• 🚀 Release a new endpoint to Order an Equifax Credit Report. This API gives you the flexibility to pull: 1) a Full Credit Report 2) a Credit Report with Vantage 3.0 credit score or 3) the Credit Score only
• 🤓 Improved latency on the credit report processing and normalization. We are now processing in a p95 of 2s (previous p95 of 10s)
• 📘 Delivered an optimized PDF credit report with improved readability and all available data points
• 💯 Now returning the paymentTraceNumber and errorDescription (where available) for all payments
• Made new fields available on the credit report:
  • reportedDate
  • reportedDateWithFormat
  • firstReportedDateWithFormat
  • formerNames
    • firstName
    • middleName
    • lastName
  • Payment History Details:
    • highestAdverseRating
    • highestAdverseRatingDateWithFormat
    • mostRecentAdverseRating
    • mostRecentAdverseRatingDateWithFormat
    • secondMostRecentAdverseRating
    • secondMostRecentAdverseRatingDateWithFormat
    • adverseRatingCount
• 📈 Improved error handling for users attempting to connect via KBA
• 💳 Updated liabilities matrix to communicate availability of payments for closed accounts

• ✨ Our newly published endpoint enables existing partners to create users which have already been verified through the Spinwheel Network. This makes the verification process for the end consumer seamless!
• 💵 Released a new endpoint to allow student loan account numbers to be manually updated. This ensures payments get to the right creditor at the right time. Learn more about student loan payment requirements here!
• 🔢 We are always enhancing the quality of data we provide, by adding new fields within the user response - the latest fields indicate:
  • highCreditAmount
  • termsFrequency
  • narratives - check out the list of narrative codes

• 🔍 Released a plethora of new fields and data points (sample available here):
  • Original Creditor fields: liabilityTransfers.transferredFrom.creditorName and liabilityTransfers.transferredTo.creditorName
  • Delinquency details now available: Within the liabilityProfile we are now exposing firstDelinquencyDate and firstDelinquencyDateWithFormat
  • Added new date fields for more granular details related to each liability:
    • closedDateWithFormat
    • reportedDateWithFormat
    • chargeOffDateWithFormat
    • lastPaymentDateWithFormat
    • lastStatementDateWithFormat
  • middleName is available both within the creditReports.profile section as well as at the top level profile.middleName
• 🔗 Added handling within the KBA and debt-connect flows. This will now limit the number of question sets to two.
• 📓 Resolved bugs associated with retrieving PDF credit reports
• 💰 The UserPaymentStatusWebhook will trigger for all payment status changes, rather than only to alert partners of APPLIED payments.
• 🚗 Enhancements made to the Vehicles endpoints for improved accuracy and consistency.

• 🔗 Released a new endpoint to allow already verified users to connect
• 🔔 Added REFRESH_TRANSACTION_STATUS webhook for status changes to refresh requests, including a COMPLETED status, making it easier for managing and retrieving real-time balances
• ⏰ Changed KBA Connect timeout from 90 seconds to 180 seconds, to improve user experience and connection rates
• 🔢 Added ssnLastFourDigits to the top level profile of connected users when available
• ✅ Mapped over 50 Direct Student Loan loanTypes across multiple loan servicers to ensure unified categorization in the loanTypeDerived field

• 🕵️‍♀️ Released a 206 response when there is a risk factor detected for a user. Some reasons may pertain to soft or hard locks on the user's credit file, or fraud risk related reasons.
• 📝 Enhanced functionality for retrieving user's pdf report
• 📈 Improved the capabilities matrix handling for a wider variety of use cases for refreshing real-time balances
• 🤩 Improved error handling for refinancing applications
• 💯 Optimized webhook traceability and storage

Spinwheel Year in Review

• 🔗 Released a new Connect API for a KBA based flow. This API can be used as a fallback for Spinwheel's existing Connect APIs.
• ✅ Added ecoaCodefield under the liabilityProfile or cardProfile section of the /v1/users response
• 💲 Updated paymentToPlatform error handling to include minimum and maximum amount thresholds at time of paymentRequest
• 🎓 Added loanType field to a user's studentLoan record which indicates if a student loan liability account is PUBLIC, PRIVATE, or UNVERIFIED.
• 🏦 Released new capabilities for payments being made through the Direct Student Loan Connection, for improved function and deliverability
• 💳 ChargeOffDate and ChargeOffAmount added to sandbox test users for improved use cases while testing

• 󠀥💯 Added the creditUtilization attribute to credit cards. This is available at both the summary level and at the individual card level when retrieving a user profile. It is expressed as a percentage and will only be shown on open cards with a balance.
• 🔔 Improved the userConnectionStatus webhook by adding USER_LIABILITIES_CONNECTED as a new event type, to notify you that the user's liabilities are available. Once this webhook has been received, you can fetch the updated user profile using the user profile endpoint. Read more about our webhooks here.
• 👩🏽‍🔬 Added new sandbox identities for Embedded Debt Connect with varying liability data. They can be used by adjusting the date of birth that is provided when authenticating via Embedded Debt Connect. A full list of the identities can be found here. We will still provide a default user when you use any date of birth not listed as a sandbox identity.

• 📚Added robust data fields within the credit report; including historical inquiries, and credit score contributing factors
• ✅ Nelnet continuous 90-day authentication
• 🤩 Enabled easy subscription to webhooks through an existing endpoint
• 🎨 Released connect API to support partner managed UX

• 📈 Integrated additional data sources to increase real-time balance coverage across liabilities
• 🆕 Added new offer types for financings, and increased liability fields
• 💰 Optimized payments for Nelnet direct student loan accounts
• 📚 Improved glossary for easy documentation usage and understanding