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What happens next

Four steps from report to finding.

Member uploads open at launch. Until then, this page shows the exact process and what you can do today: collect a complete set of reports and the records that support what they should say.

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  1. 01

    Bring your reports

    At launch, the member area will accept the report files themselves. You will not paste, retype, or rebuild the report by hand.

    Today: save the report files you want compared.

  2. 02

    Add the records that show what should be true

    Supporting records stay attached to the issue they support. The audit does not ask you to enter information the file already contains.

    Today: gather the relevant statements, court records, or correspondence.

  3. 03

    Review document-backed differences

    A difference is not presented as a finding unless the evidence and the reason for review are shown together.

    At launch: inspect each finding before deciding what to do.

  4. 04

    Choose the next action

    The result separates a bureau dispute, a complaint escalation, and an issue that needs an attorney's judgment.

    See how the 30-day clocks work

Start where you are

The process changes context, not the proof standard.

After bankruptcy

Start with all reports plus the court record and account records that show how each line should read. The audit keeps the bureau line and supporting record side by side.

You decide whether the result belongs in a dispute, a complaint, or a conversation with an attorney.

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Considering bankruptcy

Start with an accurate picture of the report you have now and the documents behind it. The audit can organize reporting facts; it does not make the legal decision for you.

Questions about whether to file belong with a qualified bankruptcy attorney.

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Cleaning up errors

Start with the report line you question and the document that shows the mismatch. The audit tests whether the evidence supports a finding instead of promising a result.

You see the basis first, then choose the action.

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Uploads open at launch

Know the process now. Bring the files when the member area opens.

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