---
agentTools:
  projectIndex: https://docs.spinwheel.io/llms.txt
---

# July 2024

* 🚀 Release a new endpoint to [Order an Equifax Credit Report](https://docs.spinwheel.io/reference/order-equifax-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](https://docs.spinwheel.io/reference/get-transaction-1)
* 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](https://docs.spinwheel.io/reference/connect-with-kba)
* 💳 Updated liabilities matrix to communicate availability of payments for closed accounts