A vendor-by-vendor list of which business credit bureaus each net-30 account reports to — with the date and method behind every line. We're a supplier on this list too, and we say so on our own row. No affiliate commissions, no paid placement, no sponsored rows.
A note on terminology used on this page: BCC Supplies does not lend money. A BCC Supplies membership is a commercial installment contract, reported to the business credit bureaus as a business installment tradeline — some pages also describe this as an "installment loan" in a descriptive sense, not a cash loan from a lender. See how this is structured →
This is a directory of 22 net-30 vendors — including BCC Supplies' own row — showing exactly which business credit bureau each one reports to, confirmed either by phone with the vendor's credit department or from the vendor's own published terms, with the date and method labeled on every row. No vendor paid for placement, and vendors that stopped accepting applications stay listed, marked as discontinued, instead of quietly disappearing.
Most net-30 vendor lists are affiliate pages. The ranking order follows the commission, the "reports to" column gets copied between articles without anyone calling the vendor, and dead vendors stay listed for years because nobody rechecks. We kept running into customers who had paid a fee to a vendor that reports to a bureau they did not need — or to one that had stopped taking applications altogether.
We are a supplier ourselves. We run a real installment tradeline and we furnish real payment history, which means we can check this the boring way: read the vendor's own published terms, call the credit department, and write down the date. Where we could not confirm something, the row says so instead of guessing.
BCC Supplies furnishes payment history to Experian Business on every plan, starting with Foundation ($19/mo). It runs on a fixed 48-month term at 0% APR, reporting a pre-set $912 high-credit line from day one — no purchase minimums to hit and no order history to accumulate before something posts. Every plan carries a 90-day Experian Business reporting guarantee: we guarantee the tradeline is submitted, confirmed received, and visible on an Experian report we pull ourselves, within 90 days — or you get a retroactive correction or a full refund of that window's fees.
Momentum ($39/mo) adds Dun & Bradstreet reporting on top of Experian, plus business credit consulting. VIP (custom-quoted) adds Equifax Business, covering all three major bureaus.
What we do not do: Foundation alone does not report to Dun & Bradstreet or Equifax Business — that requires Momentum or VIP. If your objective is a PAYDEX score specifically, Foundation's tradeline does not contribute to it on its own; Momentum does.
Why we think this is the stronger starting point than most of the table above: scan back through the "Verified" column. Most rows read "not independently confirmed" — the reporting claim comes from the vendor's own marketing page, which vendors change without notice. Several rows carry a real flag: a non-refundable fee regardless of approval, sources that disagree on the price, a vendor that will not name which bureaus it reports to, a discontinued vendor still marketed as live elsewhere. A guarantee we back with our own pulled report, on a fixed cost you know on day one, is a meaningfully different standard than a claim on a landing page — and it is one we are willing to be held to, in public, on this same page.
22 vendors shown
| Vendor | Annual fee | Reports to | Minimum order | Verified | Notes |
|---|---|---|---|---|---|
| BCC Supplies This is us |
$19/mo Foundation $912 total tradeline over 48 months, 0% APR |
Experian Business Momentum adds D&B; VIP adds Equifax too |
None — fixed monthly payment | Our own terms Stated by us — see the disclosure below |
90-day guarantee: submitted, confirmed received, and visible on an Experian report we pull ourselves, or a retroactive correction / full refund of that window's fees. See "Our Own Row" below for the full comparison. |
| Branded Apparel (Business T-Shirt Club) |
$69.99 | Equifax, Creditsafe, Ansonia, Cortera | $250 blank / $12 custom | Not independently confirmed Vendor's published terms |
One of the few vendors that names Cortera explicitly. |
| Creative Analytics | $79/yr or $49/mo Sources conflict |
Equifax, Creditsafe | $100 first month | Not independently confirmed Vendor's published terms; pricing differs between sources |
Reported credit line up to $1,000. Confirm which price applies before you sign up — the annual and monthly figures are not the same offer. |
| Crown Office Supplies | $99 — non-refundable | SBFE, Creditsafe SBFE claim unverified |
$30 | Not independently confirmed Vendor's published terms |
Reported limits up to $5,000; reporting said to run in the third week of the month. The fee is not refunded if you are declined or if you change your mind. See the SBFE note below the table. |
| eCredable | $49.95 setup + $9.95/mo | D&B, Experian, Equifax | — | Not independently confirmed Vendor's published terms |
Not a supplier. Converts bills you already pay — utilities, telecom — into reported tradelines. |
| FairFigure | ~$30/mo | Equifax Commercial, Creditsafe, SBFE | — | Not independently confirmed Vendor's published terms |
A monitoring and reporting service rather than a supply account. |
| Grainger | $0 | Undisclosed Declined to name which bureaus receive its data |
— | July 27–30, 2026 Phone, vendor credit department (Nav) |
Requires existing customer status and a DUNS number. Because the bureaus are undisclosed, treat any list that assigns Grainger specific bureaus as unsourced. |
| Growegy | $600/yr or $55/mo | Experian, Equifax | — | Not independently confirmed Vendor's published terms |
Among the most expensive entry points on this list. Compare the annual cost against what the same reporting costs elsewhere. |
| HD Supply | $0 | Equifax only Not D&B. Not Experian. |
$50 per order | July 21, 2026 Phone, vendor credit department (Nav) |
Contributes nothing to a PAYDEX score, since PAYDEX is a D&B product. Useful only if Equifax Business is what you are after. |
| JJ Gold International | Not disclosed | Equifax, plus unnamed others Vendor's own page is silent |
— | Not independently confirmed Third-party listings; the vendor's own net-30 page does not state its reporting |
The reporting claim circulating for this vendor does not appear on the vendor's own site. Ask before paying. |
| Monopolize Your Marketplace | $4.95 + 4 × $59.99 (~$240); reported up to ~$716 | “20+ bureaus” — names none | — | Not independently confirmed Vendor's published terms |
What you are buying is roughly eleven hours of marketing audio. A vendor that claims twenty-plus bureaus and will not name one is making an unverifiable claim. |
| NAMYNOT | $0 | D&B, Experian, Equifax | None | Not independently confirmed Vendor's published terms |
Reported limits up to $10,000. Also publishes the best competing directory to this one — we would rather say that than pretend otherwise. |
| Newegg Business | $0 | D&B, Equifax | None | Not independently confirmed Vendor's published terms |
Requires an EIN and a DUNS number; may ask for trade or bank references. |
| Office Garner | $69 | Equifax, Creditsafe, Ansonia, NACM, SBFE | $45 | Not independently confirmed Vendor's published terms |
Requires an EIN and roughly 30 days in business. See the SBFE note below the table. |
| Quill | $0 | D&B only — and it is opt-in Via the Trade Exchange Program; you must enroll |
$100 initial cart; invoices over $50 are reported | July 24, 2026 Phone, vendor credit department (Nav) |
The most commonly repeated error in this category. Most listicles show Quill as reporting to both D&B and Experian, and as reporting automatically. It is D&B only, and nothing is reported unless you enroll in the Trade Exchange Program. |
| Shirtsy | $99 — applied as trade credit | D&B, Experian, Equifax, Creditsafe | $97 | Not independently confirmed Vendor's published terms |
Requires roughly 30 days in business and 75% ownership by the applicant. |
| Staples Business Advantage | $0 | D&B | — | Not independently confirmed Vendor's published terms and third-party reports |
Widely reported to require 20+ employees. If that holds, it is not a starter vendor, and every list that files it under “easy approval for new businesses” is wrong. |
| Strategic Network Solutions | $0 fee — $90 minimum purchase to activate | Experian, Creditsafe | $90 | Not independently confirmed Vendor's published terms |
Reported credit line up to $2,000. “No fee” here means the cost is in the required first purchase, not that there is no cost. |
| Summa Office Supplies Discontinued |
~$75 | Equifax, D&B | — | Not accepting new applications Status confirmed 2026; kept on the list deliberately |
This vendor is not accepting new applications. It is still listed as live across dozens of ranking articles, which is the clearest illustration of why an undated vendor list is worth very little. We leave it here so you recognize it when you see it elsewhere. |
| The CEO Creative | $49 / $69.99 / $79 Sources conflict |
Equifax, Creditsafe, FairFigure Explicitly not D&B or Experian. |
$40–60 | Not independently confirmed Vendor's published terms; three different prices in circulation |
Widely misreported as reporting to D&B, Experian and Equifax. The vendor's own materials say otherwise. Confirm the current price directly. |
| Uline | $0 | D&B, Experian Not Equifax. |
None | July 27, 2026 Phone, vendor credit department (Nav) |
No fee and no minimum, which makes it a reasonable first D&B tradeline for most businesses. |
| Wise Business Plans | $99 | Experian, Equifax | $97–164 | Not independently confirmed Vendor's published terms |
— |
SBFE membership explicitly excludes trade credit providers. We cannot join it, and neither can a net-30 office supplier — so when a supply vendor lists SBFE among the bureaus it reports to directly, treat that claim as unverified until the vendor explains the mechanism. It is possible for data to reach SBFE indirectly through a member institution; it is not possible for a trade credit vendor to be an SBFE furnisher itself. We have flagged the rows above where this claim appears, including on vendors we compete with.
"Reports to a bureau" is only useful if it is a bureau someone actually pulls when you apply. Ranked by how often the score is the thing standing between an application and a decision:
If a vendor or a coach tells you any of the following, they are describing something outside their control:
In September 2025, Dun & Bradstreet was fined $5.7 million over how it marketed business credit building — a case about the distance between what was claimed and what was delivered. That is the whole risk in this category, and it applies to us as much as anyone. What we will say is what we do: we submit new accounts weekly and existing accounts monthly, to Experian Business. What happens to your file after that is the bureau's decision, not ours.
BCC Supplies reports to Experian Business on every plan, backed by a 90-day reporting guarantee confirmed on a report we pull ourselves — not just a claim on our own page.
See Foundation Pricing →Rows marked with a 2026 phone-verification date were confirmed by telephone with the vendor's own credit department, cited above as Nav's calls rather than our own. Rows marked “not independently confirmed” come from the vendor's published terms, which vendors change without notice. We are re-verifying this list on our own calls and will replace the method on each row as we do.
See our Press Founder Questions Editorial Standards for how we research, source, and correct the information on this page.
