The Context
In a recovery phase, a credit report functions as a raw data set rather than a moral assessment. It is simply a ledger of historical financial activity.
The Trade-off Matrix
Federal Access
The Trade-off: Comprehensive data for legal disputes, but no user interface or alerts.
Banking Dashboards
The Trade-off: Free and convenient, but often uses "VantageScore" which differs from mortgage lender data.
Next Steps
- → To understand the math behind the score: Read Credit Scoring Fundamentals.
- → Found errors? Use the AI Dispute Assistant.