Managing Vendor Relationships

Vendor credit is not a one-time approval - limits grow with order history, and accounts go stale if unused. Vendors re-underwrite quietly: consistent orders paid early move you up; dormancy and late payments quietly cap you.

Why it matters

The compounding part of vendor credit is the relationship, not the account. A vendor you have paid early twelve times will extend terms a fresh file cannot buy anywhere.

Key facts

• Many vendors raise limits automatically after a series of on-time orders; some require a request.
• Paying before terms (early, not just on time) is what generates the strongest Paydex scores - D&B rewards early payment explicitly.
• Stale accounts can stop reporting; a tradeline that goes quiet stops adding history.
• Concentrating all spend on one vendor builds depth but not breadth - scoring wants several active tradelines.

In practice

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