The Credit App has a very streamlined process. The day after you place your order with The Credit App the debtor receives a text and email explaining what is going on, who they need to pay, and how soon they have before the grace period is over. They will receive a certified letter explaining the same thing a few days later. The Credit App always gives an average of 30 days to pay. This is required by law and the goal is to get the creditor their money, not to harm the debtor’s credit. Further, this gives the debtor the opportunity to dispute the debt, which The Credit App encourages the debtor to dispute the debt if the debtor thinks that there has been a mistake or misunderstanding. After the 30-day grace period the negative credit mark will be reported to the credit bureaus just like if they didn’t pay their car loan. If for some reason the debtor decides to dispute the debt, then they would be required to submit photos or documents evidencing the debt not being owed. When a small business owner reports a debt The Credit App does not take their word for it, they have to provide the signed contract evidencing the debt, so they have the same requirement for a dispute.