Prototype · Creditor product

Creditor Portal

The self-service operations console creditors and collection agencies use on Cirqul: a settlement queue against consumer-initiated offers, a compliance health view that surfaces Reg F, FDCPA, and FCRA exposures, a tradeline-furnishing verification tracker, and a dispute response workspace.

Overview

Snapshot · May 29, 2026

Pending offers

$3,370 total · oldest 2d ago

Recovered YTD

$2,380

3 executed settlements

Avg recovery rate

38%

of accepted-account balance, vs. ~12% industry avg

Creditor leverage

42/100

Moderate · balance-weighted across 9 active accounts

Compliance health

44/100

4 open flags · $3,250 est. exposure

Recent activity

last 7 events

New lump-sum offer of $720 on acct XXXX-7710 (Consumer #C-4421). Escrow funded.today

New payment-plan offer: $200/mo × 6 on acct XXXX-2240 (Consumer #C-7188).today

Balance dispute filed on acct XXXX-2240. Response due 2026-06-12.3d ago

FDCPA flag: post-dispute outbound contact detected on acct XXXX-0814.6d ago

30-day bureau check: TU and EX still showing Open on settled acct XXXX-2218.9d ago

Reg F 7-in-7 flag raised: 8 phone attempts on acct XXXX-9912 in 7-day window.11d ago

Reg F validation defect raised on acct XXXX-5532: missing itemization date.14d ago

Action needed

oldest first