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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

  • Temporary Payment Relief Reporting in Metro 2®: Payment Holiday vs. Deferment vs. Forbearance

    Temporary Payment Relief Reporting in Metro 2®: Payment Holiday vs. Deferment vs. Forbearance

    What are the available options for reporting an account that has regular payments temporarily postponed? Temporary payment relief has become a high-scrutiny reporting area, especially when consumers enter short-term hardship arrangements. Metro 2® treats “temporary” relief as a short-term schedule change with a defined end date, not a permanent modification. The compliance objective is to…

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  • How to Report Accounts in Dispute or Under Investigation Under Metro 2®

    How to Report Accounts in Dispute or Under Investigation Under Metro 2®

    When an account is under investigation, Metro 2® guidance generally expects furnishers to continue reporting the account, but to add the appropriate legal-compliance indicator so the consumer reporting agencies and data users understand the context. The goal is to preserve accuracy, prevent re-aging or “hiding” of adverse information, and document the dispute status in a…

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  • What to Expect When Onboarding as a Data Furnisher With the Credit Bureaus

    What to Expect When Onboarding as a Data Furnisher With the Credit Bureaus

    As you move forward with onboarding as a data furnisher with one or more of the credit bureaus (or their onboarding partners), you may be asked to provide information and/or agree to some or all of the requirements below. While every program is different, these are common themes that come up during credentialing and go-live.…

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