"It streamlines the process: upload proof of debt (contract, invoice, documentation), submit debtor contact info, and The Credit App notifies debtors via email, text, and certified mail. After a 2‑ to 4‑week grace window, valid unpaid debt is reported to Equifax—and subsequently to other major bureaus—listing the creditor’s details and significantly motivating payment.

With secure, compliant infrastructure (128‑bit encryption) and accessible nationwide reach, the platform delivers transparent updates and eliminates hidden fees. By bypassing traditional collection methods, The Credit App offers a cost‑effective, scalable solution that enhances small business liquidity and strengthens financial accountability."