FCRA Compliance Support That Starts With Accurate Data
The Fair Credit Reporting Act expects the data behind credit decisions to be accurate, and it expects errors to be investigated and corrected. Revelar helps lenders and furnishers find likely errors early, before they turn into disputes, exam findings or decisions made on bad data.
Accurate data is the first line of defense
Every error that reaches a consumer comes back as a dispute that staff must investigate, document and close. Examiners review furnishing practices, and the CFPB has said there are no technology exceptions to consumer financial protection laws.
Revelar is built entirely on regulated, bureau-sourced data: more than 30 million dispute outcomes across Equifax, Experian and TransUnion. It returns a probability that each tradeline holds a material error, so you can find and correct likely errors before they drive a decision or a dispute.
It is built to fit a compliance review. It runs inside your environment with no data movement and no LLMs. It does not use demographic data, and it does not approve, price or decline anyone, so it stays separate from your adverse action process.
Revelar supports your compliance program. It does not replace your policies, your counsel or your obligations under the FCRA.
Who it is for
Compliance, risk and operations teams at organizations that use or furnish credit data.
Fintechs and digital lenders
Keep data inside your own environment, which matters when you operate under FCRA and ECOA.
Banks and credit unions
Reduce disputes and FCRA friction by catching errors before they lead to incorrect denials.
Credit bureaus
Reduce dispute volume and FCRA friction across the data chain.
Financial service providers
Strengthen your FCRA compliance posture with decisions grounded in accurate data.
How it works
Deploy in your environment
Revelar runs in a secure Docker container inside your environment, with no LLMs and no external API calls, so raw credit data never leaves your servers.
Score every tradeline
Revelar returns the probability that each item holds a material error, grounded in real bureau dispute outcomes.
Correct before it costs you
Route likely errors to review, correction and bureau updates before they become disputes.
Keep your records
Log what was flagged, what was checked and what changed in your existing compliance records.
Case study: Best Egg
Compliance value Best Egg could see
- 20M+historical credit reports scanned
- 0data movement
- 3.4Mconsumers with credit report errors
Best Egg, a leading fintech lender, used Revelar to scan more than 20 million historical credit reports in under three minutes, with zero data movement. It found 3.4 million consumers with material credit report errors, and that discovery revealed a nine-figure net-new lending opportunity in its existing database.
Best Egg counted FCRA compliance benefits among the reasons that discovery mattered, alongside re-engagement, lower acquisition costs and lending volume.
Read the Case StudyFrequently Asked Questions
Does Revelar make us FCRA compliant?
No tool can do that on its own. Revelar supports your compliance program by finding likely credit report errors early. Your policies, procedures and counsel still own compliance.
How does Revelar reduce FCRA risk?
Catching errors before they generate disputes reduces the compliance burden on bureaus and furnishers alike, and decisions grounded in accurate data are easier to defend.
Does Revelar use demographic data?
No. Revelar evaluates data accuracy, not people. It is built on regulated, bureau-sourced dispute outcomes.
Does Revelar make credit decisions?
No. It does not approve, price or decline applicants. It flags possible errors, and your underwriting and adverse action process stay the same.
Does our credit data leave our environment?
No. Revelar runs as a container inside your own environment, with no external API calls, so raw credit data never leaves your servers.
Related reading
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