A vendor credit line is what’s known as when a company extends a small line of credit to your business. They come in net 15, net 30, net 60, and net 90 day periods, in which you have that allotted time to pay the bill in full. Buy what’s needed for your business, and pay it off ASAP. Accounts will differ within that 15-90 days to pay them off. Always apply first without using your SSN. No matter how much they say you need it, or insist you use it, submit the application without using your SSN first always. With your first net 30 report, your credit report file activates automatically whether it was before or not. Most vendors do not send credit reports out to the report providers, so you will need to request that, and it will take about 3 net cycles to build a credit score.