The Credit App empowers small businesses, contractors, and sole proprietors across all 50 U.S. states to take control of their debt recovery—without relying on expensive collectors or attorneys. Instead of paying 30% to agents or $200+/hr in legal fees, users pay a one-time flat fee ($99 for credit reporting; optional $249 for mechanics’ liens, or bundled discounts) to submit delinquent accounts via a secure online portal.