No. Granvia is an education and tools platform. We are not a lender, we do not offer loans or advances, and we are not a credit repair organization.

We do not call creditors on your behalf, dispute items for you, or promise score increases. Instead, we teach you how the system works and give you tools to make your own decisions.

We never guarantee any specific score outcome. What we do is:

• Show you how utilization, payment history, and new accounts typically affect scores.
• Help you build realistic payoff and savings plans around your actual budget.
• Provide checklists and templates you can use when communicating with lenders or bureaus.

Scores are controlled by the bureaus and scoring models—your results will always vary.

Members get access to educational tools such as:

• Budget builder and payoff planners that show how changes affect your cash flow.
• Checklists and templates for documenting payment history and disputes.
• Courses that explain data furnishing, Metro 2® concepts, and how lenders look at risk.

All tools are simulations and education—none of them change your credit report directly.

Our typical consumer members are:

• People rebuilding after life events (collections, late payments, new debt).
• Borrowers who want to understand how lenders read reports before applying.
• Self-starters who prefer a playbook and tools instead of a “done-for-you” service.

Businesses typically work with us in three ways:

• Internal training: Teaching teams how credit data, Metro 2®, and disputes work.
• Program design: Structuring payment, subscription, or credit-builder programs to be “furnishing-ready.”
• Policy & controls: Drafting playbooks and procedures that align with FCRA, Reg V, and Experian expectations.

No. At this time Granvia does not furnish any consumer data to Experian or any other CRA. We are in the education and preparation phase only.

The benefit for your business right now is getting your processes, contracts, and data flows ready so that if reporting becomes available, you are not starting from scratch.

If and when we are approved:

• Participation would be optional and governed by separate written agreements.
• Only eligible programs that meet our underwriting, documentation, and controls standards could be reported.
• All reporting would follow Experian’s policies, Metro 2® guidelines, and our Compliance & Data Practices framework.

Nothing on this site should be read as a guarantee of future reporting approval.

Yes. For qualified businesses, we offer consultative sessions focused on:

• Mapping your current customer journey and payment flows.
• Identifying what data would be needed to support accurate reporting later.
• Outlining policies, procedures, and documentation you’ll eventually need.

To inquire, use the contact form or email the address on our Contact page.

No. Granvia is not a consumer reporting agency and does not currently furnish any data to Experian or other CRAs.

We are building and documenting our compliance framework in advance, which you can review on our Compliance & Data Practices page.

Because Experian and the law expect any future furnisher to have written policies, controls, and training long before the first file is ever sent.

By publishing our framework publicly, we:

• Show consumers and partners exactly how seriously we take accuracy and integrity.
• Give Experian and regulators a transparent view of how we’ll operate if approved.

No. At this time, joining Granvia does not result in any reporting of your payments to Experian, Equifax, or TransUnion.

Any future reporting, if offered, would require explicit opt-in, eligibility checks, and separate disclosures at that time.

Our dispute handling will follow FCRA §623, 12 CFR 1022.42, and Experian’s Data Furnisher Policies & Procedures. That includes:

• Clear consumer dispute channels via mail and email.
• Timely investigations and corrections through Metro 2® updates and e-OSCAR®.
• Documented identity-theft and fraud handling protocols.

Those procedures are described at a high level on our Compliance & Data Practices page.

We currently offer:

• Monthly Excellence: $12 per month, billed monthly until canceled.
• Annual Prestige: $99 per year, billed annually until canceled.

Details are set out in our Member Agreement and Billing & Cancellations pages.

All memberships renew automatically using your saved payment method.

• Cancel anytime from your account portal or by emailing support before your renewal date.
• Access continues through the end of the paid period; we don’t do partial or mid-cycle refunds except where required by law or our Refund Policy.

Your account is closed for active access, but we may retain certain records for legal, accounting, and security purposes, as described in our Privacy Policy.

We do not sell your personal information to third parties.

For account or billing questions, contact us using the form on our website or email the address listed in the Contact section. We typically respond within 1–2 business days.

Key controls include:

• Encrypted connections (HTTPS/TLS) for all web traffic.
• Role-based access internally with least-privilege principles.
• Vendor due-diligence and data-processing agreements for core partners.

Additional details are available on our Security and Compliance & Data Practices pages.

No. We do not sell personal information. Our Privacy Policy explains how we collect, use, and retain data, and your choices around marketing and communication preferences.

Federal law gives you important rights regarding your credit information, including the right to obtain free annual reports, dispute inaccurate information, and place certain alerts or freezes.

We summarize these rights on our Your FCRA Rights page and link to official government resources.

If you believe something on our site or in our materials is inaccurate or misleading, or if you have a complaint about our services, please contact our compliance team using the information listed on the Compliance & Data Practices page.