Should I pay DNB for anything?

The DUNS from D&B is free. You decide if their other services are necessary.
Will an aged shelf company guarantee corporate credit?
No. Then what will an aged shelf company do for you?
corporate credit faqs

Ask yourself these questions:

self asked questions
What are the accounts I should consider opening right away?
How do arrange my business affairs to most effectively apply for credit?
Place yourself in the shoes of the bank. What are they looking for?

Do I need a corporate kit for my business?

No. Our shelf companies filed in Montana and Wyoming do not require that the shares be certificated. This means that the shares do not need be to reduced to paper form. If you don’t have investors, then the corporate kit is not necessary. The stock ledger is a list of stockholders, when they acquired the shares, the share numbers, etc. This is an example of stock ledger founder here. The stock ledger is held privately. It’s not filed with the Secretary of State.

As for the corporate kit, it is often an unnecessary and antiquated practice. Your customers and your bank will not ever see the leather bound book. Save your money and buy a laser printer instead. The corporate seal is not used any more. Banks don’t require a seal; except for the occasional Well Fargo branch. Even then, order one if its ever required. Where do you buy? Visit for these unnecessary items. Incorporators, just all other industries, sell you things you don’t need.

corporate credit kit faqs
building corporate finance

What’s the difference between a Personal Guarantor requirement of a Social Security Number and the Know Your Customer rules?
The Know Your Customer rules are to identify who is the signer on an account. That’s different than serving a s personal guarantor(PG) for a loan. Serving as a PG obviously means that you are responsible for the payment of the loan if all other parties, if any, fail to pay. You are on the hook as the PG.

I though corporations offered limited liability. Why is Transunion being used to do background checks on the owners of the company?
Corporations offer limited liability. This remains the same. Now, Transunion does background checks on the owners of the company to determine if the owners have engaged in high risk or fraudulent activity in the past. Even when you’re not the guarantor on the loan, they still drag you into the credit worthiness of the corporation. The solution: Don’t place any officer on your company unless they are clean of any recent business failures, fraud matters, and other questionable activities.

How many trade lines of credit do I need?
 At least three trade lines is required.  We recommend five trade lines.  We recommend to more than what is necessary.  Some trade lines are not reported to DNB.  Our suggestion is to obtain seven trade lines with at least $200 on each trade line; or a minimum of $100 each.

How long does it take for trade lines to show up?
Transunion and DNB has paired up to do the checking on the companies and to do background checks on the owners.

Why are Net 30 orders important?

A Net 30 order is an order on credit that must be paid in thirty(30) days. Pay it off early to improve your business score. The more Net 30 orders paid early, the better the Paydex score. This depends upon your ability to buy. If you don’t have the money to pay these orders on time or early, then building your Paydex score will take more time. Your budget will determine how many of the credit orders you may place in the purchase of goods and services, and how soon you pay them off.

When are account receivables reported? Trade lines data is submitted at the end of the month in most cases. DNB and credit bureaus update their data about the same time.

5 Million dollars? 5 Years? I saw this on an application and it’s outrageous. I don’t meet this requirements.

Most businesses and people don’t. It’s an antiquated practice. Don’t sweat it.

net 30 orders faqs
legitimate business profile

What is the profile of a legitimate business?

Can I get my DUNS number from D&B in one day at no charge?

Yes, please visit here:

As long as you intend to apply for grant or a contract from the US Government at some time in the future, you may apply at this webpage for your DUNS number. No charge and it is quick!

If you register at this D&B site, you must have at least five employees. Make certain all the information is correct. They charge a fee for correcting any data. Their validation procedure may also delay your ability to obtain business credit. Incorrect information is worse than not filing at all.

If you’re applying for contract work involving the US federal government, then consider applying for Central Contractor Registration here: or here:

If I have bad credit, can I obtain corporate credit?

DNB now shares information with Transunion through their i-update program. This is to identify people who start a business, obtain credit, and don’t pay it back. DNB seeks to identify these people and flag them as “high risk.” Some individuals are flagged high risk without a discernible reason.

If you currently have bad credit because of bad decisions that you’ve made in the past, and seek to start a business, then consider bringing in a partner. Make certain that the partner has good credit.

get duns number from d&b
buy or file shelf llc

Do buy the shelf company first or file the EIN first?

Acquire the shelf corporation or shelf LLC first, then file for the EIN.


Do I buy the shelf company before I obtain the address and the phone number?

Acquire the shelf company and then obtain the address and phone number. Place the company name on the phone registration and the lease.


Should I buy a shelf company with an EIN?

Never! If you don’t believe us, ask your lawyer. Companies with existing EIN’s often owe back taxes and other debts; such as credit cards and unsecured lines of credit. You may be buying a shelf corporation with unseen debts and liabilities. To avoid these problems, please consider buying a clean shelf company without an EIN, without a bank account and without existing credit. You’ll be certain that the taxman will not be knocking on your door for back taxes, and the debt collector won’t be bothering you.

Should I use a virtual phone number or a phone line from the phone company?
Virtual phone numbers cannot be registered with 411 information services. To do that, you must have a real phone line through the phone company. Most phone companies can forward incoming calls to your cell phone.
What's the first application I should make for a tradeline?

Go to, or similar office supply store and sign up for their rewards and a line a credit.
Important: Ask for a catalog. Then within thirty days, apply for a trade line. They prefer to open trade lines for current customers (those who receive the catalog). You are assigned a customer ID number when you receive the catalog. That customer ID card is important.

tradeline faqs
shelf corporations and llc details