About The Credit App
Flat-fee credit reporting and mechanics lien services to help small businesses get paid.
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Tools for small businesses with unpaid customers
The Credit App empowers business owners to report customer defaults and nonpayments through credit reporting and to request mechanics lien preparation and recording with the appropriate county office. We provide a flat-fee alternative for small businesses that want an organized response to unpaid invoices.
Instead of giving up a percentage of the money you recover, you pay for the service you choose. Credit reporting is $149, mechanics lien recording is $249, and the combined service is $349 when both services are appropriate. Customers pay your business directly.
What makes The Credit App different?
We do not collect or receive money from your customers. We provide reporting and administrative lien tools to help you pursue eligible unpaid accounts, while your business remains the creditor and receives payment directly.
Customers are given an opportunity to pay or dispute an account. Accurate records matter: a signed agreement, final invoice, correct balance, and the facts behind the unpaid obligation help establish what should happen next.
Getting started is simple
Fill out the account information, upload the required documents, and choose your service. The credit-reporting service includes email, text, first-class mail, and certified-mail notices. Most accounts go through a 30-to-60-day notification and resolution process before a qualifying unresolved balance is submitted for reporting.
For mechanics liens, your state, role, project, notices, and dates determine the relevant requirements. Do not wait for a reporting notice period if a lien deadline is approaching. Recording is an administrative service; legal advice and enforcement representation are separate.
Choose a service for your unpaid invoice
The Credit App is an online service designed to help small business owners address late payments and defaults affordably. Review the requirements, choose the service that fits your account, and keep us informed about payments and disputes.
Read customer reviews and watch the videos
Compare prices and included services
The Credit App is operated by First Builders Financial LLC. The existing terms, privacy policy, and refund provisions remain available on the legal page.
Tools for the work you have already done.
Choose the service that fits your account. Your customer pays your business directly.