Boost lets you add utility, streaming, and phone payments to your personal file.

• Free opt-in service; affects Experian only.
• Average gain: 13 points (Experian data, 2025).
• Best for thin or mid-tier files; high-700s may see no change.

Action steps

1. Connect your bank account to Experian Boost.
2. Select 12–24 months of positive payments.
3. Re-run your Experian score and the gains appear instantly.

• Use Nav or CreditSignal alerts to confirm each new tradeline reports.
• Screenshot bureau entries for lenders that request proof.
• Update your tracker sheet with new limits and due dates.

Positive data compounds. Open three Net-30 vendors, add a secured card, and layer in a credit-builder loan during Weeks 4-8. Pay every bill early, keep balances under 10 %, and let Experian Boost pad your thin personal file. By Day 90 you’ll have a verifiable track record that lowers personal guarantees, raises scores, and paves the way to real business credit lines.