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.
Tap an item to check it off. Missing one? Tap Fix this for the fastest way to close the gap.
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+.