When you're growing a business, cash flow is king — but credit is your secret weapon. And if you're using Net 30 accounts to build business credit, you're already on the right track.

But here’s the thing: building credit isn’t enough. To truly leverage it, you need to track and monitor it — just like you would your personal credit score.

Because what good is great business credit if:

  • You don’t know what’s being reported?

  • Errors are tanking your score behind the scenes?

  • Lenders can’t see your strongest trade lines?

This is where credit monitoring comes in. In this guide, we’ll show you exactly how to track and monitor business credit built through Net 30 vendors — and how to make that credit work for your growth.

First, a Quick Recap: What Are Net 30 Accounts?

A Net 30 account allows your business to purchase goods or services and pay the invoice within 30 days. It's a form of trade credit, and when vendors report your payment history to business credit bureaus, those on-time payments build your business credit profile.

Net 30 vendors are often the first and easiest way to establish credit as a small business — especially if you're just starting out or don’t qualify for traditional loans yet.

Why Monitoring Business Credit Matters

Imagine this: You’ve paid every Business credit with Net 30 on time for six months. You assume your business credit is rock solid. But when you go to apply for financing, you’re denied. Why?

  • Maybe the vendors never reported your payments.

  • Maybe there’s an error dragging down your score

  • Or maybe your file is incomplete, and lenders can’t see enough data.

Monitoring prevents all of that. It gives you visibility, control, and the opportunity to fix issues before they cost you money or opportunities.

Which Business Credit Bureaus Should You Track?

There are three main business credit bureaus you should be watching:

  1. Dun & Bradstreet (D&B)

    • Score: PAYDEX Score (0–100)

    • Ideal: 80+

    • You’ll need a D-U-N-S number (free to get) to build and track your profile.

  2. Experian Business

    • Score: Intelliscore Plus (0–100)

    • Factors in payment history, legal filings, credit utilization, and more.

  3. Equifax Business

    • Score: Business Credit Risk Score

    • Less commonly used by vendors but still important for banks and lenders.

How to Track & Monitor Your Business Credit

Let’s walk through it step by step.

1. Set Up Your Business Profile with Credit Bureaus

Before anything can be tracked, you need to be on the radar. Here’s how:

  • Dun & Bradstreet: Request a D-U-N-S number at DNB.com — it’s free for U.S. businesses.

  • Experian Business: You’re automatically added once you have vendor or lender activity, but you can search for your profile at Experian.com/small-business.

  • Equifax Business: Like Experian, they’ll create a file once data is reported, but you can contact them to request or review your report.

Tip: If your business doesn’t appear on any of these bureaus yet, focus on getting Net 30 accounts with vendors that actively report.

2. Use Credit Monitoring Tools

Several platforms can help you stay on top of your business credit:

  • Nav – A user-friendly dashboard that shows your credit data from D&B, Experian, and Equifax (free and paid plans).

  • CreditSignal by D&B – Free alerts when your D&B credit score changes.

  • Experian Business Credit Advantage – Full report access and real-time score updates.

  • Equifax Business Credit Monitor – Monitoring plus alerts about inquiries or negative marks.

These tools show:

  • Which vendors are reporting

  • Your current scores

  • Any red flags or errors

3. Check Which Net 30 Vendors Are Reporting

Not all vendors that offer Net 30 report to bureaus, and not all report to the same ones. Common vendors that report include:

  • Uline – Reports to D&B

  • Quill – Reports to D&B

  • Summa Office Supplies – Reports to Equifax and D&B

  • Crown Office Supplies – Reports to Experian and D&B

  • Grainger – Reports to D&B

Keep a list of which vendors report where. That way, you can build a well-rounded profile across all three bureaus.

4. Review Reports Regularly

Make it a habit to review your reports monthly. Look for:

  • Payment history accuracy

  • Any delinquent accounts (even mistakes)

  • Score changes

  • New vendor data

  • Inquiries or credit pulls

If you see anything wrong, dispute it immediately with the bureau in question. Inaccurate data can hurt your chances of securing credit, leases, or partnerships.

5. Add Trade References (If Needed)

Some bureaus, like D&B, allow you to manually add trade references — helpful if you work with smaller vendors who don’t report automatically.

Reach out to your suppliers and ask if they’re willing to confirm your payment history. Then submit those references to D&B to expand your credit profile.

Pro Tip: Use Net 30 Credit Strategically

Tracking your credit isn’t just about looking at numbers — it’s about using that data to:

  • Apply for better vendor terms

  • Qualify for business credit cards and loans

  • Negotiate higher credit limits

  • Attract investors or partners

In other words, your business credit is a tool for growth — and Net 30 vendors are the stepping stones.

Final Thoughts

Building credit with Net 30 vendors is one of the most powerful, low-risk ways to establish financial credibility for your business. But the real magic happens when you track it, monitor it, and use it to unlock bigger opportunities.

Don’t just set it and forget it. Watch your credit, protect your profile, and build a foundation that supports the future you’re aiming for.