In the world of consumer credit, as long as an account with a creditor is open, they will generally report activity each month the account is open, even when there have been no new transactions and balance is zero. The older the account is, the better, as long as it remains open.

Business credit works somewhat differently. Creditors can (and often do) report the month and year of their last transaction with your company, and the greater the gap between that date and now, the less impactful that tradeline is likely to be when your company is being evaluated for new credit.

That's where our program comes in. To help you obtain the most from your membership with us, we report your monthly membership payments as current activity. Also, we report the cumulative total of your transactions with us, since this can also have an impact on how the tradeline is evaluated by prospective creditors.

The purpose of extending a line of credit to you is first to help you plan, grow, and manage your business credit needs as you grow your business, as well add to, or establish, some credit history for your business. Depending on the plan you choose, we include free consulting hours each month, but if your plan doesn't include free time, or if you need more time than your plan includes, we will invoice you for the time you do use. So, if you choose a plan with NET-60 terms, your invoices for our services will be on a NET-60 basis. The same is true for plans with NET-30 and NET-90 terms. But this is a REAL tradeline with us, because we do allow you to purchase support time with it, and we report that activity each month.