Description
What you get for $60 a month
Two things.
A NET 30 business trade account, where your on time monthly payment is reported to Dun & Bradstreet, Experian Business and Equifax Business under your business name.
And a professionally designed website built for your business, up to five pages, included at no extra cost.
There is no setup fee and no application fee. You can cancel any time.
Your website is included, not upsold
You do not start from a blank page. We select an initial design based on your business and industry, then build it from the information you provide in a short intake.
Nothing goes live until you have seen it. You review the finished draft first.
If you already have a website that works for you, keep it. Your reporting is unaffected either way, and declining the website does not lower your price. The $60 is the price of the credit reporting, and it did not go up when the website was added.
What grows, and what you never get back
This is not a credit card, a loan, or a line of credit. You cannot spend it, draw against it, or withdraw it. None of it is money that comes back to you later.
What does grow is the trade account itself. The longer you pay on time, the larger the credit limit we report on your account becomes, so your business shows a bigger and longer trade line on its file as the months go by.
That is the whole idea. You are building a record, not a balance.
How it works
You are charged $60 at the start of each month. We report that payment as an on time business payment experience to the credit bureaus on the normal monthly reporting cycle.
Your website setup and your credit reporting are separate. Your payment is reported on schedule whether or not your website intake is finished.
How this helps your business credit
Business credit files are built from trade payments that somebody actually reports. A business with no trade accounts, and no trade payments being reported on its behalf, has nothing for a bureau to score. That is where nearly every new business starts, and it is why a business can be profitable and still look invisible to a lender.
Reporting an on time payment every month gives the bureaus something accurate to work with. A strong D&B PAYDEX score of 80 or above signals that a business pays on time and is a lower risk to extend terms to.
Which bureaus, and when
We furnish to Dun & Bradstreet, Experian Business and Equifax Business.
We report every month, on the first of the month, covering the month before. You get an email confirmation after each reported payment.
After we submit, each bureau processes on its own timetable, which commonly takes 30 days or longer.
What we do not promise
We will tell you this plainly rather than let you find out later.
Every credit reporting agency is independent and controls its own matching rules, acceptance criteria, file creation, display and scoring. We furnish accurate information. What each bureau does with it is the bureau’s decision, not ours.
We do not guarantee a tradeline, a PAYDEX score, an Intelliscore, a score increase, funding approval, a loan, a credit card, vendor approval, or purchasing power.
The most common reason a payment does not appear on a file is inconsistent business information. Your legal business name, address and identifiers should match across your filings and your other accounts.
Who can apply
Any legitimate business, applying for business purposes, with an authorized officer or representative submitting the application.
There is no revenue requirement and no minimum time in business. New businesses are welcome.
We do not require a personal guaranty and we do not pull a personal consumer credit report to decide your business application.
Some industries are not eligible for credit reporting through us. The application tells you before you fill anything out.
Apply first
Please apply for a NET 30 account before subscribing. The application takes about three minutes and costs nothing, and approved applicants get a link that fills their details in for them.
Billing, cancelling and refunds
You are billed $60 monthly, in advance, until you cancel. You can buy only one month at a time.
You can cancel yourself from your account page. Cancelling stops future charges and future reporting from that point. It does not reverse services already provided or remove accurate history already reported.
Your first payment comes with a 7 day refund. Ask us within 7 days of that first charge and we give all of it back and close the subscription.
After those 7 days, you can still cancel whenever you like. Cancelling stops every future charge from that point on. What it does not do is return a payment we have already taken, so cancelling in month four refunds nothing from months one to four.
A refunded month is not an eligible payment experience, so it is not furnished to the bureaus, and anything already submitted for it is corrected or withdrawn.
If you cancel, your website stays online through the end of the period you have already paid for. Your domain is registered in your name and remains yours either way.
Questions
Email [email protected] or call (855) 922-0490. Office hours are Monday to Friday, 9am to 5pm Central.
For the full picture of the program, see the NET 30 overview.
TTTN ENTERPRISE (verified owner)
I had not been able to generate a Paydex score for about 5-6 months of trying. Within 45 days of subscribing to your Business Bureau Reporter I now have an 80 Paydex score! Thanks for your honest and legitimate service!
Solvent Transportation LLC (verified owner)
I run a small transportation company, and before using this service, I want to be honest about where I was. We were operating, making money, and staying busy, but when it came to business credit, we were basically invisible. No Paydex score, limited approvals, and everything kept tying back to my personal credit, which is not where I wanted to stay long term.
I spent months trying to figure this out on my own. I applied to vendors, followed YouTube advice, read blogs, and still couldn’t get D&B to generate a Paydex score. It was frustrating because I knew the business was real, but on paper it didn’t look that way.
When I came across the Business Bureau Reporter, I was skeptical. I didn’t want gimmicks, fake tradelines, or anything that could hurt us later. What made me move forward was the transparency. They were very clear about what the service does and what it does not do. This is not a shortcut and it’s not free credit. But it’s business credit reporting.
After enrolling, the reporting started showing up consistently. Within a couple of reporting cycles, our business credit profile finally started to make sense. Not long after that, we generated an 80 Paydex score, something I could not get on my own no matter what I tried.
That score changed how we were viewed. We were able to move forward with financing for a newer work truck, and that alone made a huge difference. Having a newer truck with our company logo on it immediately boosted our credibility. Customers took us more seriously, vendors treated us differently, and we started getting more consistent work because we looked like an established operation, not just someone trying to get by.
What I appreciate most is that nothing about this felt shady. And the results followed naturally. It didn’t happen overnight, but it happened correctly. That matters when you’re trying to build something long term.
If you’re a transportation company trying to separate personal and business credit, this is a solid foundation. Just make sure you understand what you’re signing up for and don’t expect magic. If you do your part and stay consistent, this service does exactly what it says.
I would use it again and I’ve already recommended it to another operator I know who was stuck in the same position I was.
Bay Shore Food Inc. (verified owner)
I opened my restaurant and couldn’t get approved for anything because I had no business credit. This service helped me finally get something showing on my reports. Thanks Namynot!
Kute Kouture Beauty Bar LLC (verified owner)
I’ll be honest, this wasn’t what I originally thought NET 30 was. I didn’t fully understand the difference at first, and I was frustrated.
After rereading the disclosures and asking questions, I realized this is a reporting service, not a credit line. Once I adjusted my expectations, I saw the value. I do wish the explanation had clicked sooner, but the service itself does what it says.
Burns & Meyers Associates (verified owner)
As an attorney, I’m extremely cautious about any service tied to credit, reporting, or financial credibility. My firm does not take shortcuts, and we avoid anything that could raise compliance concerns or damage our reputation down the line. That’s why I took my time before enrolling in the Business Bureau Reporter.
Prior to using this service, our firm was operating normally, but our business credit profile was thin. We had strong financials and a legitimate operation, yet our business credit did not reflect that. Generating a Paydex score on our own proved more difficult than expected, even after following standard guidance.
What ultimately convinced me to move forward was the transparency. There were no exaggerated promises, no claims of instant approvals, and no attempt to disguise what the service actually does. It was clearly explained as a credit reporting service, not a NET 30 purchasing account, and that distinction matters, especially in a regulated profession like law.
The enrollment and verification process was more thorough than I anticipated, but in hindsight, that added to my confidence. The reporting began as described, payments were reflected accurately, and over time our business credit profile showed consistent activity. This allowed us to establish a foundation that we could build on responsibly.
I also appreciated that expectations were managed properly. This is not a one-click solution and it’s not designed to replace real financial discipline. It is a structured way to establish credibility with business credit bureaus when traditional methods are not producing results.
From a legal perspective, the service operates within clear boundaries and does not rely on misleading practices. For firms looking to strengthen their business credit profile without exposing themselves to unnecessary risk, this is a legitimate and well-structured option.
I would recommend this to other attorneys or professional service firms who value accuracy, disclosure, and long-term positioning over shortcuts. The service delivers what it claims, and in this space, that alone is worth acknowledging.
Exprezz Cleaning Services, LLC (verified owner)
The Business Bureau Reporter service has been a game changer for my operations. It provided a clear, professional way to document my business activity, which was instrumental in helping me build the solid business credit needed to secure funding for expansion. The process was straightforward and the impact on my growth has been tangible. Highly recommended for any owner looking to scale.