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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 Settled Debts Be Reported to Credit Bureaus?

    Answer: When a consumer settles a debt, they reach an agreement with the creditor to pay less than the full amount owed. This process is often used by consumers facing financial hardship who cannot repay the entire debt. Properly reporting settled debts is crucial to maintain compliance with the Fair Credit Reporting Act (FCRA) and…

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  • What Is the Purpose of Special Comment Codes, and How Do They Interact with Account Status Codes?

    Answer: Special Comment Codes are an important component of credit reporting that provide additional context or information about an account beyond what is conveyed by Account Status Codes alone. When used properly, Special Comment Codes ensure that the details of an account are accurately represented, providing a more complete picture of a consumer’s financial situation.…

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  • How Is the ECOA Code ‘T’ (Association with Account Terminated) Used?

    Answer: The Equal Credit Opportunity Act (ECOA) Code ‘T’ is used to indicate that a consumer’s association with an account has been terminated. This code plays an important role in credit reporting as it helps to clearly define a consumer’s status with respect to a particular account. Properly using ECOA Code ‘T’ is essential for…

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