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Getting Started with e-OSCAR

Learn more about how to become an e-OSCAR User

About e-OSCAR

e-OSCAR is a web-based, Metro2 compliant, automated system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send “out-of-cycle” credit history updates to CRAs.


The system primarily supports Automated Credit Dispute Verification (ACDV) and Automated Universal Dataform (AUD) processing as well as a number of related processes that handle registration, subscriber code management and reporting.


ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information (if any) relating to the consumer’s credit history. If an account is modified or deleted, Carbon Copies are sent to each CRA with whom the DF has a reporting relationship.


AUDs are initiated by the DF to request out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA(s) based on Subscriber Codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer's file for consideration outside of the regular activity reporting cycle process. e-OSCAR may not be used to add or create a record on a consumer's file or as substitute for "in-cycle" reporting to the CRAs

Meet the e-OSCAR Customer Success Team

Why enroll?

Intuitive & Intelligent Application

  • Edits for illogical conditions

  • Prefilled data for error reduction

  • Pick lists for faster data entry

Meets Industry Standards

  • Metro 2 Compliant

  • FCRA Compliant

Security is second to none

  • Secure & controlled access

  • Auditable, secure transactions

  • 256 bit SSL

  • IP Restrictions available

  • Restriction of access to PII and images available


Uncommonly Great service

  • Help Desk contact via phone, chat, webform

System Requirements

The e-OSCAR application is optimized for Microsoft Edge Chromium, Google Chrome 22 or higher and Firefox 23 or higher.

The following settings are recommended to reduce difficulty in accessing and displaying the e-OSCAR application:

  • the e-OSCAR application should be whitelisted as a trusted site (

  • Pop-up blockers should be disabled

  • Enable cookies & JavaScript

  • Adjust browser cache to check for a new version of the page on each visit

Minimum Configuration Settings​:

System: Personal Computer

Processor: 500 MHz or better

Memory: 128 MB or more

Storage: 2 GB hardrive

Internet Connection: DSL/Cable 

Monitor: 17" minimum

Resolution: 1024 x 768 or greater

Please consult with your company's internal information technology and security resources for information on specific settings and viewers that are enabled for your company.

Implementation Steps

Pre-Registration Steps:

  • Carefully read and accept the e-OSCAR System Terms of Use

  • Ensure that your company has the necessary hardware & software capability to access e-OSCAR

  • Contact the Consumer Reporting Agency(ies) to which your company reports and obtain an Access Code.  Verify your Subscriber Code(s).

Complete your Registration:

  • Prepare the various information you will need to complete your registration (such as names & email addresses for Registration Administrator, Billing Contact, etc)

  • Navigate to and select the Registration link

  • Complete the Registration form online and submit

  • Receive the invoice for and pay your $90 registration fee

  • Expense a response from the e-OSCAR team within 7-14 business days following receipt and verification of your payment (allows for all required CRA approvals to be received)

Learn how to use the e-OSCAR application

  • Secure access to the e-OSCAR Training Hub at  Click on the "key" icon and follow the instructions explicitly to create your access

  • Access, print or save Reference Cards within our Training Hub for the most common processes.

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