Credit Reports
What do my credit report statuses mean?
Understand uploaded, verifying, accepted, and replacement-needed reports.
Updated October 15, 2026
Received / Awaiting verification
Your file has been saved. Clearline has not yet confirmed the report is complete and readable.
Verified for review
Clearline confirmed the report can be used and identified the bureau information it contains. Your assessment can continue.
Replacement needed
The file could not be used as submitted. Read the reviewer's note in Credit Reports, then upload a replacement.
Under review
The report is being evaluated by Clearline for a personalized recommendation. A verified report and a completed credit analysis are not the same status.
If a status is unclear, send a message from your client portal.