Credit Scan & Analysis
Your credit data, normalized, analyzed, and scored — across all 3 bureaus.
3-Bureau Normalization
Your credit reports from Equifax, Experian, and TransUnion are parsed into a unified schema. Tradelines, collections, inquiries, public records, and personal information — all standardized so the rules engine can compare across bureaus accurately.
Deterministic Rules Engine
11+ rules in Engine v1 scan every data point. Each rule produces a Finding with severity, confidence score (0–100), allowed actions, evidence requirements, and plain-English dispute angles. Rules detect: status vs balance contradictions, DOFD re-aging, duplicate tradelines, payment history conflicts, collection anomalies, authorized user misclassification, and more.
Confidence Scoring
Not all findings are equal. 90–100 confidence means a direct field contradiction. 70–89 means high likelihood inconsistency. 50–69 means potential issue requiring your review. Below 50 is education only — no dispute recommended. This prevents frivolous disputes.
Immutable Snapshots
Every report pull creates an immutable ReportSnapshot with a tamper-integrity hash. You build version history over time. The SnapshotDiff engine compares snapshots to detect changes — the foundation for outcome tracking.
Cross-Bureau Comparison
The same account can report differently across bureaus. Our engine detects discrepancies: different balances, different dates, different statuses. These cross-bureau mismatches are often the highest-confidence findings.
See Credit Scan & Analysis in action
Start with a free credit scan and experience the platform yourself.
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