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.

You can use The Credit App if you’re an LLC, corporation, or sole proprietor with a signed agreement for goods or services that went unpaid. If the contract includes a personal guarantee, you may also be able to report the debt tied to that guarantee.

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.

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.

Yes. The Credit App provides business credit reporting services throughout the United States. Mechanics lien filing services are available in accordance with each state's lien laws and filing requirements.

No. The Credit App is not a traditional debt collection agency. It provides business credit reporting and mechanics lien filing services that help businesses recover unpaid invoices while maintaining greater control over the collection process.