Tier 1 is the first round of business credit accounts that your business will apply for. Remember, not all business credit accounts report to the business credit bureaus. By applying for specific accounts that report and approve without a personal guarantee, you are starting to establish your business credit. Just like establishing your personal credit, your initial business credit accounts aren't always the most desirable, but they are simply the first step.

Tier 2 of trade accounts further builds your business credit reports. Another 3 trade accounts reporting brings your total to 6.

Tier 4 of trade accounts further builds your business credit reports. Another 3 trade accounts reporting brings your total to 12.