• Bankruptcy records are now available within: creditReports.bankruptcies. You can view the full list of Bankruptcy Codes here
  • industryCode
  • industryCodeDescription
  • typeCode
  • typeCodeDescription
  • filerCode
  • filerCodeDescription
  • dispositionCode
  • dispositionCodeDescription
  • priorIntentCode
  • priorIntentCodeDescription
  • dateFiled
  • dateReported
  • caseNumber
• Released additional Collection Account data to provide a more complete picture of a user's debt profile
• Increased the KBA timeout to 10 minutes, to allow for ample time to input the necessary information, in order to pull a credit report

• The Network Token timeout is now valid for 5 years by default. This ensures users can be connected to the right place, as their individual financial position evolves over time. Read more about how the Spinwheel Network Token works!
• We are now returning the following additional vehicle details:
  • "fuel": "Gasoline"
  • "name": "2011 Mercedes-Benz M-Class"
  • "color": "Silver"
  • "style": "SUV"
  • "engine": "3.5L V6 DOHC 24V"
  • "driveType": "AWD"
  • "transmission": "Automatic"

• Ability to subscribe to Equifax Credit Reports on a recurring weekly, or monthly basis. You also can manage these subscription by getting or deleting them
• The Credit Report PDF now includes Term Duration per liability
• Increased the identity-connect timeout to 5 minutes for enhanced usability and user experience
• Released improvements to allow for pre-populating fields in the debt-connect DIM. This ensures a more seamless experience for the user filling out the form field.

• 📈 Published additional data points on the user's credit report:
  • creditReports.Summary:
    • totalSecuredDebtAmount
    • securedDebtLiabilitiesCount
    • totalUnsecuredDebtAmount
    • unsecuredDebtLiabilitiesCount
    • totalUnknowDebtAmount
    • unknownDebtLiabilitiesCount
  • liabilityProfile.debtType:
    • SECURED
    • UNSERCURED
    • UNKNOWN
• 🤩 Released enhancements to the Balance Transfer DIM for resolution of bugs, and improved handling of success events

• 🚀 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