The Office Garner Tier 1 is a vendor tradeline from Office Garner. The annual fee is $69. Minimum order: $45. Reports only to Equifax. Good filler tradeline, but not a core long-term ac. The ongoing APR is 19.99% Variable. Office Garner Issuer: Office Garner Reports To: Equifax Business Personal Guarantee: Not required Why It Matters Reliable for building Equifax, often ignored by smaller vendors. Simple entry for newer businesses without derogatories. Key Notes Setup | PG verification: The personal guarantee requirement is accurate as Office Garner does not require a personal guarantee for this product.