30 short lessons
What to set up, in what order, and why lenders care. Each lesson ends with a checklist.
Business credit · built on your EIN
Build business credit in the right order.
Seven stages, from a business lenders can verify to revolving credit — plus a directory of 80 vendors, fuel cards and lenders we checked in October 2026. Each entry shows what's required now, who issues it, and the official place to apply.
Then $29/month from day 4. Cancel in the first 3 days and the monthly charge never starts.
The roadmap7 stages
- 01Make your business verifiable
- 02Get on file with D&B, Experian and Equifax
- 03Open starter net-30 accounts
- 04Monitor your business reports
- 05Add store and fuel accounts
- 06Build depth and higher limits
- 07Apply for revolving and bank credit
What's inside
The research, already done.
Building business credit isn't hard. Finding out what to do next — and which accounts still exist — takes weeks. That's the part we did.
80 accounts, checked
Net-30 vendors, store and fuel cards, business cards and lenders — filter by stage, personal guarantee and bureau.
Pick up where you left off
Tick off steps and track which accounts you've applied for. Your progress follows you to any device.
A real directory entry
Every account reads like a line on a credit report.
Terms, personal-guarantee expectations, what's known about bureau reporting, what to have ready, and a plain note on anything that changed. When a vendor doesn't publish where it reports, we say so.
Entries marked Changed moved issuers or rules recently. Call first means confirm terms before you order.
Stage 3 · Net-30 vendorCurrent
Uline Net 30 Account
- Terms
- Net 30
- Personal guarantee
- Not stated
- Reports to
- D&B · Experian (third-party sources)
- "Invoice Me" at checkout
- D&B profile
- Active, operating business
- Maybe a few prepaid orders first
Choose "Invoice Me" at checkout to start a credit review; newer businesses may need a few prepaid orders first. Uline doesn't publish its bureau list, so check D&B and Experian about 60 days after your first paid invoice.
Checked Oct 2026
Membership
Two ways in.
Same roadmap and directory either way. Pay as you go, or once.
Build as you go
$199 to start
then $29/month, starting on day 4
- The full 7-stage roadmap and 80-account directory
- Progress saved to your account
- 3 days to decide: cancel before day 4 and the $29/month never starts
- Cancel online any time after that — no calls, no forms
- The $199 setup fee is non-refundable
Pay once
$4,999 one time
No monthly charges, ever
- Everything in Monthly, for as long as we run the service
- Every future update to the roadmap and directory
- 3-day money-back guarantee: cancel within 3 days for a full refund
- After day 3 the purchase is final; the refund applies once per email
Your first three days
Exactly what happens, and when.
No surprises on your statement. You'll get the same dates by email the moment you join.
- Day 1 — you joinMonthly: $199 setup fee is charged (non-refundable). Lifetime: $4,999 is charged. You get instant access.
- Days 1–3 — look aroundWork through Stage 1 and browse the directory. If it's not for you, log in and cancel from your Account page before 11:59 PM Eastern on day 3.
- Day 4 — billing startsMonthly: your first $29 is charged, then the same day each month. Lifetime: no further charges, and the purchase is final.
- Any time afterCancel online in two taps. You keep access until the end of the month you've paid for.
Straight answers
Before you join
Is this credit repair?
No. We don't dispute items, contact bureaus for you, or work on your personal credit. This is a self-guided program for building your business's credit file, with the research done for you.
Do I need an LLC or corporation?
Most business credit assumes a registered entity with its own EIN. Stage 1 walks you through what's needed. Sole proprietors can follow along, but some accounts will require an entity.
Will I have to give my Social Security number?
Some issuers ask for an owner's SSN or a personal guarantee, especially for newer businesses. Every directory entry tells you what's known, so you can choose accounts that fit how you want to build.
Do you guarantee approvals or credit limits?
No. Each vendor and lender makes its own decision. We show you what they ask for and the order that gives you the best chance; we can't promise any particular approval, limit or score.
Are you affiliated with Dun & Bradstreet, Experian, Equifax or the vendors?
No. Solutions Guru is independent. We aren't paid by the vendors in the directory, and links go to each company's own site.
How current is the directory?
Every entry was checked in October 2026. Programs change often — issuers merge, cards close, terms shift — so each entry carries its check date, and members get updates as we re-check.
How do I cancel?
Log in, open Account, and press Cancel. It takes effect immediately and you'll get an email confirming it. No phone call needed.
Ready to start Stage 1?
It's the part most businesses skip — and the reason so many applications get declined.
Questions first?
Call 1-833-34-SMART (347-6278)
Email solutionsgurucredit@gmail.com
Solutions Guru LLC · 33309 Seven Mile Rd, Livonia, MI 48152