They didn't pay.
Report the debt.
You did the work. You sent the invoice. They chose not to pay.
Bureau Reporting helps contractors and businesses put legitimate unpaid accounts where they belong — on the credit file of the person who owes the money.
Report unpaid accounts to the major bureaus.
We handle the reporting process, account documentation, disputes and verification work so you can stop carrying the unpaid invoice by yourself.
Reporting is the product.
Bureau Reporting was built for businesses that are tired of unpaid invoices disappearing into the accounting system. We provide the reporting infrastructure and account servicing needed to keep legitimate debts moving toward the credit file.
TransUnion + Equifax
Your eligible account is prepared and furnished through our bureau reporting process so the debt is no longer simply sitting in your accounts-receivable system.
Disputes & VOD
When an account is disputed, we manage the documentation, verification and response process. We also handle verification-of-debt letters when required.
Ongoing Account Management
You provide the account information and supporting documentation. We manage the reporting relationship while you get back to running your business.
Accountability gives a legitimate debt a path forward.
You did the work. The customer received the benefit. When a legitimate balance goes unpaid, reporting creates accountability without requiring you to spend your day chasing the same invoice. Accurate reporting can also give the person who owes the money a clear reason to do the right thing — resolve the balance, make payments, or dispute the account if they believe it is wrong.
Businesses deserve to be paid.
A contractor or service business has already invested labor, materials, time and overhead. A legitimate unpaid balance should not simply disappear because the customer stopped responding.
Reporting creates a reason to resolve it.
Credit reporting gives an unpaid account another place to exist beyond your accounts-receivable system. The goal is accountability, not harassment.
People can make it right.
A person who owes a legitimate debt can pay it, communicate about it, or dispute it. Keeping an account active in the reporting process gives resolution a practical path.
Accurate reporting protects both sides.
We focus on legitimate, supportable accounts and manage disputes and verification requests. The standard is simple: report what is owed and handle the account responsibly.
Simple from invoice to reporting.
You know the account. You have the documentation. We handle the reporting process and the ongoing account administration.
Start the file.
Provide the unpaid invoice and supporting account information.
We review it.
We review the documentation and determine whether the account is appropriate for the reporting process.
We report it.
Eligible accounts are furnished through the reporting process to TransUnion and Equifax.
Keep it current.
We handle ongoing reporting, disputes and verification activity as the account changes.
Simple enough to explain at the counter.
No large retainer. No complicated pricing matrix. Put an account into the reporting system and keep it active for as long as you want it reported.
Reporting
One account. One simple monthly cost. Volume pricing is available when you place multiple accounts.
What you're paying for
You're not buying another round of collection calls. You're putting a professional reporting process behind an account that has already gone unpaid.
- Credit bureau reporting
- Account documentation
- Dispute handling
- Verification / VOD response
- Ongoing account administration
Onboarding Pricing
$54 to onboard each account, with the standard monthly reporting schedule.
Volume discount
Accounts submitted together receive discounted onboarding pricing. Ask us about the volume rate for your client list.
Bundled pricing
Larger account bundles receive an even greater discount, making Bureau Reporting easier to build into your workflow.
Before you send the first account.
What kinds of businesses use Bureau Reporting?
Contractors, trades, builders, general contractors, service companies and other businesses that invoice customers and encounter unpaid balances.
What do I need to submit?
Generally, we need the unpaid invoice along with the contract, work order or other documentation supporting the account, plus the identifying information you have for the person responsible for the debt.
Can you report an LLC or corporation?
Business debts and consumer credit reporting are different. Reporting to a consumer bureau requires an eligible natural person who is legally responsible for the account. We review the documentation during onboarding.
What happens if the debtor disputes the account?
We manage the dispute and verification process, including documentation and verification-of-debt responses when applicable.
Do I have to sue the customer?
No. Bureau Reporting is focused on reporting and account administration. Whether a creditor chooses to pursue separate legal action is outside our service.
What happens if the customer eventually pays?
Notify us when an account is paid so the account can be updated appropriately in the reporting process.
Give us the facts.
We'll take it from there.
Have a customer who owes you money? Start by giving us the basic account information and the documentation supporting the debt. We'll review the file before it moves forward.
Your Business
Tell us who performed the work and who we should contact if we need additional information.
- Business or contractor name
- Your name
- Email address
- Phone number
The Customer
Give us as much identifying information as you have about the person or business that owes the money.
- Customer / debtor name
- Address
- Phone and email
- Date of birth, if available
- Other identifying information
The Debt
We need enough information to understand what was owed, when it became due and what remains unpaid.
- Invoice or account number
- Amount currently owed
- Invoice and due dates
- Days past due
- What happened
Supporting Documents
Documentation helps establish the account and gives us the information needed to review the file.
Start with the basics.
Complete the information below. We'll use it to begin reviewing your account.