Most monitoring tells you your score changed and leaves you to work out why. HazeScore watches the whole file — your score at each bureau, every account and balance, inquiries, derogatory marks and public records — on a schedule you do not have to remember. When one of them moves, the alert names the bureau and what moved, and for a score or a balance, the number on each side of the change.
- Field
- derogatory accounts
- Was
- 0
- Now
- 1
- Graded
- critical
Illustration of the record a pull produces. Not a customer file.
HazeScore is not open to the public yet. The pipeline described on this page is built and tested, but it needs a contracted bureau data source before it can pull a real file, and that agreement is not signed. We are not taking subscriptions until it is.
Ask to be told when it opens and we will email you once — request early access.
This is the pipeline as it is built, and none of it runs until we have a contracted bureau source — see availability. When it does: every field below is read on each pull and stored per bureau, and every change below is one the comparison raises on its own, without a person looking at it.
What a pull reads
- score
- per bureau, kept as a series
- accounts
- everything reporting on the file
- open accounts
- still active
- derogatory accounts
- collections, charge-offs, late marks
- inquiries
- who looked at your file, and when
- public records
- judgments, liens, bankruptcies
- total balance
- across every account reporting
equifax · experian · stored per bureau, never averaged
What the comparison raises
- An account appears that was not there beforenew_accountcritical
- A derogatory mark lands on the filenew_derogatorycritical
- A public record is addednew_public_recordcritical
- Someone new has pulled your filenew_inquirywarning
- Your score moves 20 points or morescore_changewarning
- A balance moves by a quarter or more, and by at least $500balance_changeinfo
- An item drops off the fileitem_removedinfo
severity shown is the highest each change can carry
Most pulls find nothing. That is the product working.
- Field
- derogatory
- Was
- 0
- Now
- 1
- Graded
- critical
Illustration of a pull history. Not a customer file.1 critical2 warning11no change · nothing sent
All nine are built and tested. None of them runs against a real file until we have a contracted bureau source — see availability.
Field-level diff
Not a fresh look at your report each time. Each pull is compared against the previous one and what surfaces is the field that moved, with the value on both sides of it.
bureau · field · before → afterSeverity, before it interrupts you
A new collection and a balance drifting eleven dollars are not the same event. Each change is graded, and only the top two grades reach you outside the digest.
critical · warning · infoThe raw payload is kept
The bureau response is stored exactly as it arrived, before any parser touches it. Every later reading sits beside the original rather than on top of it.
raw retained · parser version recordedSoft inquiries only
Every pull is one you requested about your own file. That is not the kind of inquiry that affects a score, and we do not run any other kind.
no score impactEquifax and Experian, each on its own
Two files, pulled and kept separately, and each compared only against its own previous pull. A change on one bureau is reported as that bureau's change, never blended with the other's.
equifax · experianSilence is a valid result
Most pulls produce no interruption at all. There is no weekly “nothing changed” email, because an alert you learn to ignore is worse than no alert.
11 of 14 pulls sent nothingA score for each bureau, never one number
Equifax and Experian report different things, so they are kept apart and each is held as a series rather than a reading. We will not average them — that figure describes no file, and no lender will ever see it.
per bureau · kept as a seriesYour SSN never reaches our servers
The identity check runs inside our bureau partner's own embedded element, in your browser. Your Social Security number and your knowledge-based answers go to them directly — not through our servers, our logs, or our database.
no ssn stored · no kba answers storedThe record goes back, not just the latest
Every pull's summary and every alert it produced stay on your file. You can read what a balance was four pulls ago, and an alert you have already seen does not disappear when the next one arrives.
snapshots retained · alerts retained
- 01soft inquiry · no score impact
The file is pulled on a schedule
Equifax and Experian, on a cadence you do not have to remember. Every pull is a soft inquiry requested by you about your own file, which is not the kind that affects a score.
- 02raw payload retained · parser version recorded
The payload is stored before anything reads it
The response is kept exactly as it arrived, before any parser touches it. Every later reading is kept beside the original, never on top of it, so a change we report can always be traced back to the bytes it came from.
- 03field-level diff · previous value kept
This pull is compared against the last one
Not a fresh look at your report each time — a diff. Your score, an account, an inquiry, a derogatory mark, a public record, your balance: what is surfaced is what moved and what it moved from.
- 04critical · warning · info
Changes are graded before they are sent
A new collection and a balance drifting by eleven dollars are not the same event and do not deserve the same interruption. Each change gets a severity, and only the top two grades reach you outside the digest.
- 05bureau · field · before → after
What you get told is what changed
The alert names the bureau and what changed. Where the change is a number — a score, a balance, a derogatory mark, a public record — the record behind it keeps the value before and after. No score-drop headline with nothing underneath it, and no alert at all on a pull where nothing moved.
Nobody has used this yet, so there is nothing to quote. Here is what you can check instead.
Every claim on this site, and where it is settled without taking our word for it. When there are real customers, real quotes from them replace this band.
- Your file is free from each bureau every twelve monthsFCRA §1681j
- And currently free every week, onlineannualcreditreport.com
- You can dispute an item yourself, at no costCFPB, credit reports
- A pull you request about your own file is a soft inquirydoes not affect a score
- No score outcome is promised anywhere on this siteread it and hold us to it
- Not open to the public, and not taking subscriptionsstated on every page, not the footer
This category sells with score-boost promises and a dashboard full of numbers that move for no stated reason. Here is what we will not tell you.
We do not promise points
Nobody selling monitoring can tell you what your score will do, because monitoring does not act on the inputs. Any number quoted at you as an expected gain is a sales figure, not a forecast.
We do not replace your free report
The FCRA entitles you to your file from each nationwide bureau every twelve months at no cost. Separately, all three currently give you a free report every week online at annualcreditreport.com. This runs on a schedule and diffs the results. That is a convenience on top of access you already have for nothing.
We do not alert on everything
Told about everything is the same as told about nothing, and alert fatigue is what kills monitoring products. Most pulls produce no interruption at all. That is the product working, not the product idle.
You are already entitled to a free copy of your file.
Under the Fair Credit Reporting Act you can get your report from each nationwide bureau free every twelve months. Beyond that statutory minimum, all three currently offer a free report every week, online, at annualcreditreport.com. You can also dispute anything you believe is inaccurate directly with the bureaus and the companies that reported it, at no cost. HazeScore is a paid convenience on top of access you already have, and we will not pretend otherwise.
FCRA §1681j · free weekly at annualcreditreport.com · soft inquiry