Changelog

Includes updates on Credit Data AI Lab, Disbursement Data and Connect Risk Layer

Includes updates on CRA status, Real-Time Credit Card Balances, Credit Card Name and Art, Multi-Bureau Support, and Availability of FICO 4 and 8 Credit Scores

• Multi-Bureau Support is here 🎉 — Access credit data from multiple bureaus with automatic failover for a more resilient experience. 📘 API Guide.

• Spinwheel launches the Credit Card Brand Assets API, transforming generic credit card data into rich, branded insights with official artwork. Now businesses can unlock true wallet intelligence to power personalization, trust, and higher conversion. 📘 API Guide 📰 Blog Post
• We’ve introduced Bank Account Real-Time Balance (RTB) to directly validate bank account ownership and fetch balances with reduced user friction. This release ensures reliable account verification, streamlined partner integration, and improved coverage for NSF risk mitigation. 📘 API Guide

• 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