thought u guys may find this usefull. https://www.directdebtcollections.com/quick/index.html you can report a customer to all 3 credit Bureaus for ten bucks. u guys may not care, but this took me alot of searching to find this cheap. its nice to be able to have that as leverage ... or maybe to include in fine print on bills that you report credit info... why not? just like any other business would. that would prolly prevent late payments quite a bit.. the only people who would not pay, knowing it'll go on their credit are the most complete deadbeats.