Minimum for a supported finding
Every supported finding identifies the reported line and source locator, the comparison evidence and source locator, the plain-language mismatch, the rule that may apply, the disposition, the evidence list, and the artifact SHA-256.
A difference is not enough by itself. The source, comparison, rule, and receipt stay together so a reader can inspect why the item earned review.
Disposition rules
Supported
The line, comparison record, reason, citation, and receipt are all present.
Held
Evidence is missing, ambiguous, low-confidence, or does not resolve a required boundary. Held cannot support an account-specific finding.
Clean
The tested rule found no supported mismatch in the supplied materials. Clean is a valid audit outcome.
Excluded claim
The method does not predict deletion, score movement, approval, response, loan terms, or timing.
Evidence and held-state boundary
- Failed or low-confidence pages cannot support findings.
- Ambiguous tradeline candidates are held.
- Month-only dates that straddle a required boundary are held until day-level evidence resolves it.
- The method does not manufacture missing facts or convert uncertainty into paid urgency.
- A finding is evidence screening, not legal advice or authorization for external action.
Known limitations at v0.1
Real bureau uploads are not open. The current public example is Case Zero, the founder's own file. Supported production formats and ingestion remain separately gated. The public method describes the finding standard; it is not a claim that a real consumer audit can run today.
Changelog
| Version | Effective date | Change | Receipt |
|---|---|---|---|
| v0.1 | 2026-08-01 | Opened the public registry with supported, held, and clean states; evidence minimum; known limitations; and append-only version policy. | fda26b35…a93fa |
Change policy
A later method gets a new version and artifact hash. If a method or public explanation is wrong, the affected version is named in the corrections ledger. History is not silently rewritten.