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March 9–13, 2026 — This Week

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Credit report parser

  • Authorized user detection. The parser now only sets is_authorized_user=true when the report explicitly says “Authorized User” or “AU.” Joint, co-signer, and individual accounts are no longer misclassified.
  • Collateral type on revolving accounts. collateral_type=unsecured is now only assigned to installment personal/term loans. Credit lines, LOCs, and HELOCs get None collateral, keeping them out of the Unsecured Loans section.
  • Last Reported date accuracy. Field description clarified to point at the “Last Reported” / “Date Reported” label specifically, reducing misreads.
  • Creditor name extraction. The extraction prompt now uses realistic creditor name examples (SYNCB/AMAZON, BK OF AMER, THD/CBNA) and explicitly tells the parser that abbreviated/slash-delimited names are valid accounts.
  • Fraud alert and security freeze detection. New optional fields has_fraud_alert and has_security_freeze on the entity model. Existing templates are unaffected.
  • Bureau extraction model upgrade. Bureau extraction was running on an older model. Upgraded to match the rest of the parsing pipeline for better accuracy and reliability.

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LOC Scrub template

  • Charge cards in revolving section. Charge accounts (e.g. Amex) were not showing up. The revolving filter now includes both revolving and charge account types.
  • Revolving account classification guard. The unsecured loans filter now rejects revolving accounts as a safeguard against parser mislabeling.
  • Closed revolving accounts with balances. Closed cards that still carry a balance now appear in the Revolving Accounts table, marked with (CLOSED) prefix and red highlight. Paydown columns show the full balance (pay to zero) instead of 25% utilization.
  • Fraud and security freeze alerts. If the credit report contains a fraud alert or security freeze, a red bold warning appears in the header area under the logo.

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Credit Full template

  • AU accounts excluded from DTI by default. Authorized user accounts now default to In DTI? = No, matching the LOC Scrub behavior. The toggle remains editable.
  • Inquiries filtered to last 12 months. The inquiries section now only shows hard pulls from the last 12 months, sorted newest first.

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February 23–27, 2026

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NSF and Overdraft tag split

The combined nsf_overdraft tag has been split into two separate tags: nsf and overdraft.
  • NSF = the payment was rejected. It did not go through. The money never left the account.
  • Overdraft = the payment went through, but pushed the account balance negative. The bank covered it.
Both tags are still deterministic (regex, no LLM), debit-only, and have the same 0.01–0.01–200 amount guard. Both remain in the revenue exclusion set. A transaction like “NSF OD FEE” can match both tags simultaneously. Analytics, metric cards, the bank statements table, and the pivoted deposits view now report NSF and Overdraft as separate columns and metrics. The monthly spreadsheet export has two rows instead of one. Old books that were parsed before this change still have nsf_overdraft in their tag arrays. The backend analytics layer treats legacy nsf_overdraft tags as matching both nsf and overdraft so existing books do not lose their data. The frontend renders the old tag with its original “NSF/Overdraft” label and color. On reparse, the old tag is replaced with the split tags automatically.

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French-Canadian bank support

All five deterministic tagging functions (check, wire, NSF, overdraft, stop payment) now recognize French-language transaction descriptions from Quebec credit unions and Canadian banks. Check patterns:
  • Chèque #740, Chèque, NO.740, Dépôt chèque, Chèque certifié
Wire patterns:
  • Virement entrant (incoming wire), Virement sortant (outgoing wire), Virement électronique (electronic wire), Virement interbancaire (interbank wire)
NSF patterns:
  • Fonds manquants (missing funds), Fonds insuffisants (insufficient funds), Sans provision (without provision), Chèque retourné (returned cheque), Effet retourné (returned item)
Overdraft patterns:
  • Découvert (overdraft), À découvert (overdrawn), Solde négatif (negative balance)
Stop payment patterns:
  • Arrêt de paiement (stop payment), Opposition (European French banking term for stop payment)

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Monthly spreadsheet restructure

The monthly bank statement spreadsheet layout was restructured. The stacking table and offer calculator now flow vertically below the pivoted deposits table instead of being placed side-by-side. Stacking rows are grouped and sorted by loan type. Conditional formatting highlights active vs. inactive positions. NSF and Overdraft are separate rows in the pivoted deposits table.

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File management

New file list view replaces the old files tab. Documents have a dedicated panel component with PDF, CSV, and image viewing, plus a toggle to the parsed transaction sidebar. File uploads, downloads, and document exclusion are handled inline.

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Book page layout

The book page tab bar collapses into a popover on narrow screens. BookInfoBadges supports a compact mode. The document viewer was refactored into a standalone DocumentPanel component. Debt board defaults to expanded view and is responsive on mobile.

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MIME detection

File type detection switched from manual magic-byte checks to libmagic with filename extension as fallback. Fixes misclassification of edge-case file types during document upload and parsing.

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Analytics: payment processor and stop payment metrics

Payment processor totals/counts and stop payment totals/counts are now tracked at the statement and book level alongside existing tag-based metrics (NSF, overdraft, owner transaction, internal transfer, bank fee).

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February 16–20, 2026

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LOC Scrub template rebuild

The Credit Report LOC Scrub spreadsheet template was rewritten from scratch.
  • Each bureau tab has a structured header block with customer info, underwriter, and estimated BLOC summary
  • Delinquencies surface in their own section before the revolving accounts table. Charged off, collection, bankruptcy, and delinquent accounts are separated
  • Revolving accounts table highlights closed accounts in light red and authorized-user accounts in light blue. 50%/25% utilization columns are live Excel formulas
  • DTI panel in columns K-L pulls total monthly debts from the hidden _RawAccounts sheet via SUMIFS. Annual income is a user-input cell; monthly income and DTI ratio calculate automatically
  • Logo positioning fixed with pixel-level offsets so it renders correctly across Excel versions and zoom levels

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February 9–13, 2026

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Open in Google Sheets

Spreadsheets can now be opened directly in Google Sheets. One click uploads the generated workbook to Drive and opens it in a new tab.

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Chat overhaul

Chat UI rebuilt. The input bar supports file attachments and multi-line messages. The message list handles streaming and non-streaming responses more reliably. The chat panel layout was reworked with better status indicators, cleaner thread separation, and improved scroll behavior.

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Funder directory embed

The funder directory can be embedded as a public, token-authenticated iframe. Partners can drop an embed route directly into their own portals.