Adverse Action
Produce compliant adverse action letters with FCRA-required disclosures and delivery tracking.
Letter Pulse
Letters Generated
342
Delivery Rate
96%
Dispute Requests
18
Templates
6
Decline Reasons
- Insufficient credit history 32%
- High utilization 24%
- DTI above policy 19%
- Income unverifiable 12%
Delivery Channels
Distribution
- Email 64%
- Paper mail 28%
- In-app 8%
- Certified mail 2%
Compliance Checklist
Required elements
- Credit bureau disclosure Included
- Score factor details Included
- Consumer rights Included
- Contact info Included
Recent Letters
| Applicant | Reason | Template | Status | Sent |
|---|---|---|---|---|
| #AA-8832 | High utilization | Template A | Delivered | Today 10:42 AM |
| #AA-8821 | Insufficient history | Template B | Delivered | Today 9:18 AM |
| #AA-8813 | DTI above policy | Template C | Pending | Yesterday |
| #AA-8802 | Income unverifiable | Template B | Pending | Yesterday |