All 50 states

Business credit by state

Pick your state. The credit path is federal or private-bureau territory, so it works the same everywhere — only the filing office differs. None of it requires paying anyone for an EIN or a DUNS number.

Your state

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

The sprint, in order

Pre-flight comes first and has no clock. The 30 days start the day your business bank account opens.

Pre-flight · EIN, free at IRS.gov

Your new LLC needs a federal EIN before anything else. The IRS issues it free, online, in minutes. Anyone charging you for this is a middleman.

Pre-flight · Business checking

An account in the LLC's exact legal name. You walk into the bank — no service can legally do this for you, including us. The day it opens, your 30 days begin.

Day 1–3 · NAP consistency

Name, address, phone — identical everywhere: your state filing, IRS records, bank, listings. Mismatches are the #1 silent reason files stall.

Day 4 · DUNS, free at dnb.com

Dun & Bradstreet issues DUNS numbers free, in 2–4 weeks. It goes in on day 4 precisely because it's slow. Paid "expedited" resellers add nothing a new LLC needs.

Day 6–11 · Vendors that report

Three net-30 applications to suppliers that actually report to business bureaus — Uline, Quill, Grainger — drafted paste-ready from your file.

Day 14–30 · Credit live

Small orders, invoices paid in full the day they land from the LLC account, first line confirmed, day-30 audit. Paying on time is the entire game.

The guarantee, stated honestly

Open the bank account, then hit every deadline, and your new LLC has at least one open credit line in its own name within 30 days — vendor net-30 terms count, because that is credit: a supplier shipping against your company's promise to pay. Nothing approved by day 20 and we work your file directly, free.

What we never promise: a bank loan, a credit score, or a Paydex number in 30 days. Banks and bureaus decide on their own clocks, and anyone guaranteeing those is selling you something. Our guarantee is backed by our own refund — every step done on time, nothing open, 100% back. Exact terms.

What's actually state-specific

Your LLC's legal existence lives with your state's business filing office — keep it in good standing. Annual report requirements and fees vary; check your state's official .gov site directly. Everything credit-related after that is identical in all 50 states.

Watch for state-lookalike mail: new filings attract "certificate of compliance" letters that imitate official notices and charge for things that are free. Your state never invoices you through a third party.

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