Frequently Asked Questions

We know you have questions, and that's okay. We've assembled the list of what people have asked about the most, but we know it isn't everything. If you have a question you want an answer to and can't find it here or elsewhere on our site, visit the About Us page to send us a message and we'll get back to you as quickly as we can.

How does your service work?

Basically, we buy large quantities of new and liquidation merchandise and pass the savings on to you. This doesn't sound very exciting, of course, but if you haven't already figured it out, many other companies out there promising to help you build business credit also take advantage of you by charging insanely high prices for everything you buy.

Not us. Everything we sell is priced below retail, usually around 20% less and sometimes much more than that. Our goal is to genuinely help you save money and improve your business credit.

What kinds of merchandise does Moose Creek Traders sell?

If you haven't looked around the 'Shop By Category' page yet then now might be a good time to! Our selection changes all the time, but it covers a range of office supplies and other consumable supplies for your business. Your tradeline ensures you can purchase items you already buy now, at competitive prices, while building your business credit.

If you see something you are interested in then we suggest that you buy it as soon as possible - in many cases, the available quantities are very limited and may not be in stock again for some time, if at all. We're constantly scouring the list of sources we have for the next great buy, and we can't predict what will come available next or if we can buy more of even our more popular items. It really is a "first come - first served" opportunity, so don't let a great buy get away from you!

Is there a purchase minimum?

No, you can buy as little or as much as you like.

How quickly will I receive my order?

Everything we sell is in stock and will generally ship the same or next business day. We will email tracking information you you as soon as it is available so you know your merchandise is on the way.

What happens if items in my order are damaged or missing?

The easiest way to answer this question is to refer you to our 'Refunds' page.

What is required to be a customer?

When you sign up, you must provide a business name, Federal EIN (federal tax ID), and business contact information. If your business is a Sole Proprietorship then you will be required to provide either an SSN or ITN. We may, at our discretion, choose to verify your company's information with the secretary of state or other authority in the state where the business was formed. If we are unable to verify the information then we may also choose to discontinue any further sales to your company. We will not grant NET-30 credit lines to companies whose information cannot be verified.

Do I pay sales tax on my purchases with you?

We charge Colorado sales tax on all purchases.

Can I change my plan?

Yes, you can change your subscription plan, as long as your account is current. Simply contact us to let us know what you'd like to change and we'll make it happen.

How much is shipping?

Shipping fees are very simple - orders of $75.00 or more (before tax) ship for free, and orders less than $75.00 (before tax) incur a flat shipping fee of $4.99. That's it!

Why do I have to be a Premiere Club member to apply for a tradeline?

Because we are willing to grant credit to almost anyone who qualifies, we run the real risk of not being paid on credit shipments. Membership fees help to offset some of the losses we take on accounts that don't pay, and that lets us continue to offer very low prices on all our merchandise for everyone. Most companies add in a percentage to their prices to make up for credit losses - we don't.

Another reason for the membership is that it shows a level of commitment on the part of our customers, because they wouldn't be Premiere Club members paying a fee each month for an account they wouldn't use, right? Finally, it costs money to provide credit services and report to the bureaus, so membership fees help to pay some part of those costs.

How much can my company be approved for on credit?

There are many factors that go into each credit decision we make. The minimum tradeline we extend is $1000.00, and the highest would be $5,000.00. By the way, the average new credit limit is $2,000.00 to start with and can increase over time and with a good payment history. We consider the age of your business, the history of purchases your company has made, and other factors.

You can always request credit limit increases, which may or may not be granted, or they might be for less than you request - this decision is mainly based on your history with us. You can request an increase every three (3) months, as long as you have at least one purchase since the last review or since the credit limit was initially granted.

What is the difference between NET-60 and NET-90 terms?

NET-60 means you have 60 days from the invoice date of your purchase in which to pay your balance. NET-90 means you have 90 days. The benefit of having longer reported net terms is that it demonstrates to other creditors that you can manage longer payment terms, which opens up more possibilities for improving your business credit.

Do you require a credit check or personal guarantee for credit approval?

NO. We verify that your company is registered and in good standing with the secretary of state, but we don't run a credit check or require you to give a personal guarantee for approval.

The biggest question we get is, why not? To be honest, we charge a subscription fee as a way to have a reserve against losses from accounts that don't pay, but so far we have seen a very high on-time payment rate from our customers, so we are happy to continue offering credit without credit checks or guarantees until or unless that changes. We know how hard it can be to establish or build business credit, because we've been there ourselves and understand the challenges. We want to see you be successful because everyone deserves a real chance at their dream of entrepreneurship.

Is my tradeline reported to business credit bureaus?

Yes. We do report accounts to multiple business credit bureaus on a monthly basis, including Experian and Equifax.

Is my account reported even if I don't purchase products?

Yes, as long as you are a Premiere Club member we will report your monthly subscription payment to the credit bureaus. However, keep in mind that a big factor to getting the most out of your reported tradelines is that you must actually use them. Not showing any activity on an account may cause the scoring models used by the bureaus to not include it in their calculations of your score.

Can I cancel my subscription?

Yes, you can cancel your subscription whenever you like. Keep in mind that if you have a credit account with us and cancel your subscription, we reserve the right to close the credit line to any new purchases. Your credit account is only valid as long as your subscription is active and current.