Authentication of default: information utilities must notify debtors, record coloured authentication statuses, and issue records to creditors. An information utility must promptly notify a debtor of received information of default, seek confirmation with repeated reminders and specified delivery routes, record an authentication status with a colour code (authenticated/ disputed/ deemed authenticated) - with scheduled banks treated so that nonresponse or confirmation is recorded as authenticated and partial disputes leave undisputed amounts authenticated - and issue a record of default to registered creditors and parties or sureties.