All steps

Step 4

Open Tier-2 vendor accounts

Larger lines, fleet cards, and retail credit.

Why this matters

With 3+ Tier-1 accounts reporting, you're eligible for Tier-2 — $1k–$5k limits on fleet cards, store cards, and bigger net-30 vendors. These build your D&B Paydex score toward 80+.

Do this

  • Apply to 3 Tier-2 vendors after Step 3 is reporting for 60 days.
  • Use each card monthly; pay in full each month.
  • Watch your D&B Paydex score climb.

Recommended vendors

GR

Grainger

Tier-2 industrial

Industrial supplies; higher limits after Tier-1 history.

Visit vendor
AM

Amazon Business

Tier-2 marketplace

Pay-by-invoice option after 60 days of Tier-1 reporting.

Visit vendor

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