Client Overview

Tri-bureau snapshot for {{client.name}} as of {{client.pull_date}}. {{summary.spread_pts}}-point score spread. {{summary.charge_offs_count}} active charge-offs. {{counts.errors}} detected errors.

Middle Score

{{kpis.middle_bureau}} · {{kpis.middle_band}} band

Past Due

${{kpis.past_due_total}}

{{kpis.past_due_count}} active charge-offs

Peak Util

{{kpis.peak_util_pct}}%

{{kpis.peak_util_creditor}} · active card

Detected Errors

{{counts.errors_p1}} critical · {{counts.errors_p2}} warning

Dispute ready

Score Snapshot

{{open}}Open

{{coll}}Coll

{{late}}Late

Critical Finding

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Top {{top_impact_items_count}} Highest-Impact Items

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Score Breakdown

All FICO model variants reporting against the Experian data file. Industry-specific scores diverge significantly from the base FICO 8.

Primary · FICO 8

Industry-Specific · Experian Data File

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Personal Information

DOB and core identity verified. Addresses, employers, and fraud alert propagation diverge across bureaus — each gap is a dispute.

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Open Accounts

{{open_accounts.length}} tradelines currently open across bureaus.

	Creditor	Type	Limit	Balance	Util	EQ	EX	TU	Impact
	{{creditor}}{{#sub}}{{sub}}{{/sub}}	{{type}}	{{limit_display}}	{{balance_display}}	{{util_display}}	{{eq_mark}}	{{ex_mark}}	{{tu_mark}}	{{impact_display}}

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Derogatory Accounts

{{derogatory_accounts.length}} line items doing the most damage. Ranked by impact score.

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Collection Accounts

{{collections.length}} collections across bureaus.

	Agency	Original Creditor	Amount	Opened	EQ	EX	TU	Impact	Note
	{{agency}}	{{original_creditor}}	${{amount}}	{{opened}}	{{eq_mark}}	{{ex_mark}}	{{tu_mark}}	{{impact_display}}	{{note}}

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Hard Inquiries

{{inquiries.length}} unique pulls across the last 24 months.

	Inquirer	Date	EQ	EX	TU	Impact
	{{inquirer}}	{{date}}	{{eq_mark}}	{{ex_mark}}	{{tu_mark}}	{{impact_display}}

Auto-Detected Errors

{{counts.errors}} errors identified. {{counts.errors_p1}} critical · {{counts.errors_p2}} warning · {{counts.errors_p3}} minor. Each is dispute-ready with creditor, bureaus affected, and FCRA section cited.

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Priority Work Order

{{counts.work_items}} actions sequenced for maximum score velocity. Phase I = highest return for lowest effort.

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{{points}}{{points_label}}

Path & Runway

Current designation and the engineered route to fundable.

● Path {{path.code}} · {{path.label}}

Where {{client.first_name}} stands today

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Graduation Target

{{month}}

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