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Below is a signed Decision Receipt for a fictional loan decline. Click verify to prove, in your browser, that it hasn't been edited.
Synthetic loan application — declined on debt-to-income ratio.
DTI
0.52
Max DTI
0.45
Outcome
DENY
This is a Decision Receipt — a record created at the moment a decision is made. It proves what was decided, under which rules, and when — and that it hasn't been changed since.
This is what regulators ask for. Most systems can't produce it.
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