How do I dispute a debt?

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.

What information do I need to report credit?

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. With The Credit App you no longer need a SSN or even a DOB to provide accurate credit reporting.

When a previous purchased order has an account status of “Awaiting Processing”, this means that we have received the file and sent out all notices.

What credit bureaus do you report to?

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.

How much does it cost?

$99 per transaction, whether that is to upload a New Debtor Form, Update a Balance or Dispute a Claim. If your contract includes “collection costs” then you can also include the cost of this service in the balance owed.

What if I have a lot of orders to submit?

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

How is the debtor notified and what are they instructed to do?

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.

What do I tell a debtor to do after they pay their debt in full?

If they wish to have the negative credit mark taken off their record, then tell them to visit thecreditapp.org where they can upload proof of payment and have the mark removed or not reported in the first place, if they pay on time.

What states can you report in?

We are currently reporting credit data in all 50 states.

What are the requirements for the credit bureaus to accept a default?

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.

Who can report debt and who can I report?

Any LLC, corporation, or sole proprietor can report customer defaults through The Credit App to the Credit Bureaus.

When will the negative mark go on the debtor's report?

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.

What's the difference between The Credit App and a debt collector or attorney?

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. Are you guaranteed to get paid when using The Credit App? No, but this is a numbers game. If you submit five debtors for $200 and one pays you that $10,000, that is a great deal!

Why don't you have a phone number?

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.

What if I don't owe a debt and the information being reported is wrong?

Please go to Dispute Transaction and submit physical proof of the debt not being owed. This can consist of photos of incomplete work or a bank statement showing the amount being paid.

Credit and Debt Collection

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Frequently asked questions

General Questions

You’ll need a signed, legally binding agreement, a final invoice, and the debtor’s basic contact information. If you’re recording a lien, your state may require a few extra details, so it helps to gather everything before you begin.