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$94,529,045
Total amount of debt reported to The Credit App.
$25,522,842
Total amount collected for our customers.
27%
27% of all accounts are paid-in-full within 30 days.
Average debt reported $6,811.
12,784
Over 12,000 companies currently use The Credit App.
About us
The Credit App empowers business owners to report customer defaults and non-payments directly to the credit bureaus. We also enable those same business owners to quickly and accurately record mechanics’ liens with their local county clerk. With The Credit App, you can bypass the $300-per-hour collection attorneys and the 30% fees charged by debt collectors. You’ll achieve better results for a low flat fee, spending no more time than it takes to sign a contract with a debt collector.
The Credit App is not a debt collector. We don’t collect or receive money from debtors; instead, we provide tools to help business owners recover their debts faster and with higher success rates. In fact, we give debtors a chance to dispute the debt, ensuring compliance with all legal standards and best practices.
Getting started is simple: fill out the new account form, pay a small fee, and wait for your customer to respond. They’ll immediately receive an email and text notification outlining the situation. Within a week, they’ll get a first-class letter and a certified letter with further details. They then have 30 days (required by law) to pay or dispute the debt—otherwise, the unpaid balance will appear on their credit report or property title, listed alongside your company’s name.
Debt Collection Options:
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Attorney: $300 per hour for one threatening letter; minimum $5,000 if they go to court.
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Traditional Debt Collector: 30% of the collected amount—based on the negotiated settlement, not the full contract price.
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DIY: Send threatening letters or file a mechanics’ lien yourself. Expect ~$150 in court costs, clerk filing fees, notary fees, and a couple of hours of your time.
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The Credit App: For $350 and just 5 minutes of your time, you get:
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Threatening letters sent on your behalf.
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Debtors may be unable to borrow money until they pay (or for up to 7 years).
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Employment could be impacted due to poor credit.
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Home titles encumbered with a lien.
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Debtors may be unable to sell or refinance their home until you’re paid.
What’s the Difference Between The Credit App and a Debt Collector or Attorney?
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The Credit App is a service designed to help small business owners collect from customers who refuse to pay. We provide tools to recover late payments and defaults quickly and affordably. With traditional debt collectors or attorneys, you typically pay 30% of what’s collected or $300 per hour—appealing since you only pay if they succeed. But here’s what often happens: You’re owed $10,000 from a non-paying customer. You hire a debt collector with a 30% fee. They call your customer and ask, “Will you settle for $5,000?” The debtor agrees, “That will work.” The collector takes $1,500, leaving you with $3,500. Better than nothing, right? With The Credit App, you pay a flat fee to achieve the same result—plus additional leverage—in the same time it takes to sign a debt collector’s contract.