We charge $149 to report a debt, $249 to record a lien, and $349 to do both. ($50 savings) If your contract includes “collection costs” then you can also include the cost of this service in the balance owed.

All you need is a legally binding contract, final invoice, and the debtor's basic information.

All of our data goes to Equifax for immediate processing and then normally a month later the other credit bureaus will pick up the data that has been reported to Equifax.

There must be a signed and legally binding agreement between the creditor and the debtor. The debt must be bona fide and legitimate. The debt must be 30 days past due.

Any LLC, corporation, or sole proprietor can report customer defaults and record liens through The Credit App. If the contract was signed by a business, the debt must be reported as a business debt, unless there is a personal guarantee in the contract. You can report the debt for any individual, business, or both in which they defaulted on a signed contract for goods or services in exchange for money.

First email support@thecreditapp.org and let us know that the debt has been paid in full. The Credit App does not receive payments, but all payments from the debtor are confirmed with the creditor. After they have paid off their account, we delete the negative credit mark like it never happened.

Email support@thecreditapp.org a full explanation of why the debt is not owed along with any supporting documents or photos. The review process takes 5 business days. Learn more about how can you dispute credit report inaccuracies.

Please contact support@thecreditapp.org for bulk order options.

As soon as you submit a New Debtor Form, our automated software takes over and sends out custom automated notices to the debtor via email and text. Here is an example of a notification: "Hello Mr. ******, ******** Company has reported a default or late payment in the amount of 965.73 that became late on 12/2/2019. Please pay this entire balance to ********** Company and then have them email us for confirmation of payment. If you wish to dispute this balance, you can email support@thecreditapp.org and email us evidence of this debt not being owed. Please take the following actions to prevent this negative mark from going on your credit report after the 30-day grace period." As you can see, we always instruct the debtor to negotiate and pay the creditor, we do not take part in collecting or distributing the money.

We are currently reporting credit data and recording mechanic's liens in all 50 states.

We are required to give all debtors a minimum 30-day period to dispute or pay their debt before we report the debt to the credit bureaus or record the lien. Please give us 6 weeks to return to you the credit data upload confirmation or the recorded mechanic's lien.

The Credit App is a service to help small business owners collect. We do not collect debt. We provide the tools for business owners to quickly and cheaply collect late payments and defaults. When you use a traditional debt collector or attorney you normally pay 30% of what they collect. This might sound appealing because you only pay if they collect money. Unfortunately, what normally happens is: You are owed $10,000 from a nonpaying customer. You call a debt collector and sign up for a 30% collection fee. The debt collector calls your customer and says, "will you settle for $5,000"? The debtor says, "that will work". The collector takes a $1,500 cut and the creditor gets $3,500. I guess this is better than nothing? With The Credit App, you pay a flat $99 to do the same thing that a collector would do in the same amount of time it would take you to fill out the contract with the debt collector.

For obvious reasons we do not make our office number public. The amount that we charge does not include listening to a hundred angry debtors every day pretending to be lawyers. All of our communication with debtors has to be in writing. Nothing that a debtor says changes our decision to report or not report the debt. We only consider facts and evidence. We have a chat box and a public email support@thecreditapp.org. If you wish to speak to us on the phone, please email us your information and we will reach out to you within one business day.

Please email support@thecreditapp.org and submit evidence of the debt not owed. This can consist of photos of incomplete work or a bank statement showing the amount being paid. The more evidence and detail you provide the better. Unlike debt collectors, The Credit App tries to be as fair as possible to all parties. We understand that a lot of companies are disorganized in their accounting practices and very few are, unfortunately, malicious. We strive to be as accurate as possible with data reporting and lien recording.

A data furnisher refers to a company or reporting agency that provides payment and account information to credit bureaus. It may include credit bureaus, tenant screening companies, check verification services, medical information services, or companies that report unpaid debt.