Lenders score your business on 20+ specific items before they ever look at your tradelines. Work through this checklist, then climb the vendor ladder to build PAYDEX 80+.
Nav's free plan lets you monitor your scores, but it does not build credit. When you upgrade to Nav Prime, they report your membership as a tradeline to Dun & Bradstreet, Experian Business, and Equifax — just like a vendor would. This adds a positive account to your file and helps establish the payment history lenders look for. It's one of the fastest ways to get a tradeline reporting without ordering office supplies.
Open in order. Each tier unlocks the next once 3+ are reporting on-time for 60–90 days.
Open these first. No personal guarantee, easy approval, report to business bureaus.
Open after 3+ Tier-1 accounts are reporting on-time for 60–90 days.
Open after Tier 2 reports for 60+ days. Builds depth across categories.
Real revolving credit. Aim for these once PAYDEX 80+ AND personal FICO 680+.