--- HOW IT WORKS
Understanding AUD
An AUD is how you proactively correct or update information you've already reported to the credit bureaus — before anyone disputes it.
AUD stands for Automated Universal Data.
--- OVERVIEW
How an AUD moves, step by step
Unlike an ACDV, nothing triggers this from the bureau's side. You spot something that needs correcting and push it out yourself.
1
You spot a correction
No dispute, no bureau request — you find something in your own records that needs updating or deleting.
2
Build & validate the AUD
Enter the corrected account data and check it for Metro 2 compliance before submitting.
YELLOW TAB ERRORS CAUGHT HERE
3
Submit to the bureau(s)
Send the corrected data to one or more bureaus in a single AUD submission.
4
Bureau updates the record
The bureau processes it and updates the consumer's file — no response is required back from them, unlike an ACDV.
--- FIND YOUR GUIDE
AUD vs. ACDV / don't mix these up
This is the single most common point of confusion we see. The direction the data travels is the whole difference
AUD
You > Bureau
You're proactively sending a correction or update to the bureau — nobody asked you for it. You initiated it.
ACDV
Bureau > You
The bureau is asking you to verify a consumer's dispute. You're responding to something that landed in your queue.
--- IMPLEMENTATION
What you need to know
The details that actually matter day to day.
Response window
You have 30 days under the FCRA to investigate and respond to every ACDV.
Control Number
Every ACDV gets a unique Control Number — this is what you'll reference in the UI or pass to /view and /submit if you're using the API.
Status flow
An ACDV moves from PENDING-SENDREQUEST to PENDING-AWAITINGRESPONSE once it's been opened — this status change is what makes a response eligible for submission.
Where it lives
In the interactive UI, ACDVs show up in your Work Queue. If you're integrated via API, they're returned by the /find endpoint.
60 SECONDS WITH E-OSCAR
The Yellow Tab Problem — Why Your AUD Won't Submit
Stuck on a yellow tab? This one-minute video walks through the most common validation errors and how to clear them.