How do I build business credit for my LLC?

To build business credit, first establish your LLC with an EIN, business bank account, and business phone number listed with directory assistance. Then open trade accounts with vendors that report to business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business), pay all invoices early or on time, and apply for a business credit card after 3-6 months of positive trade history.

Business credit building timeline: Month 1-2: Get your DUNS number from Dun & Bradstreet (free), open net-30 vendor accounts (Uline, Grainger, Quill), and ensure your business is listed consistently across directories. Month 3-4: Open 2-3 more vendor accounts, pay all invoices within terms or early. Month 5-6: Apply for a business credit card (Capital One Spark, Chase Ink, or American Express Business). Month 6-12: Your Paydex score should reach 80+ (equivalent of excellent), enabling access to larger credit lines, business loans, and favorable vendor terms. Key principle: business credit is built on the LLC's EIN, completely separate from your personal credit score.