Which Net 30 Accounts Report to Credit Bureaus?

Six Net 30 accounts currently report your payments to business credit bureaus.

• Grainger - reports to D&B Paydex and Experian Business; updates monthly after each invoice.
• Uline - reports to D&B Paydex only; Experian receives data indirectly via trade‑line aggregators.
• Quill - reports to Experian Business; does not feed D&B Paydex.
• Summa - reports to both D&B Paydex and Experian Business; includes payment history in credit file.
• SupplyWorks - reports to D&B Paydex; Experian receives summary data through a third‑party service.
• HD Supply - reports to Experian Business; skips D&B Paydex but provides detailed payment activity.

These five Net 30 accounts skip all credit bureaus, so none of your on‑time payments will ever appear on a D&B Paydex, Experian Business, or any other report.

• Uline - corporate vendor that never reports payments to any bureau.
• Home Depot Business - offers Net 30 terms but does not forward payment data to credit agencies.
• Costco Business - provides Net 30 financing while intentionally keeping payment history off the bureaus.
• Sam's Club Business - maintains Net 30 accounts that do not report to D&B, Experian, or any other credit source.
• Staples Business - runs a Net 30 program that deliberately skips all credit‑bureau reporting.

Grainger sends every on‑time Net 30 payment to Dun & Bradstreet, so your Paydex score rises as soon as the 30‑day window closes. Late or missed payments are also reported, which can hurt the score.

Because Grainger reports exclusively to D&B, it won't affect Experian Business or other bureaus - use it when you need a strong Paydex foundation before adding reporters that feed Experian. Grainger's credit‑building portal explains the process.

Quill does not feed any Net 30 account payments to Experian Business.

• Quill does not report payment activity to Experian Business, Equifax Business, TransUnion Business, or D&B Paydex.
• No reporting trigger exists; on‑time or late payments never leave Quill's internal system.
• Because no data is sent, there is no monthly or quarterly submission schedule.
• Payments to Quill therefore have no direct impact on an Experian Business score or any other business credit rating.
• Credit‑building strategies should prioritize suppliers that explicitly state they report to a specific bureau.

Unlike Quill's silence, the next section reveals how Uline deliberately hides Net 30 history from all bureaus.

Uline does not report any Net 30 accounts to the major business bureaus, so the payments you make never appear on your D&B Paydex, Experian Business, or Equifax Business file. The company keeps an internal ledger, but that data stays hidden from credit‑score calculations.

Because Uline skips all bureaus, you won't see a line for it when you run the verification steps covered in the next section, unlike Grainger's D&B Paydex boost or Quill's Experian feed. Use Uline for supply needs, but don't count on it to build credit history.

Verify Net 30 Reports Fast

Net 30 accounts that actually push payments show up on D&B Paydex, Experian Business, and often Equifax Business within days of the first on‑time invoice.

1. Log into the supplier's portal; locate the 'Credit Report' or 'Payment History' section. Most reporters (Grainger, Quill, Summa) display a checkbox confirming they 'report payments to D&B Paydex and Experian Business.'
2. Download the PDF of the latest report. The document usually bears the bureau's logo and a timestamp - proof the data entered the credit system.
3. Run a free business‑credit check on thecreditpeople.com. Enter the company's EIN; the site pulls the most recent D&B Paydex score and any Experian Business entries, letting you confirm the Net 30 activity instantly.
4. If the portal lacks a report, call the vendor's credit department. Ask for the 'date of last reported payment' and the 'bureau name.' A quick email confirmation satisfies auditors and saves endless back‑and‑forth.
5. Verify the entry on the bureau's own site (for example, D&B's 'Paydex Lookup'). A matching date and amount seals the deal.

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• Quill - actively reports Net 30 payments to Experian Business while skipping D&B Paydex. Reddit users confirm Quill reporting
• Grainger - sends Net 30 payment data to D&B Paydex and does not push information to Experian Business. Reddit discussion on Grainger
• Crown Office Supplies - reports Net 30 activity to Experian Business and omits D&B Paydex. Reddit verification of Crown Office
• HD Supply - records Net 30 payments with D&B Paydex, leaving Experian Business out of the loop. Reddit thread on HD Supply

New businesses have only a handful of Net 30 accounts that actually send payment data to a credit bureau, and they each focus on a single bureau.

• Grainger - reports payments to D&B Paydex only, skips Experian and Equifax.
• Quill - reports payments to Experian Business only, skips D&B and Equifax.
• Crown Office Supplies - reports payments to Experian Business, does not feed D&B or Equifax.
• Strategic Purchasing - reports payments to D&B Paydex, does not send data to Experian or Equifax.
• SupplyWorks - reports payments to D&B Paydex, leaves Experian and Equifax out.

When a Net 30 account fails to report, verify the vendor's policy, request manual submission, and consider a third‑party reporter if necessary.

1. Confirm the account's reporting status
   Log into the vendor portal and locate the 'Reporting' or 'Credit' section. Compare the listed bureaus (e.g., D&B Paydex, Experian Business) with the information presented in earlier sections. Discrepancies indicate a missed report.
2. Contact the vendor's credit department
   Email or call the designated credit liaison. Reference the specific invoice and request that the payment be posted to the appropriate bureaus. Keep the tone firm; most vendors will comply after a documented prompt.
3. Supply complete business details
   Ensure the EIN, legal name, and address match exactly what the bureaus have on file. Minor mismatches often cause silent rejections, so double‑check every field before resubmission.
4. Escalate with a written follow‑up
   If the vendor stalls, send a certified letter summarizing the issue and demanding reporting within 10 business days. Attach proof of payment and the initial request.
5. Enlist a third‑party reporting service
   When the vendor refuses or lacks a reporting mechanism, use a reputable service such as The Credit People reporting service to input the payment data directly to D&B Paydex and Experian Business.
6. Monitor the bureaus for updates
   Check the credit profiles after 30 days. If the payment still does not appear, file a dispute with the relevant bureau, citing the vendor's confirmation and the third‑party submission receipt.
7. Document every interaction
   Save emails, call logs, and letters in a dedicated folder. Consistent records simplify future disputes and prove compliance during audits.

Standard Net 30 accounts that push payments to D&B Paydex, Experian Business, and Equifax Business simply don't exist.

Most vendors limit reporting to a single bureau or none at all. The few that let you chase multiple bureaus require a paid credit‑building add‑on; the core Net 30 purchase never triggers a three‑bureau feed.

• Crown Office Supplies - optional credit‑builder program: enroll and the system sends payment data to D&B Paydex and Experian Business; Equifax remains untouched.
• Strategic Business Solutions - premium credit‑building service: activates reporting to Experian Business and Equifax Business; D&B receives no feed.
• Grainger - Business Credit Services add‑on: provides D&B Paydex reporting only when you purchase the separate service; standard Net 30 activity never reaches any bureau.

If a vendor's plain‑vanilla Net 30 line claims multi‑bureau reporting, treat it as misinformation; the only reliable path is through these optional programs, which still fall short of covering all three major bureaus.

Next, the 'verify Net 30 reports fast' section shows how to confirm whether any of these optional services actually posted your payment.