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We Are A Startup With Decades of Credit Reporting Experience.

“Our credit reporting service provides accurate and comprehensive credit information to help consumers and businesses make informed financial decisions and maintain their financial well-being.”

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“Empowering your finances, reducing late payments.”

Why choose edge credit reporting

Building a Solid Financial Foundation for Your Business

Cash flow is a major factor in your business success. Reporting consumer payment information to the credit bureaus is a cornerstone to a sound financial footing. Credit reporting helps to promote responsible payment behavior and reduce the risk of delinquent payments. Our service promotes:

  • Financial Stability
  • Increased Cash Flow
  • Risk Management
  • Timely Payments
  • Improved Credit Score
  • Lower Interest Rates

It’s a win-win for your business…and your customers.

Our Edgy Services

What Can We Do For You

Do you remember where you were in 2001? We do. We were reporting payment data to the credit bureaus. If you have consumer payment information you’d like to report, we would love to help.

Personal Credit

By using a credit reporting service to monitor and report personal credit information, a business can make informed decisions about…

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Commercial Credit

A business can make informed decisions about extending credit to other businesses and assess the creditworthiness of vendors simply by…

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Auto Loans

By reporting auto loan information to the credit bureaus, an auto dealer, large or small, can establish and improve their reputation as a…

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Student Loans

A lender reporting student loan information to the credit bureaus can reduce risk and improve loan performance while improving their…

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Rental Payments

A property management company can easily reduce delinquencies and improve resident retention simply by reporting rental payments to the…

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Evictions/Collections

Reporting collections and evictions information to the credit bureaus can reduce risk, improve cash flow, and cut down on late payments…

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Edgy Testimonials

What Our Clients Say About Us

They say the proof is in the pudding. What proof? And who is “they”? We don’t get it. Here’s what we do get, our clients like to humble brag about us…

I knew I had a problem with late payments. Blame the economy, blame life events, heck, blame bad decisions. Working with Edge Credit helped turn my cashflow around.

Michael Johnson

Business Owner

I cater to a clientele who understand a lot about credit and finance. They were delighted when I was able to add credit reporting to their amenities and provide a boost to their credit scores.

Emily Smith

Property Manager

Adding Edge Credit was one of the best things I did this year. My in-house financing is a more credible option now, I’ve reduced my A/R by 50%, and I spend less time chasing down late payments

Ashley Brown

Finance Manager

Our Edgy Blog

Latest Blog & Articles

  • How Should Prepaid Credit Cards and Gift Cards Be Reported?

    How Should Prepaid Credit Cards and Gift Cards Be Reported?

    Prepaid credit cards and gift cards are not considered traditional lines of credit and, in most cases, should not be reported to consumer reporting agencies (CRAs). Unlike credit cards or installment loans, prepaid products do not involve borrowing and therefore don’t impact a consumer’s credit history in the same way. Let’s break down why this…

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  • How Long Should Paid Accounts (Account Status Codes 13, 61–65) Continue to Be Reported?

    How Long Should Paid Accounts (Account Status Codes 13, 61–65) Continue to Be Reported?

    Paid accounts are closed trade lines that have been fully settled and no longer carry an outstanding balance. While the financial obligation has ended, reporting them correctly—and for the appropriate amount of time—is essential for accurate consumer credit history and FCRA compliance. Understanding Account Status Codes 13, 61–65 Each of these codes designates a specific…

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  • How Should a Closed Account Be Reported That Has an Outstanding Balance?

    How Should a Closed Account Be Reported That Has an Outstanding Balance?

    An account that is closed but still carries a balance is considered an active financial obligation, even though no further transactions (like new charges) can be made. This situation is common with closed revolving accounts (like credit cards) or installment loans that were closed for new borrowing but remain in repayment. Accurate and consistent reporting…

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