We charge a flat $99 per debtor that you want to report. If your contract includes “collection costs” then you can also include the cost of this service in the balance owed.

The more information you have on the debtor, the more likely we are to report the debt to the correct account at the credit bureaus. If you only have a name, for example, the odds are very slim that we can report your debtor due to conflicts with the credit bureaus. But if you have an address, we can likely associate the individual. Unlike other credit data furnishers, we skip trace every debtor you submit so that we can have an accurate report every time. With The Credit App you no longer need a SSN or even a DOB to provide accurate credit reporting.

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.

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.

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.

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. ******, this letter is from a debt collection agency, ******** 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 two week grace period. This is an attempt to collect a debt. Any information obtained will be used for that purpose." 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 in all 50 states.

There must be a signed 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 through The Credit App to the Credit Bureaus. 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.

We report to the credit bureaus monthly, but we give a two week grace period to the debtors to pay the debt. The main goal is to get the creditor paid. Depending on when the debt was reported, it can take two to six weeks for them to see your name on their credit report.

The Credit App is a service to help small business owners collect. 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. Are you guaranteed to get paid when using The Credit App? No, but this is a numbers game. If you submit five debtors for $500 and one pays you that $10,000, that is a great deal!

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 physical proof 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 other 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.

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.