May 2024 Changes

  • πŸ” 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
  • πŸ”— Added handling within the KBA and debt-connect flows. This will now limit the number of question sets to two.
  • πŸ““ Released bugs associated with retrieving PDF credit reports
  • πŸ’° The UserPaymentStatusWebhook will trigger for all payment status changes, rather than only to alert partners of APPLIED payments.
  • πŸš— Enhancements made to the Vehicles endpoints for improved accuracy and consistency.

March 2024 Changes

  • πŸ”— Released a new endpoint to allow already verified users to connect
  • πŸ”” 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
  • πŸ”’ Added ssnLastFourDigits to the top level profile of connected users when available
  • βœ… Mapped over 50 Direct Student Loan loanTypes across multiple loan servicers to ensure unified categorization in the loanTypeDerived field

February 2024 Changes

  • πŸ•΅οΈβ€β™€οΈ 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.
  • πŸ“ Enhanced functionality for retrieving user's pdf report
  • πŸ“ˆ Improved the capabilities matrix handling for a wider variety of use cases for refreshing real-time balances
  • 🀩 Improved error handling for refinancing applications
  • πŸ’― Optimized webhook traceability and storage

2023 Year in Review

Spinwheel Year in Review

December 2023 Changes

  • πŸ”— Released a new Connect API for a KBA based flow. This API can be used as a fallback for Spinwheel's existing Connect APIs.
  • βœ… Added ecoaCodefield under the liabilityProfile or cardProfile section of the /v1/users response
  • πŸ’² Updated paymentToPlatform error handling to include minimum and maximum amount thresholds at time of paymentRequest
  • πŸŽ“ 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
  • πŸ’³ ChargeOffDate and ChargeOffAmount added to sandbox test users for improved use cases while testing

November 2023 Changes

  • σ €₯πŸ’― 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.
  • πŸ”” 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.
  • πŸ‘©πŸ½β€πŸ”¬ 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.

October 2023 Changes

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

September 2023 Changes

  • πŸ“ˆ Integrated additional data sources to increase real-time balance coverage across liabilities
  • πŸ†• Added new offer types for financings, and increased liability fields
  • πŸ’° Optimized payments for Nelnet direct student loan accounts
  • πŸ“š Improved glossary for easy documentation usage and understanding

August 2023 Changes

  • πŸ’Œ Added new endpoint for fetching PDF copy of a users credit report
  • βœ… New user connect flow options, including OTP
  • πŸ’¨ Additional payment configurations to support varying transaction speeds
  • πŸ’Έ High impact rollover capability for dynamic funds disbursement

July 2023 Changes

  • ✨ Optimized real time balance performance
  • πŸ†• Introduced a new endpoint to show dates and amounts of payments that qualify for Public Service Loan Forgiveness (PSLF) for a particular user
  • 🎨 Added credit card update drop in module to dim-docs for additional configuration
  • πŸ† Improved UI on Spinwheel Connect module
  • πŸͺ„Added additional interest rate monitoring configurations