What is a forensic credit audit?

An automated statutory analysis of your credit file that detects FCRA, FDCPA and provincial violations, with cryptographic certification making the findings admissible in court.

How is Credit Truth different from a dispute service?

We do not dispute your score — we audit the data it was built on. Each anomaly is mapped to a specific statute, confidence-scored, and sealed with SHA-3 triple lock so the evidence is court-admissible.

What is SHA-3 Triple Lock certification?

Each report is hashed under SHA-256 + SHA-512 + SHA3-512 (NIST FIPS 202) with a Merkle chain over all findings, producing an irrefutable cryptographic seal.

Is the report admissible in US federal court?

Yes. Reports follow FRCP exhibit format with full statutory citations (15 U.S.C. §1681 et seq.), cryptographic authentication and chain-of-custody logs.

Does Credit Truth cover Québec and Canadian law?

Yes. We map violations against C.c.Q. (prescription), LPC (loi sur la protection du consommateur), Loi 25 and LPRPDE / PIPEDA.

What statutory damages apply to FCRA violations?

$100 to $1,000 per willful violation under 15 U.S.C. §1681n, plus unlimited punitive damages for reckless disregard (Safeco v. Burr standard).

Certified Forensic Intelligence · SHA-3 · NIST FIPS 202

Your credit report
probably contains errors.

We prove it. Cryptographically.

The only platform combining AI forensic detection, Merkle Chain and SHA-3 certification to expose credit anomalies — with reports admissible in any court.

Analyze My Report — $99 USD The Certification Authority →

◆FCRA §1681c — 7-YEAR LIMIT◆POST-BANKRUPTCY DEBT◆RE-AGING DETECTED◆UNAUTHORIZED INQUIRY §1681b◆PRESCRIPTION C.c.Q. ART. 2925◆LOI 25 QUÉBEC◆LPRPDE PIPEDA◆SHA-3 TRIPLE LOCK◆COURT ADMISSIBLE◆TRANSUNION $23M 2025◆EQUIFAX $45M 2011◆MERKLE CHAIN · IMMUTABLE◆NIST FIPS 202◆FCRA §1681c — 7-YEAR LIMIT◆POST-BANKRUPTCY DEBT◆RE-AGING DETECTED◆UNAUTHORIZED INQUIRY §1681b◆PRESCRIPTION C.c.Q. ART. 2925◆LOI 25 QUÉBEC◆LPRPDE PIPEDA◆SHA-3 TRIPLE LOCK◆COURT ADMISSIBLE◆TRANSUNION $23M 2025◆EQUIFAX $45M 2011◆MERKLE CHAIN · IMMUTABLE◆NIST FIPS 202

of credit files contain errors

· FTC USA

per FCRA violation · statutory

15 U.S.C. §1681n

Canadians affected · unregulated

· Statistics Canada

0×

RICO damages · willful pattern

18 U.S.C. §1962

47 ANALYSIS VECTORS

We detect what they hide.

Obsolete 7yr §1681c(a)

Post-Bankruptcy Debt

Re-aging DOFD

Failure to Investigate §1681i

Reinsertion w/o Notice

Unauthorized Inquiry §1681b

Prescription 3 ans C.c.Q.

Surplus Injustifié LPC 227

Investigation Timeout 30d

No Dispute Notation

Double Reporting

Duplicate Tradeline

Settled Balance Non-Zero

Closed Account Shown Open

FDCPA False Representation

FDCPA Contact After Cease

Mixed File Identity

Wrong Credit Limit

Charge-Off Manipulation

Furnisher Failed to Correct

RICO Pattern Systémique

Incorrect DOFD §1681c(c)

Bankruptcy 10yr Ch.7

Non-Respect Suppression QC

FORENSIC PIPELINE

60 seconds. Court-admissible report.

Upload

AES-256 encrypted · Zero retention

AI Extract

Forensic parsing · All tradelines & inquiries

47 Vectors

FCRA · FDCPA · RICO · C.c.Q. · Loi 25

Qualify

Statute mapping · Damage calculation

Merkle

Immutable chain · Each anomaly hashed

SHA-3 Lock

Triple Lock · NIST FIPS 202 · Military grade

PDF Report

Court format · Exhibit-ready · Admissible

THE SETTLEMENT PREDICTOR

A credit report is not a document.
It is a liability assessment.

Every report processed by Credit Truth generates a real-time statutory exposure calculation — mapped to exact statutes, confidence-scored, certified.

See The Certification Authority →

Live Infrastructure Audit

AUTH_MODE: SOVEREIGN_V5

Potential Statutory Damages

$0USD

Irrefutable Violations

04 98.8% CONF.

Certification

SHA-3 NIST FIPS 202

Willful (Punitive)

05 VIOLATIONS

Jurisdiction

US FED 15 U.S.C. §1681n

POST_BANKRUPTCY_DEBT

§1681c(a)(1)99.2%$1,000

INVESTIGATION_EXCEEDED_30D

§1681i(a)(1)98%$1,000

UNAUTHORIZED_HARD_INQUIRY

§1681b99%$1,000

OBSOLETE_NEGATIVE_7YR

§1681c(a)99%$1,000

REAGING_DOFD_MANIP.

§1681c(c)87%$1,000

DUPLICATE_TRADELINE

§1681e(b)93%$800

SETTLED_BALANCE_NON_ZERO

§1681e(b)95%$700

Certified · Court-Admissible

Triple Lock SHA-3

A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·A6B2·FIPS202·SHA3-512·CERTIFIED·IRREFUTABLE·NIST·MERKLE·SOVEREIGN·

LEGAL PRECEDENTS

The bureaus paid.
Hundreds of millions.

Equifax · TransUnion · Experian

Post-bankruptcy debt maintenance — 750,000 consumers

Lieff Cabraser · FCRA · 2011

SETTLED

TransUnion LLC

Systematic refusal to investigate disputes — §1681i

ClassAction.org · April 2025

SETTLED

TransUnion v. Ramirez

8,000 consumers mislabeled as terrorists — OFAC mismatch

SCOTUS · 2021

SCOTUS

CERTIFICATION

Evidence that holds in any court.

SHA-256

Consumer

$99

→47 detection vectors
→Court-admissible PDF
→QR verification
→Statutory damages map

Get Report

Dual Lock · SHA-256/512

Forensic

$249

→Everything in Consumer
→SHA-512 Dual Lock
→Full statute citations
→Willful analysis

Get Report

Triple Lock · SHA-3

Legal

$499

→Everything in Forensic
→Merkle Chain
→Safeco v. Burr analysis
→Court exhibit format

Get Report

Triple Lock · SHA-3

B2B / Class Action

From $799/mo

→Unlimited reports
→White-label
→Batch 5,000+ files
→Rule 23 FRCP checklist

See Plans

The bureaus count on
your ignorance.

Every day you wait, they collect.

Analyze Now →Founder Access →

Your credit reportprobably contains errors.

We detect what they hide.

60 seconds. Court-admissible report.

A credit report is not a document.It is a liability assessment.

The bureaus paid.Hundreds of millions.

Evidence that holds in any court.

The bureaus count onyour ignorance.

Your credit report
probably contains errors.

A credit report is not a document.
It is a liability assessment.

The bureaus paid.
Hundreds of millions.

The bureaus count on
your ignorance.