Header Record: Identifying the File
What the header communicates about the furnisher, cycle, and file meta.
Updated 8/14/2025 · 1 min read
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Identification and context
The header record signals who is reporting, the reporting cycle, and other metadata. It should remain stable where identifiers are intended to be permanent, helping CRAs track furnishers over time and route disputes correctly.
Common pitfalls
Changing furnisher/branch identifiers midstream breaks history and dispute continuity.
Cycle identifiers reported without an actual multi-cycle schedule can cause CRAs to expect missing files.
Last updated
8/14/2025