If a client brings you a findings summary

Written October 20, 2026

BureauGap is software that reads a person’s three credit reports side by side. A client may bring you a short text summary of what it read. This page says what that summary is, so you can decide how much weight to give it.

What the summary is

• A plain-text page the client copied out of the console themselves. It carries the date it was made and the version of the console that made it.
• Which of the three reports were read, the date each was pulled, and how many accounts each one carried.
• How many accounts the three bureaus state the same way, and how many they state differently. An account that only one bureau carries is counted as that and is not called a disagreement.
• Statements inside a single report that cannot all be true (for example, a balance above the account’s own high balance), as the report prints them, and how many of the console’s checks could run at all.
• The creditor names, amounts and dates the reports print. It contains file content, and the client chose to show it to you.

What it is not

• It is not a copy of a report. Only the client’s own downloaded report is the document.
• It does not say what is accurate. It says what the reports print and where they differ from each other or from themselves. A bureau that prints more fields can show more contradictions, so the counts do not rank the bureaus.
• It does not say who an account belongs to, what is owed, or what should be done.
• It holds no Social Security number and no date of birth. The reader drops both before anything else is built.

What BureauGap asks of you

Nothing. There is no referral code, no fee to you, no listing to sign up for, and no account. Nothing about your client is sent to us: the client’s reports are read in their own browser and are never uploaded. We do not know who has shown you a summary, and we cannot see it.

What BureauGap is

It reads credit reports. It does not provide credit repair or legal advice, and it does not write or send letters for anyone. If your client needs advice, that is for you or for another professional.

The client can try it first on a made-up file. The reader’s own checks are published on a separate page, including the bureau it has not been run on. Reports themselves come from annualcreditreport.com, the federal source.