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Reporting Policy

Reporting Policy

Last Updated: October 14, 2025

Granvia Group LLC (“we,” “us,” or “our”) is dedicated to providing educational content and supporting our members’ financial literacy. As part of our commitment to transparency, this Reporting Policy outlines our planned approach to an optional payment-history reporting feature. Please note that this feature is not currently available. If implemented in the future, it will be entirely optional, require explicit user opt-in, and be subject to eligibility verification. We aim to comply fully with applicable laws, including the Fair Credit Reporting Act (FCRA), to ensure fair and accurate reporting practices.

Overview

This policy describes how we may report payment history related to membership fees or other eligible payments to credit bureaus if the feature is launched. Reporting would help eligible members build their credit history by sharing both positive (on-time) and negative (missed) payment information. However, we make no guarantees about the impact on your credit score, as this depends on various factors controlled by credit bureaus and lenders. Participation would be voluntary, and you can opt out at any time after opting in.

Availability and Eligibility

The payment-history reporting feature is not active at this time. If we decide to launch it, we will notify users through our website, email, or other communications. To participate:

  • You must explicitly opt in via a clear consent process, such as a checkbox or form submission.
  • We will verify your eligibility, which may include confirming your identity, payment history with us, and compliance with FCRA requirements.
  • Only payments made after opt-in and feature activation would be eligible for reporting.
  • If you are not eligible or choose not to participate, your experience with our educational services will remain unchanged.

How Reporting Would Work

If launched, reporting would occur as follows:

  • Frequency: We would report payment information monthly to the major credit bureaus (Equifax, Experian, and TransUnion), typically within 30 days after the end of each billing cycle.
  • Bureaus Involved: Reports would be sent to Equifax, Experian, and TransUnion, the three primary consumer reporting agencies in the United States.
  • Process: We would furnish data directly to the bureaus or through a certified data furnisher. This includes details like payment amount, due date, and status (e.g., paid on time or late).
  • Opt-Out: You could withdraw consent at any time by contacting us, and we would stop reporting future payments promptly. However, previously reported information would remain on your credit file subject to FCRA retention rules.

We would not report any payments retroactively from before the feature’s launch or your opt-in date.

What Would Be Reported

If the feature is implemented and you opt in:

  • Both on-time payments and missed or late payments would be reported accurately and impartially.
  • Reported data may include account status, payment history, balances, and dates of activity.
  • We would not report non-payment-related information, such as your course progress or educational interactions.

Remember, reporting both positive and negative information promotes transparency but could affect your credit profile. We encourage you to review your credit reports regularly from annualcreditreport.com.

Compliance with the Fair Credit Reporting Act (FCRA)

We are committed to full compliance with the FCRA and other relevant laws. This includes:

  • Ensuring the accuracy of reported information.
  • Providing notice if we take adverse action based on a consumer report (though this is not applicable to our educational services).
  • Allowing you to dispute any inaccuracies in reported data.
  • Maintaining procedures to investigate and correct errors promptly, typically within 30 days of a dispute.

For a summary of your FCRA rights, please refer to our Your FCRA Rights page.

Dispute Process

If you believe any reported information is inaccurate or incomplete:

  • Contact us in writing at the address below, providing details of the dispute, supporting documentation, and your contact information.
  • We will investigate and, if necessary, correct or delete the information with the credit bureaus.
  • You can also dispute directly with the credit bureaus (Equifax, Experian, TransUnion) as per FCRA guidelines.

We aim to resolve disputes efficiently and will notify you of the outcome.

Changes to This Policy

We may update this Reporting Policy from time to time, particularly if the feature is launched or modified. Changes will be posted here with the updated date. We recommend reviewing this page periodically.

Contact Us

If you have questions about this Reporting Policy or the planned payment-history reporting feature, please contact us at:

Granvia Group LLC
8200 Beckett Park Dr, Suite 111
West Chester, OH 45069
Local: (513) 701-8645
Toll-Free: (800) 228-6401
Email: info@granviagroupllc.com

This Reporting Policy is for informational purposes and does not create any contractual or legal rights. It describes planned features that are subject to change. Consult legal counsel or financial advisors for personalized advice regarding credit reporting.