Furnisher Data Accuracy, Prioritized by Real Dispute Outcomes
Credit bureaus report what furnishers send them. Revelar scores the tradelines on the credit reports you pull and shows which ones are most likely to hold a material error, so your review team checks the accounts that matter first.
Where accuracy programs need help
Regulation V requires furnishers to keep written policies and procedures for the accuracy and integrity of the data they report, and to investigate disputes. Most programs rely on sample testing, reconciliation and dispute tracking. A sample only reaches a slice of the portfolio, and a dispute only shows an error after a consumer finds it.
Revelar adds a signal you can act on before that. Built on more than 30 million dispute outcomes across Equifax, Experian and TransUnion, it returns a probability that each tradeline on the credit reports you pull holds a material error. Reports on your own customers include the accounts you furnish, as the bureau shows them, so your team can aim reviews, reconciliation and root-cause work at the accounts most worth checking.
It does not change what you report or decide anything for you. It flags possible errors so your people can confirm and correct them. For the rules furnishers follow, read our guide to furnisher data accuracy and Regulation V.
Who it is for
Most lenders are also furnishers. The data you send deserves the same review as the data you underwrite on.
Fintechs and digital lenders
Fintech and BNPL lenders that report to the bureaus carry the same accuracy and integrity duties.
Banks and credit unions
Check the bureau data you lend on, including how your own accounts appear at the bureau.
Credit bureaus
Catching errors before they generate disputes reduces the burden on bureaus and furnishers alike.
Financial service providers
Servicers and partners that furnish data can focus reviews where errors are most likely.
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 the reports you pull
Revelar returns the probability that each tradeline on the credit reports you pull holds a material error, based on how similar items resolved in real disputes.
Prioritize the review
Send the highest-probability accounts to your accuracy team first, alongside your sample tests and reconciliation.
Correct at the source
Fix what is wrong, update every bureau you reported to, and track root causes so the same error stops repeating.
Case study: Best Egg
Errors found at portfolio scale
- 20M+historical credit reports scanned
- <3 mintotal scan time
- 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.
Read the Case StudyFrequently Asked Questions
What is furnisher data accuracy?
Furnisher data accuracy is the quality of the account information a lender, servicer or collector sends to the credit bureaus. A bureau can only report what a furnisher gives it, so many credit report errors start there.
How does Revelar help a data furnisher?
Revelar scores the tradelines on the credit reports you pull and returns a probability that each one holds a material error. That points your review team at the accounts most worth checking, instead of relying on random samples alone.
Does Revelar scan our Metro 2 file?
No. Revelar scores the tradelines on the bureau credit reports you pull, so it sees your accounts as the bureau reports them. Compare that view with your system of record and your outbound file as part of your reconciliation.
Does Revelar replace our accuracy and integrity policies?
No. Regulation V still requires written policies and procedures, and your team still investigates and corrects. Revelar is a signal that helps you decide where to look first.
Can finding errors early reduce disputes?
Catching errors before they generate disputes reduces the compliance burden on bureaus and furnishers alike. Results depend on how quickly your team confirms and corrects the accounts Revelar flags.
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.
Ready to See What's Hidden in Your Data?
Book a discovery call and see how Revelar uncovers the opportunities already inside your existing credit files.