Credit Reporting Gate

Live. Check each collection account before furnishing it to the credit bureaus: Reg F passive-reporting rule, FCRA 7-year clock, disputes, identity theft, medical debt and paid/settled updates.

Returns may_furnish, update_existing, wait, do_not_furnish or delete_tradeline per account, with a not_before date, the FCRA purge date (DOFD + 180 days + 7 years), Metro 2 dispute codes (XB, XC, XH) and reasons with citations (12 CFR 1006.30(a), FCRA 605, 605B, 611, 623, FDCPA 1692e(8), 1692g(b)). Medical debt follows the nationwide bureau policy (under $500, paid, 1-year wait) plus state bans in CO, NY, MN and CA. No SSN or date of birth needed. Not legal advice.

Price: $0.002 per record after 1,000 free per month.

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