Synthetic files
Five consumers. Five claims.
Each file is generated behind the same source interface a real payroll or rent adapter will implement, then folded from the Root Ledger. Pick a person.
24 months of on-time rent and utilities, steady wages, no credit file
Maya Alvarez
A renter with no credit tradelines. Legacy bureaus return no hit. Origin can underwrite her.
Open this file
variable platform earnings, thin buffer, one revolving card
Jordan Blake
Platform earnings that vary month to month. An average would hide the variance that matters.
Open this file
reliable payer whose only derogatory item is a medical collection
Priya Shah
A reliable payer whose only derogatory item is medical. It is on her file. It is not in her score.
Open this file
clean history plus an unrecognized account and inquiry
Sam Okonkwo
An unrecognized account and a third-party inquiry. He said they were not his. The furnisher could not prove them. They are off the score, and the chain is on the file.
Open this file
old delinquency, a loan paid in full, and a card closed by the consumer
Elena Voss
An old late, a loan paid in full, a card she closed. Origin does not punish the recovery.
Open this file