CRIS

Credit Report Intelligence System

A complete ACDV dispute investigation workspace — payment history, Metro 2 data, and response drafting brought into one centralized workflow.

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The Vision

The flagship investigation workspace.

When an ACDV lands in eOscar, CRIS is designed to pull the account's verified Metro 2 record — including a PHP-IS-corrected payment history — and help build a complete, FCRA § 623-aligned response without switching between four different systems.

Automatic identification of all consumers on an account, including J2 co-borrowers
eOscar dispute code selection with FCRA § 623 furnisher guidance
Response drafting built from verified, M2IS-validated Metro 2 data
Designed to sit alongside eOscar on one screen — no second monitor required

Consumers on Account

Primary + J2 co-borrower identified automatically.

eOscar Dispute Code

Guidance surfaced for the selected ACDV code.

Response Draft

Built from verified Metro 2 source fields, ready to submit.

Future Release

CRIS follows PHP-IS and M2IS.

Because CRIS depends on the accurate data that PHP-IS and M2IS produce, it's the last piece of the suite to launch — built once its inputs are already trustworthy.

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