How the Engine Works.
8 stages. 20+ compliance checks. Every finding anchored to a specific federal statute. No AI hallucinations. No generic templates. Just forensic-grade accuracy.
Ingest
Secure HashSHA-256 intake hash generated. Document encrypted and stored with AES-256. Zero plain-text retention.
Classify
17 Document TypesEngine identifies the document type — credit report, student loan statement, collection notice, medical bill, business credit, tax lien, ChexSystems report, and 10 more.
Route
3 Processing LanesDocuments are routed to the correct analysis lane: Consumer Credit, Student Loan, or Business Credit. Each lane has specialized checks.
Extract
Entity RecognitionEvery account, inquiry, collection, balance, date, and status is extracted. Cross-referenced against the document's own internal data.
Verify
Schema ValidationExtracted entities are validated against strict Pydantic schemas. Malformed data is flagged, not guessed at.
Audit
20+ Compliance ChecksThe core forensic engine. Every finding is checked against FCRA §611, FDCPA §809, Metro 2 §6.4, TILA, RESPA, the No Surprises Act, and more. Deterministic — no AI hallucinations.
Gate
Confidence Circuit BreakerOnly HIGH confidence findings pass the gate. Low and medium confidence results are held for manual review. We never send a weak finding to a consumer.
Settle
Action ReadyStatute-anchored findings are generated with exact law citations, recommended actions, and auto-generated dispute letters ready for USPS Certified Mail.
The Reports You Didn't Know Existed.
Most people know about Equifax, Experian, and TransUnion. But there are hidden systems that control your financial life — and you've never seen them.
SETTLED is the only tool that gives you the keys to audit these “Shadow Reports.”
LexisNexis
Used by: Insurance companies, employers, landlords
Affects your premiums, job prospects, and housing applications. Most people have never seen their LexisNexis file.
ChexSystems
Used by: Banks and credit unions
One negative mark can get you denied for a checking account everywhere. Banks share this data silently.
Early Warning Services
Used by: The big banks (JP Morgan, Bank of America, Wells Fargo, Truist, PNC)
Flags "risky" consumers. Owned by the banks themselves. You've never been told what's in your EWS file.
Disputes, Settled.
See what's hidden in your reports. Run your first forensic scan.
Run Your First Forensic Scan