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 data is promptly submitted to Equifax for immediate processing, with the other credit bureaus typically reflecting the reported information within a month.

A valid, signed, and legally binding agreement must exist between creditor and debtor. The debt must be legitimate, bona fide, and at least 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 notify us that the debt has been paid in full. The Credit App does not handle payments, but all payments made by the debtor are confirmed with the creditor. Once the account is fully paid, we will remove the negative credit mark, as if it never happened

Email support@thecreditapp.org with 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 custom, automated notices to the debtor via email and text. Here is an example of a notification:

**'Hello Mr. ****,

[Company Name] has reported a default or late payment in the amount of $965.73, which became overdue on 12/2/2019. Please pay the full balance to [Company Name] and have them email us for payment confirmation. If you wish to dispute this balance, please email support@thecreditapp.org with evidence that this debt is not owed. To prevent a negative mark from being added to your credit report after the 30-day grace period, please take the necessary actions.'

As you can see, we always instruct the debtor to negotiate and pay the creditor directly. We do not handle the collection or distribution of funds.

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

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

The Credit App is a service designed to help small business owners collect payments. We do not collect debt on your behalf; instead, we provide the tools for business owners to quickly and affordably collect late payments and defaults.

When you use a traditional debt collector or attorney, you typically pay a 30% fee of what they collect. This may seem appealing because you only pay if they collect money. However, here's what usually happens:

You're owed $10,000 from a nonpaying customer. You contact a debt collector and sign up for their 30% collection fee. The collector then calls your customer and asks, 'Will you settle for $5,000?' The debtor agrees, and the collector takes a $1,500 cut, leaving you with just $3,500. While this might be better than nothing, it's far from ideal.

With The Credit App, you pay a flat fee of $99 to accomplish the same task a debt collector would do, in the same amount of time it would take to fill out a contract with a collection agency.

For obvious reasons, we do not make our office number public. The fees we charge do not cover handling daily calls from angry debtors. All communication with debtors must be in writing. Nothing a debtor says will influence our decision to report or not report the debt—we only consider facts and evidence.

We offer a chat box and a public email at support@thecreditapp.org. If you prefer to speak with us by phone, please email 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. This can include credit bureaus, tenant screening companies, check verification services, medical information services, or companies that report unpaid debt.