Creative Analytics Net 30 Review 

The traditional method of building business credit begins with acquiring net 30 accounts. As vendor tradelines, they’re easier to qualify for than a financial tradeline like a small business loan and can help you lay a foundation of positive credit history. 

However, there can be some surprisingly significant differences between net 30 accounts, so some won't be right for everyone. This review of the Creative Analytics net 30 account will help you determine if it makes sense to apply in your circumstances. 

Our Creative Analytics Net 30 Review 

The Creative Analytics net 30 vendor account can be a good way to build business credit as a small business owner. It offers a mix of goods and services that many would find helpful and has a responsive customer service team. 

However, it takes some work to meet the vendor’s qualification requirements, and the company only reports to Equifax Business and Creditsafe. It can also be relatively expensive if you have to pay for one of its membership plans. 

Here are each of the most significant factors you need to consider before applying for the Creative Analytics net 30 account: 

      -  Reports to Equifax and Creditsafe 

      -  Offers Mixed Goods and Digital Marketing Services 

      -  Available to New and Established Businesses 

      -  Offers Three Business Credit Accounts 

Reports to Equifax and Creditsafe 

One of the most important factors when you’re considering applying for a net 30 account is which business credit bureaus they report to. If it doesn't show up on your desired credit reports, it won't help you build credit. 

Creative Analytics will report your tradeline and activities to Equifax Business and Creditsafe. Equifax is a major business credit bureau, so that’s a significant benefit, especially if you don’t have other accounts on that credit report. 

However, you'll have to sign up for other vendor tradelines to build credit with Experian Business and Dun & Bradstreet (D&B), the other major business bureaus.  

That’s not too much of a drawback since you need more than one vendor account with each bureau to build good credit anyway, but it’s better to target accounts that report to multiple credit bureaus when possible. 

Offers Mixed Goods and Digital Marketing Services 

Another critical factor to consider when deciding which vendors' net 30 accounts to target is the products and services they offer. Since you must buy from them to build credit, it’s best to apply for accounts with those that sell something you already want. 

Otherwise, you'll make unnecessary purchases just to build business credit. That's rarely worth it since you could always use a service like eCredable to turn expenses you’re already paying into vendor tradelines. 

Fortunately, Creative Analytics sells a diverse enough mix of products and services that most small businesses can find something beneficial in its catalog. Its primary offering is its digital marketing solutions, which include: 

• Inbound marketing, conversion optimization, and landing page development 

• Graphic design, email marketing, copywriting, and technical writing 

• Technology consulting, projecting management, and process automation 

• WordPress web design, search engine optimization (SEO), and social media management 

You can purchase many of these as a recurring service or in a one-off package. However, they’re pretty expensive either way. For example, a custom landing page costs $750 for members and $1,200 for non-members. 

If you don’t have the money or a need for those services but still want to build credit with Creative Analytics, you may want to buy its products instead. They include a wide range of miscellaneous goods, such as: 

• Office supplies 

• Beauty and fitness products 

• Phone, car, and computer accessories 

These are generally much cheaper options, and you’ll probably need something they offer anyway. For example, you could buy a stapler, a wireless keyboard, or a laptop backpack. 

Available to New and Established Businesses 

Once you decide that a vendor’s net 30 account is worth having, you should also determine whether you can qualify. After all, you should generally only apply to accounts that are both beneficial and likely to be accessible. 

Fortunately, new and established businesses can qualify for a credit line with Creative Analytics. The only time-in-business requirement for the company’s net 30 accounts is that you be established for at least 30 days. 

However, that doesn’t mean all new businesses are guaranteed to qualify for an account. When you submit your application, Creative Analytics will run a business credit check and may deny you if it discovers late payments or defaults in your credit history. 

Offers Three Business Credit Accounts 

Creative Analytics actually offers three different types of business credit accounts. Two of them grant you a net 30 account. The third doesn’t require that you make additional purchases to build credit but charges a more regularly recurring fee. 

Here’s an overview of how they work: 

If you're primarily interested in building business credit as cheaply as possible, the Purchasing Charge Account is probably what you’re looking for. It lets you buy from the Creative Analytics digital store with the vendor’s net 30 account for just $79 per year. 

The Invoice Account has no annual fee, but you can only use it to buy digital marketing services, which are generally much more expensive than the goods in its online store. 

How To Qualify for a Creative Analytics Net 30 Account 

Fortunately, Creative Analytics is very transparent about the eligibility criteria for its net 30 account, which include the following: 

• Be in business for at least 30 days 

• Operate in the United States as a domestic incorporated entity 

• Have a federal Employer Identification Number (EIN) and D-U-N-S number 

• Have up-to-date state of incorporation registration with a verifiable phone number 

• Don’t have any derogatory business reporting or delinquencies 

If you meet these requirements, you can fill out an online application. When you apply for the Invoice Account, you must disclose the marketing services you’re interested in, your monthly marketing budget, and when you’d like to start. 

In addition, you’ll need to identify your primary competitors and supply some basic information like your name, email, company name, and business address. 

To apply for either of the other two business accounts, you must set an email address, user name, and password, then provide the following information about your company: 

• Legal business name 

• Industry and primary offering 

• Legal entity type 

• EIN and DUNS number 

• Business start date 

• Number of employees 

• Estimated annual business income 

• Business address 

• Business phone number 

Next, you must select one of the business account memberships discussed in the previous section and pay the associated membership fee. Once you do that, you should receive a response sometime in the next three to five days. 

During that time, Creative Analytics will check your business credit score and confirm that the information you provided in your application is accurate. However, they won’t check your personal credit score. 

If your application gets denied because you don’t meet the qualification requirements, you may receive a refund for any fees you paid. 

If your application is accepted, you’ll get to pay balances off over a 30 day credit term when you buy goods or services from the vendor. That can help you manage your monthly cash flow, much like a business credit card. 

However, Creative Analytics won't report your new tradeline until you complete an order for at least $100 worth of goods with your vendor credit account. Fortunately, there’s no minimum order requirement afterward. 

Use eCredable to Build Business Credit 

Building business credit with net 30 accounts is effective, but it’s not always efficient. In fact, it’s often surprisingly expensive, especially if you sign up for accounts with vendors that sell goods or services you don’t actually need. 

There’s also a good chance that some of your tradeline applications will get denied when you try to secure higher tier credit lines with net 60 vendors or net 90 vendors. As a result, it can take years to get a good business credit score that way. 

Fortunately, eCredable provides an alternative way to get trade credit accounts that’s faster and more affordable. With our Business Lift program, you can convert recurring expenses into vendor tradelines with Equifax and Creditsafe for just $19.95 a month! 

You can also report up to 24 months of payment history for each linked account. That can significantly improve your credit score virtually overnight, which is tough to do otherwise. 

We also report your eCredable subscription to Equifax, Creditsafe, D&B, and Experian Business. Based on our analysis of customer data, this tradeline alone has the potential to boost your business credit scores by up to 40% in only three months! 

Whether you're a new or established business, eCredable can help you build business credit quickly and without breaking the budget, so give it a try today!