Top 7 Vendors That Report to Dun & Bradstreet in 2025
- Jason Feimster
- Jul 1
- 3 min read
Credit scores are a lie—unless you know how to game them.
Vendor trade lines are still the fastest, most repeatable way to smash an 80+ PAYDEX score in 2025. With lenders tightening and AI sniffing out fluff, founders and gigpreneurs can’t rely on luck—they need leverage. And that leverage is built from the ground up with vendors who actually report to Dun & Bradstreet.
Why it matters: If you're chasing business credit with no PG (personal guarantee), or aiming to scale a fleet of LLCs, this list is your first move.
What Counts as a D&B Trade Line in 2025?
Net-30 / Net-60 Terms: Pay within 30–60 days of invoice. The gold standard.
Revolving Credit Accounts: Ongoing lines you can reuse (if used smartly).
Data-Reporting APIs: New in 2025—vendors use APIs to report trade data directly to bureaus within 72 hours.
Not all vendors are created equal—some take your money and ghost D&B. We handpicked the ones who report, reliably.
How We Selected the Top 7 Vendors
Reports Monthly to D&B (minimum)
Low Barrier to Entry: No PG, no crazy credit pulls
Soft Inquiry or No Pull at All
Real Business Utility: You can actually use what they sell
The Magnificent Seven
1. Kovo Credit
Sign up | Minimum Spend: $10/month | Reports: Monthly to D&B + Equifax Kovo offers bite-sized, installment-based purchases on credit builder accounts. Think Credit Karma, but it works.
2. Fair Figure
Sign up | Minimum Spend: $25/month | Reports: Monthly Modern UX meets hard reporting. Plug in your EIN, onboard in minutes, and start getting D&B love without jumping hoops.
3. Fund&Grow
Sign up | Minimum Spend: N/A (Service-based) | Reports: Yes (via banks + tradelines) High-tier vendor helping scale credit limits via soft-pull stacking. Works best paired with vendors for hybrid strategy.
4. 7 Figures Funding
Sign up | Minimum: Free consult | Reports: Varies Business funding on demand. Not a direct vendor, but their partners report—you’ll get matched to Net 30 vendors with active D&B data pipelines.
5. Nav Business Boost
Sign up | Minimum Spend: $49.99/month | Reports: D&B + Experian + Equifax Nav lets you monitor scores AND builds credit as a tradeline. Dual benefit makes it a no-brainer.
6. Creative Analytics
Find on Net 30 List | Minimum Spend: ~$50 | Reports: D&B, monthly Marketing tools & digital services with one purpose—get your business credit rolling.
7. Office Garner
Find on Net 30 List | Minimum Spend: ~$75 | Reports: D&B in 30–45 days Old school but still kicking. Office supply vendor that still hits the bureau. One of the OGs.
Stacking Strategy: From Zero to PAYDEX 80 in 90 Days
Week | Action |
0 | Register EIN, DUNS, get virtual address |
1 | Apply for Kovo, Nav, Fair Figure |
2-4 | Order from Office Garner + Creative Analytics |
5-8 | Begin repayments, monitor Nav |
9-12 | Add Fund&Grow, review via Nav Scoreboard |
Launch Credit Builder GPT & Map Your Vendor Roadmap → Launch Now
Common Pitfalls & Myths
Miss a Net 30 Payment? Your PAYDEX drops faster than crypto in a bear market.
Inactive Accounts = Dead Weight. Vendors must stay active to stay reporting.
Using Your Personal Credit Card? That’s not business credit. That’s lazy.
Thinking Quill Still Reports? It doesn’t—D&B left them on read in 2024.
FAQ about Vendors that Report to D&B
Q1: Does Quill still report to D&B in 2025?
A: No. Quill stopped reporting in late 2024. Time to move on.
Q2: How fast does D&B update after vendor reporting?
A: Typically within 30–60 days, faster with API-based vendors.
Q3: Can I get an 80 PAYDEX score with only 3 vendors?
A: Technically yes, but you’re safer stacking 5+.
Q4: Are these vendor accounts PG-free?
A: Yes—all listed are no PG or soft-pull only.
Q5: What if I miss a payment?
A: Your PAYDEX will tank. Set auto-pay reminders. No excuses.
Q6: Is this strategy useful for gig workers and digital nomads?
A: Absolutely. It’s your business’s first credit spine.
Final Remarks
Freedom isn’t just financial—it’s a dance between disciplined credit and creative risk. Play the game right, and you stop chasing capital. Capital chases you.
Download the Vendor Tracking Sheet (CSV + Notion template) to monitor every tradeline, reporting date, and renewal reminder.
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