Creative Analytics Net 30 Review

As a new business owner, net 30 accounts are one of the few tools you can use to start building business credit for your company. However, like any type of credit, there are differences between individual accounts, and some will suit you better than others.

This Creative Analytics net 30 review will analyze its pros and cons to help you determine whether you should apply for the vendor tradeline.

Is the Creative Analytics Net 30 Account Worth It?

A Creative Analytics net 30 account is often worth it for new business owners. You can qualify after operating for just 30 days, as long as you don’t have any delinquencies or other negative entries in your business credit report.

Creative Analytics also offers a diverse mix of products and services, including everything from office products to digital growth marketing. That makes it easy to find something worth buying from them for more than just building business credit.

Third-party sources claim that Creative Analytics will report your activities to Equifax Business, one of the major business credit bureaus, plus Creditsafe. (Although we haven’t been able to verify that for ourselves, so we’re not sure if they still do report.)

While you’ll need more accounts to establish a credit history with other top bureaus, that’s a strong start.

Lastly, there are also multiple versions of the Creative Analytics net 30 account. They vary in both price and benefits, providing a good mix of options for business owners with different circumstances and priorities.

Creative Analytics Net 30 Account Pros

Available to New and Established Businesses

New business owners often struggle to qualify for financial tradelines, like business loans. Not only do their issuers expect you to have a good business credit score, but they also tend to have time-in-business and revenue requirements.

For example, Bank of America requires you to have at least two years of business history and $100,000 in annual revenue before you can apply for its Business Advantage Term Loan, and even then, there’s no guarantee you’ll qualify.

In contrast, trade credit is much more accessible for new small business owners, and Creative Analytics’ net 30 account is no exception.

You can qualify once your company has been established for 30 days, and the only business credit requirement is that you have no delinquencies or other derogatory entries in your credit report.

Offers Diverse Products and Services

Building business credit history with a net 30 account requires you to make regular purchases with it. Otherwise, you’ll never establish any kind of payment history, and your tradeline won’t contribute to your credit score.

As a result, it’s always best to open trade credit accounts with vendors you already have an interest in buying from. That way, your purchases will benefit your business’s operations, not just its credit.

Fortunately, Creative Analytics offers various products and services, increasing the chances that they’ll provide something you already need. Its flagship offering is digital marketing, including services like:

• Comprehensive growth marketing
• Website design and HubSpot configuration
• Business process and marketing automation
• AI-assisted content creation and fractional marketing

In addition to its digital marketing services, Creative Analytics also has a shop where you can buy a diverse mix of products, including computer accessories, ebooks, office supplies, home improvement tools, and more.

Creative Analytics Net 30 Account Con

Reports to One Major Credit Bureau

To build business credit, you must actively use tradelines issued by vendors or lenders that share your activities with a credit reporting agency. Otherwise, your activities provide no benefit to any of your scores.

The ideal credit account would report to every major credit bureau, which includes D&B, Experian Business, and Equifax Business. However, that’s relatively uncommon, especially for vendor credit accounts.

Creative Analytics is pretty average for a trade account in that it only reports to one major business credit bureau, Equifax, though it also shares data with Creditsafe. And again, we haven’t been able to verify that for ourselves. Many sources on the internet claim that companies report to the credit bureaus, when in actuality they don’t.

While that is a drawback, it’s not one that should discourage you from opening a Creative Analytics net 30 account. To build sufficient business credit with all three major credit bureaus, you’ll probably need several accounts that only report to one bureau.

If you’re looking for additional accounts to consider, read our Wise Business Plans Net 30 Review and our list of Net 30 Electronic Accounts and Net 30 Clothing Vendors.

Creative Analytics' Net 30 Approval Requirements

Net 30 vendors tend to have more relaxed approval requirements than traditional lenders, but Creative Analytics still expects applicants to have certain qualifications. Here are its minimum eligibility criteria:

• Operate in the United States as a domestic incorporated entity
• Have an Employer Identification Number (EIN) and D-U-N-S number
• Be established and in business for at least 30 days
• Have up-to-date state of incorporation registration with a verifiable phone number
• Have no derogatory business reporting or delinquencies

Fortunately, there is no personal guarantee or personal credit check involved. However, Creative Analytics charges certain fees for each of its three business credit accounts. Here’s how they work:

Account	Costs	Benefits
Invoice Account	N/A	Net 30 payment terms on digital marketing services
Purchasing Charge Account	$79 per year	Net 30 terms and access to standard products; Initial credit limit of $1,000
Founder’s Circle Community Account	$49 per month	Net 30 terms and access to exclusive products; Initial credit limit of up to $5,000

Build Business Credit Faster With FairFigure

Net 30 accounts are one of the most reliable ways of building business credit for new business owners, but they’re not always the most efficient. They’re not as impactful as financial tradelines, and you may need to open as many as a dozen to accomplish your goals, which is both time- and capital-intensive.

To get a credit account without those drawbacks, use FairFigure.

FairFigure offers two tradelines for the price of one, including a financial tradeline. When you subscribe, you unlock the FairFigure Capital Card. We also report both your subscription and Capital Card to the business credit bureaus, including Equifax Business, Creditsafe, and the Small Business Financial Exchange.

In addition, your subscription includes consumer and business credit monitoring, access to all three major personal credit reports, two sets of business credit scores, and a Business Credit Corrector tool for disputing errors.

Eligibility for FairFigure is also determined solely by your revenue, so you can qualify with as little as $2,500 in monthly recurring revenue—no personal guarantee required.

Join FairFigure today for a better way to build business credit.