Lenders pay. You own the file.

1Origin is not a better score. It is the trust layer beneath the score: it records where every fact came from, shows you exactly what a lender sees, and holds furnishers to their burden of proof.

Consumer, government, enterprise Open a synthetic file

§609 fileProvenance constructorMedical held out

Four things that fall out of one decision

Provenance is not a policy. It is a constructor.

You see everything we see

The consumer view is the file. FCRA §609, implemented as a type rather than a checklist. A lender receives a filtered disclosure of the same projection.

A score is the sum of its reasons

There is no constructor that takes a number without the breakdown. Adverse action is explainable because an unexplained score cannot be expressed.

Medical debt never reaches a score

Classification is derived from the payload. A hospital bill arriving through the ordinary tradeline path is still medical. You can see it. No lender can. No model can.

Portals

Onboard as the person who holds the file, the body that writes the law, or the firm that furnishes or pulls.

§609 file

Consumers

See the file, grant consent, confirm a dispute. Blocked pulls land on your chain.

Open the consumer portal

Regulator ingress

Government

Onboard a body. Sign a constrained filing. Origin does not scrape legislatures.

Open the government portal

Furnishers and lenders

Enterprise

Purpose lock, freeze, decision receipt. File keys are for development only.

Open the enterprise portal

Who this is for

The people legacy bureaus serve worst.

Renters with no tradelines. Teachers who borrowed $300k to earn $35k and then cannot buy a house because the degree looks like a fatal DTI. People who arrive with three bureau files and need the patterns flagged, not a relabeled FICO. Gig workers whose average earnings hide the month that mattered. Reliable payers whose only mark is medical. People who paid off a loan and were punished for it.

Meet the five files Walk the inquiry-defense story