Important: Biz-Pilot is NOT a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. We do not offer to improve or remove negative credit information. We provide a legitimate tradeline reporting service for business credit building.
1. Nature of the Service
Biz-Pilot's Credit Builder service establishes Net 30 vendor tradeline accounts for your registered business. When you make timely payments on these accounts, Witcrafters Inc reports your payment history as a data furnisher to the following business credit bureaus:
- Dun & Bradstreet (D&B) — including Paydex Score reporting
- Experian Business — including Intelliscore reporting
- Equifax Business — including Payment Index reporting
The purpose of this service is to help establish or grow a verifiable business credit profile by creating a positive payment history with recognized credit data furnishers.
2. No Guaranteed Outcomes
Results will vary. Witcrafters Inc makes no representation, warranty, or guarantee that use of Biz-Pilot will result in a specific credit score, Paydex score, credit limit approval, loan approval, or any other particular credit outcome.
Credit scores and profiles are determined by each bureau's proprietary algorithms and depend on many factors including, but not limited to:
- Your existing business and personal credit history
- Number and age of existing tradelines
- Payment timeliness on all accounts (not just Biz-Pilot)
- Bureau data processing timelines (typically 30–90 days per reporting cycle)
- Lender-specific underwriting criteria
- Business age, revenue, and industry classification
3. How Tradeline Reporting Works
- Upon enrollment, we create Net 30 tradeline accounts in your business name with Witcrafters Inc as the creditor of record.
- Each monthly subscription payment is recorded and reported as an on-time payment.
- Reports are submitted to bureaus on a monthly reporting cycle. It may take 30 to 90 days from your first payment for tradelines to appear on your credit profile.
- Late or missed payments will also be reported in accordance with bureau furnisher agreements.
- Cancellation of your subscription will result in the tradeline being reported as closed. Closed accounts may remain on your credit profile per bureau retention policies.
4. FCRA — Your Rights as a Consumer
As a data furnisher under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., Witcrafters Inc is obligated to:
- Report accurate and complete payment information
- Investigate disputes within 30 days of receipt
- Correct or delete inaccurate information discovered through investigation
- Maintain written policies and procedures regarding accuracy
Your Rights Under FCRA
- You have the right to dispute inaccurate or incomplete information in your credit file
- You have the right to know what is in your credit file
- You have the right to seek damages from violators
- You have the right to a free credit report from each major bureau annually via AnnualCreditReport.com
5. Dispute Process
If you believe Witcrafters Inc has reported inaccurate information to any credit bureau:
- Email [email protected] with subject line: "FCRA Dispute"
- Include your full business name, EIN, the specific disputed item, and any supporting documentation
- We will acknowledge receipt within 5 business days
- We will complete our investigation and respond within 30 days (or 45 days if you provide additional information)
- If the dispute is valid, we will correct or delete the information and notify the relevant credit bureaus
6. SSN & EIN Data Use
We collect your Social Security Number (SSN) and/or Employer Identification Number (EIN) solely for the following purposes:
- Business identity verification (KYB — Know Your Business)
- Establishing tradeline accounts in your business name with credit bureaus
- Complying with anti-money laundering (AML) and Bank Secrecy Act (BSA) obligations
- Fraud prevention
We do not use SSN/EIN data for marketing purposes and do not sell this information to third parties. This data is encrypted at rest and in transit.
7. Not a Credit Repair Organization
Witcrafters Inc does NOT:
- Claim the ability to remove or modify negative information from your credit report
- Dispute legitimate negative items on your behalf
- Guarantee credit score improvements
- Advise you to make false statements to credit bureaus
- Charge advance fees for credit repair services (as prohibited by CROA)
8. State Disclaimer
This service is operated from the State of Florida and is intended for U.S. businesses only. Credit building outcomes may vary by state, business type, and industry. This disclosure does not constitute legal or financial advice. We recommend consulting with a licensed financial advisor regarding your specific credit needs.