Your file read line by line, every month, against what the law actually requires.
A consumer rights education platform. We show working adults how to audit their own credit files using federal law, instead of paying an agency.
The bureaus process data through automated systems like e-OSCAR. Mistakes happen.
We teach you how bureau dispute processing works. We cover your rights under the Fair Credit Reporting Act. We show you how to spot clerical errors, mixed files, and duplicate accounts.
You have a right to a file that is accurate.
When a data furnisher reports something about you, the law sets rules on how they do it.
When a debt collector contacts you, the law limits what they can say.
To use those rules, you have to know what they are. You have to know how to read the letters the bureaus send. You have to understand how utilisation and account age are calculated.
Most people hire a company to do this for them.
We built The Ledger File to teach you how to do it yourself.
If you want us to review your file with you, we offer a monthly Credit Audit. We look at the paperwork. We explain what the data means.
“What do you actually do?”
We are a consumer rights education platform. We teach you how the system works. We do not make promises about outcomes.
“Do I have to pay you before you do the work?”
No. The Credit Audit is one hundred dollars a month, and you only pay after each month's work is delivered.
The Ledger File. Consumer rights education for working adults.