Phase 02 — Credit / FCRA (Print Section)

Purpose

Create a court-usable, regulator-usable, and settlement-ready record showing:

1. inaccurate furnishing by FCFCU,
2. failed reinvestigations (Experian/Equifax/TransUnion),
3. specific opportunities blocked (housing, cards, loans, business credit),
4. month-by-month damages from August through February.

Inputs (Source of Truth)

• D_PHASES/02_credit_fcra/*
• C_VIS/10_violations/CREDIT_BUREAUS/*
• C_VIS/10_violations/FCFCU/* (credit-related)
• B_EVIDENCE credit report PDFs/screenshots + dispute mail/email proof
• A_TIMELINE entries documenting denials and “could not obtain credit” events

Outputs (What This Phase produces)

• Credit Harm Timeline (Aug–Feb)
• Tradeline Accuracy Matrix (FCFCU vs bureau)
• Dispute Packet(s): Furnisher + Bureau disputes
• Damages Ledger: credit_cost + lost_income + lodging/transport knock-ons
• Remedy Demands: deletion, correction, statutory/actual damages narrative

Definition of Done

• Every disputed tradeline has: (a) report snapshot, (b) dispute sent proof, (c) response/verification proof, (d) outcome.
• Every month Aug–Feb has at least one documented “credit harm impact” entry or marked “no event recorded”.
• At least one regulator-ready packet exists (CFPB) and one litigation-ready packet exists (FCRA claim skeleton).

Print Order (for Binder)

1. Phase Overview (this file)
2. Credit Harm Timeline (month-by-month)
3. Tradeline Accuracy Matrix
4. Dispute Log + Proof Index
5. Credit Damages Summary (Aug–Feb)
6. Draft Dispute Packets (bureau + furnisher)