Debt Profile Statuses
On the User Response, Spinwheel is returning creditReport.connectionStatus.dataStatus to indicate the status of a user. Below are the expected responses for each use case:
Refreshing a User
Each user will need to have a '2000' statusCode in order to successfully refresh.
Code variation by Bureau
Different bureaus treat certain user report statuses differently. Given this, the following is what you would see broken out by the credit bureau associated with a given user.
Equifax
| statusCode | dataStatus.DataStatusEnum | description |
|---|---|---|
| 2000 | COMPLETED | Authentication is successful. |
| 2001 | IN_PROGRESS | Authentication is in progress. |
| 5000 | ERROR | Authentication failed. |
| 5000 | ERROR | Authentication is successful. (Credit report request or process failed) |
| 5000 | ERROR | Fraudulent credit report detected. |
| 5000 | ERROR | Frozen credit report detected. |
| 5000 | ERROR | Consumer-locked credit report. |
| 5000 | ERROR | Unknown Error. |
| 4000 | ERROR | Credit report is only available for manual return. |
| 4000 | ERROR | Manual review required due to delivery issues or fraud alerts. |
| 4090 | ERROR | File is under review or being referred to another department. |
| 4040 | ERROR | Credit report not found. |
{ dataStatus: DataStatusEnum.COMPLETED, description: 'Authentication is successful.', statusCode: 2000 }
{ dataStatus: DataStatusEnum.IN_PROGRESS, description: 'Authentication is in progress.', statusCode: 2001 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Authentication failed.', statusCode: 5000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Authentication is successful.', statusCode: 5000 } // Credit report request or process failed
{ dataStatus: DataStatusEnum.ERROR, description: 'Fraudulent credit report detected', statusCode: 5000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Frozen credit report detected.', statusCode: 5000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Consumer-locked credit report.', statusCode: 5000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Unknown Error.', statusCode: 5000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Credit report is only available for manual return.', statusCode: 4000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Manual review required due to delivery issues or fraud alerts.', statusCode: 4000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'File is under review or being referred to another department.', statusCode: 4090 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Credit report not found.', statusCode: 4040 }
TransUnion
| statusCode | dataStatus.DataStatusEnum | description |
|---|---|---|
| 2000 | COMPLETED | Authentication is successful. |
| 2001 | IN_PROGRESS | Authentication is in progress. |
| 5000 | ERROR | Authentication failed. |
| 5000 | ERROR | Authentication is successful. (Credit report request or process failed) |
| 2000 | COMPLETED | Fraudulent credit report detected. |
| 2000 | COMPLETED | Frozen credit report detected. |
| 5000 | ERROR | Consumer-locked credit report. |
| 5000 | ERROR | Unknown Error. |
| 4000 | ERROR | Credit report is only available for manual return. |
| 4000 | ERROR | Manual review required due to delivery issues or fraud alerts. |
| 4090 | ERROR | File is under review or being referred to another department. |
| 4040 | ERROR | Credit report not found. |
{ dataStatus: DataStatusEnum.COMPLETED, description: 'Authentication is successful.', statusCode: 2000 }
{ dataStatus: DataStatusEnum.IN_PROGRESS, description: 'Authentication is in progress.', statusCode: 2001 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Authentication failed.', statusCode: 5000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Authentication is successful.', statusCode: 5000 } // Credit report request or process failed
{ dataStatus: DataStatusEnum.COMPLETED, description: 'Fraudulent credit report detected', statusCode: 2000 }
{ dataStatus: DataStatusEnum.COMPLETED, description: 'Frozen credit report detected.', statusCode: 2000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Consumer-locked credit report.', statusCode: 5000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Unknown Error.', statusCode: 5000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Credit report is only available for manual return.', statusCode: 4000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Manual review required due to delivery issues or fraud alerts.', statusCode: 4000 }
{ dataStatus: DataStatusEnum.ERROR, description: 'File is under review or being referred to another department.', statusCode: 4090 }
{ dataStatus: DataStatusEnum.ERROR, description: 'Credit report not found.', statusCode: 4040 }
Updated 18 days ago