Prefer the lender statement on small disagreements
0.12.0 → 0.12.1-draft| Status | drafted |
| Procedure touched | Step 4 · Obligations and DTI |
| Tested against | 20 obligation conflicts from production · 0 of 12 runs, strict |
| Evidence | — |
| Spent | nothing yet |
| Owner | s.mendo |
What changed in the procedure
before and after, by stepAssemble every debt from its true source and build the qualifying payment.
What it did to the queue
the reviewer’s side of the loopWould remove roughly three of every four conflicting-extraction stops — 78 of them over ten days at 41 seconds each. It is also precisely the change the autonomy guardrail exists to police: a wrong pick under $50 raises autonomy and lowers accuracy at the same time, and only blind review would ever see it.
Thread
no verdict until every run is inSixteen of the twenty obligation conflicts a person has resolved came down to the lender statement rather than the credit report. Prefer it at step 4, and only ask when the two disagree by more than $50.
Drafted, not run. The set is the twenty conflicts pulled from files a person already answered, so it tests the change against real disagreements rather than invented ones. At twelve runs the estimate is $26.28 and about 41 minutes.
Worth saying before you spend it: this removes a question rather than correcting a wrong answer. If the rule fires on a pair that differs by less than $50 and picks the wrong side, autonomy goes up while accuracy goes down, and the only thing that would notice is blind review.