What We Can't Promise You

Every competitor we have has a page listing what they will do for you. This is the other page. It exists because in this category the distance between what gets claimed and what gets delivered is the entire problem.

We control what we submit.
The bureau controls what posts to your file, and every score derived from it.

Everything on this page follows from that one division. Any vendor promising you something on the second side of it is selling you something they do not own.

Why we wrote this down

In September 2025, Dun & Bradstreet — not a fly-by-night operator, one of the oldest names in commercial credit — was fined $5.7 million over how it marketed business credit building. The case was not about a product that did nothing. It was about the gap between what customers were led to expect and what actually arrived.

That gap is the standard business model in this category. Fees are charged for outcomes nobody controls, timelines are quoted for processes that belong to a third party, and score targets are promised by companies that have no ability to set them. It works because the customer usually cannot tell the difference between a vendor describing its own process and a vendor describing your result.

We are a supply company. We sell office and business supplies on net-30 terms and we furnish the resulting payment history to two bureaus. That is a narrow and fairly boring thing to be, and the fastest way to explain it is to be specific about its edges.

Things we will never tell you

Not in an email, not on a sales call, not in a testimonial we republish, and not in the small print. If you ever see any of the following attached to our name, it is either a mistake we need to fix or somebody impersonating us — and we want to hear about it either way.

  • A score, or a number of points. We will never tell you an account with us produces a particular Intelliscore, a particular PAYDEX, or an improvement of any size.
  • A timeline to a score. Not "30 days to a tradeline," not "90 days to fundable." We will tell you our submission cadence, because that is ours. What the bureau does with it, and when, is not.
  • A dollar amount of funding. No figure, no range, no "clients typically access." We are not a lender, a broker, or a funding consultant, and we do not take a percentage of anything you are approved for.
  • Guaranteed approval. Ours or anyone's. We decline applications.
  • "Risk-free," "no experience needed," "limited spots." Urgency language for a product that has no scarcity is a tell, and we would rather not have that tell.
  • "No personal guarantee" as a blanket claim. Terms vary by account and by circumstance. A vendor stating this universally is describing a policy it cannot hold to.
  • "Build business credit without your personal credit." The score that most often decides a small business loan — FICO SBSS, used in SBA 7(a) screening — blends business and personal data. A vendor tradeline does not change that, and saying otherwise sells a false separation.
  • Testimonials implying typical results. A disclaimer under a customer saying they got funded does not cure the impression the testimonial creates. So we do not run them.

What we do say, and will stand behind

Everything below is a description of our own process. It is checkable, and if any of it stops being true we are obliged to change this page rather than the other way round.

  • We furnish payment history to Experian Business. Those two. Named.
  • New accounts are submitted weekly. Existing accounts are included in a monthly file thereafter. That is our cadence, and it is the thing we actually control.
  • There is no minimum purchase or activity requirement for reporting. You do not have to hit a spend floor to be furnished.
  • Membership is $49 a year. If we do not approve your application, it is refunded in full. If we do, it is credited back to your account once your orders total $250 for the membership year — the merchandise total across paid invoices, not counting shipping or tax. That credit is account credit toward supplies, not cash. If you never reach $250, you have paid $49 for the year. It renews automatically each year at the then-current annual fee unless you cancel before the renewal date.
  • The tradeline is identical for every member. There is no tier that reports faster, larger, to more bureaus, or at all where another tier does not. We will explain below why this is not a marketing choice.
  • Net-30 terms are subject to credit approval, and approval is subject to business verification.

The specific limits of an account with us

We do not report to Dun & Bradstreet, so we do not build a PAYDEX score.

PAYDEX is a D&B product and only D&B-furnished tradelines contribute to it. If a PAYDEX score is your objective — for supplier terms or government contracting — an account with us does not advance it. Uline reports to D&B, charges nothing, and has no minimum order. That is a better purchase for that goal than ours, and we would rather you knew now.

We do not report to Equifax Business.

If a bank has told you it pulls Equifax, we are not the vendor for that. HD Supply reports there, for free, with a $50 per-order minimum. We are working toward Equifax commercial furnishing — there is a 500-record minimum to clear before we can — and we will say so here when it happens, not before.

You cannot readily pull your own Cortera file.

Moody's acquired Cortera in 2021 and the data now feeds enterprise risk products. Real underwriters use it. But you will not be able to log in and watch your Cortera tradeline appear the way you can with Experian, and any vendor listing Cortera without that caveat is letting you assume something convenient.

We cannot report to SBFE, and neither can any other supply vendor.

SBFE membership explicitly excludes trade credit providers. When you see a net-30 office supplier claim direct SBFE reporting, that claim needs a mechanism attached to it. We flag it in our directory wherever it appears, including on vendors we compete with, and we are not making the claim ourselves.

There is a lag between submission and posting, and we do not set it.

We can tell you the date we submitted your account. We cannot tell you the date it will appear on your file, because that is the bureau's processing, not ours. Anyone quoting you a posting date is quoting a guess.

We cannot promise a state registry will keep answering us.

The fundability report reads public records from Secretary of State systems. Those systems belong to the states, not to us. Some are fast and dependable; others are slow, and some stop responding to automated requests without notice or explanation — in August 2026 we measured six states returning answers our checks could not read at all. So we will not quote you a re-check schedule we do not control. What we will do is keep looking, tell you plainly when a check could not be run, and record it as unknown rather than as a clean result. A registry we cannot reach is never reported as a registry with nothing in it.

We can decline your application, and we sometimes do.

Approval depends on business verification and on our own credit judgement. If we decline you, you are entitled to know why — ask us and we will tell you. Our credit policy sets out how limits are set and reviewed.

Why we will never sell you better reporting

The tradeline is the same for every member. It is not a pricing decision.

Bureau furnisher agreements are explicit on this point. Equifax and Creditsafe both state that furnishers reporting tradelines on themselves are not accepted, and that furnishers reporting "pay for tradelines" are not accepted. Those are the terms under which a company is permitted to furnish data at all.

So there is a hard line in how this business can be built. We can charge for supplies. We can charge a membership fee. If we ever build something premium, it can only be priced on diagnostics, analysis, and tools — never on reporting quality, reporting speed, or reporting volume. The moment what gets furnished varies by what you paid, the product is a pay-for-tradeline product, and furnisher status goes.

This matters to you rather than just to us: a vendor that will sell you a bigger or faster tradeline for more money is a vendor whose ability to report at all is conditional on nobody noticing. That is not a supplier relationship worth having.

We do not touch your personal credit

We do not pull it, we do not ask about it, we do not advise on it, and we will not steer you toward a personal-guarantee card. If you write to us with a question about your personal credit file, we will tell you politely that it is outside what we do.

Partly this is scope: we sell supplies on trade terms to businesses, and an EIN-only trade account has no business inspecting an owner's consumer file. Partly it is a legal boundary worth being honest about — the Credit Repair Organizations Act covers individuals and consumer-purpose credit, and it attaches the moment a company starts touching an owner's personal credit. We would rather stay clearly on one side of that line than get comfortable near it.

One consequence, stated plainly: because FICO SBSS blends business and personal data, there are funding outcomes that an account with us cannot influence, and we are not in a position to help you with that half. That is a real limitation of what we sell.

Things we will not sell you at any price

  • An aged or shelf corporation. Not our own, not an affiliate's, not a recommendation to a third party. We have written separately about why.
  • A percentage of funding you obtain. Taking a cut of funding makes a company a commercial loan broker, with licensing obligations in several states. We are a supplier and intend to stay one.
  • A better SIC or NAICS code. The "high-risk code auto-decline" story traces to a document scoped to bank anti-money-laundering compliance, not to credit underwriting, and which states on its face that it is not an officially sanctioned list. A mismatch between your assigned code and what you actually do is worth fixing. Buying a code because it sounds safer is not a product, it is a superstition with a price tag.
  • Reviews we paid for, or the removal of ones we did not like. Incentivising positive reviews and suppressing negative ones are both prohibited practices, and both are common enough in this category to be worth naming.

What to do with this page

Use it on us, and use it on everyone else. If a business credit vendor — including a person claiming to represent us — says any of the following, you have learned something useful:

Walk away when you hear:

  • "You'll have a PAYDEX of 80 in 90 days."
  • "Our clients typically access $50,000 in funding."
  • "Guaranteed approval — no credit check, no personal guarantee."
  • "Pay for the premium tier and we'll report it faster."
  • "We report to 20+ bureaus." (Ask which. A vendor that will not name them is describing nothing.)
  • "Buy this aged corporation and skip the two-year seasoning requirement."
  • "This offer closes tonight."

If anything on our site, in our email, or from anyone speaking for us contradicts this page, write to info@peakdiscounters.com and quote it back to us. A page like this is only worth anything if it is enforceable by the people reading it.

If that is the kind of vendor you want

$49 a year — refunded in full if we don't approve you, and credited back once your orders total $250, and renewing automatically each year unless you cancel. Payment history furnished to Experian Business, weekly for new accounts and monthly thereafter. No minimum purchase or activity requirement for reporting. Net-30 terms subject to credit approval.

Apply for a Net-30 Account

Or start with the vendor directory — including the vendors that do the things we cannot.