The most repeated lie in the business-credit world is "this vendor reports to all three bureaus." Sometimes it is true. Often it is out of date, only partly true, or true only if you pay late. Reporting changes without notice, programs open and close, and the people telling you otherwise usually have an affiliate link riding on your click.
So we keep this. A plain, dated record of which vendors actually report, to which bureau, and how reliably, graded honestly. We take no affiliate money and name none of these as a recommendation. Every line carries a confidence label and a date, and the strongest label, Confirmed, is reserved for what we have watched happen on our own file with a receipt. Until then a line says exactly how sure we are, and no more.
Confirmed means we saw it report on our own file, dated, with a receipt. Reported means it is credibly known to behave this way but we have not yet confirmed it first-hand. Weak / conditional means it reports unreliably, or only under certain conditions. Changed / closed means the program has shut down or materially changed. Unverified means we have heard it but have not stood behind it. As of this writing, first-hand confirmations are still being gathered, so most lines below are Reported, and we say so plainly.
| Vendor | Type | Reports to (as last observed) | Confidence |
|---|---|---|---|
| Grainger Industrial and facility supplies |
Net-30 supplier | Dun & Bradstreet and Experian Business, as last observed. A real supplier a real business actually buys from, which is the point. Not observed reporting to Equifax Business. |
Reported |
| Quill Office and shipping supplies |
Net-30 supplier | Dun & Bradstreet, as last observed. Commonly used as an early, small net-30 line. Terms and approval can vary by account history. |
Reported |
| Crown Office Supplies Office supplies, membership program |
Net-30 (membership fee) | Reported to all three business bureaus, as last observed. Note the annual membership cost, and weigh it against the value of the line. A fee-based program, so treat the reporting claim as Reported until confirmed first-hand. |
Reported |
| Uline Shipping and industrial supplies |
Net-30 supplier | Weak. In our checks it has reported unreliably, and some accounts see reporting only when a payment is late, which is the opposite of what you want. Useful as a real supplier, but do not count on it for file-building. |
Weak |
| Summa Office Supplies / SNS Office supplies net-30 program |
Net-30 program | The net-30 program closed as of January 2026, per our last check. Listed here specifically so an old guru list does not send you to a dead door. | Closed |
| Mercury IO Fintech charge card |
Card (no personal guarantee, cash-backed) | Equifax Business and Dun & Bradstreet, as last observed. Experian reporting is unconfirmed, so we treat it as unverified rather than claim it. Requires holding a real cash balance, which is why it can skip the personal guarantee. The "limit" figure quoted at signup is a credit limit, not a daily spending cap. |
Reported |
| Ramp Fintech corporate card |
Card (no personal guarantee, cash-backed) | Reported across the business bureaus, as last observed, and often cited as covering the Experian gap. Requires a meaningful cash balance to qualify. A no-personal-guarantee card is available because it is backed by cash, not by a promise. That is the honest version of "no PG." |
Unverified |
It is not a referral list, and no line here is a recommendation to open anything. It is not investment, financial, or tax advice. It is not a promise that any vendor will report for you, since approval, terms, and reporting all vary by account and change without notice. It is a dated snapshot of what we observed, labeled by how sure we are, kept honest so that when you go to build your own file you are not working from a two-year-old guru screenshot. The method for building the file the honest way is in The Credit File, In Public, and the full doctrine, including the scams that prey on new founders, is in Other People's Money, Honestly.