e-OSCAR is a web-based, Metro 2 compliant, digitised system that enables Data Furnishers and Credit Reporting Agencies to create and respond to consumer credit history disputes. The Credit Reporting Agencies include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-Oscar also provides for Data Furnishers to send "out-of-cycle" credit history updates to Agencies.
The system primarily supports Automated Credit Dispute Verification and Automated Universal Dataform processing as well as a number of related processes that handle registration, subscriber code management and reporting.