--- updatedAt: 2026-05-27T22:29:41.000Z agentTools: projectIndex: https://docs.spinwheel.io/llms.txt --- # Retrieve a User Returns a User object > 📘 This endpoint successfully returns you the latest cached data on a user. To refresh a user's Debt Profile, please [Request a Debt Profile](https://docs.spinwheel.io/reference/fetch-debt-profile) or [Subscribe](https://docs.spinwheel.io/reference/create-subscription) your users to a Debt Profile Refresh # OpenAPI definition ```json { "openapi": "3.0.0", "paths": { "/v1/users": { "get": { "operationId": "Get User Profile", "summary": "Retrieve a User", "description": "Returns a User object", "parameters": [ { "name": "userId", "required": false, "in": "query", "description": "Spinwheel userId to identify a user (one of userId or extUserId is required).", "example": "3fef7131-71ae-4204-a8bd-3fc3ad6b4b82", "schema": { "type": "string" } }, { "name": "extUserId", "required": false, "in": "query", "description": "A client id registered with Spinwheel on user creation (one of userId or extUserId is required).", "example": "ext-user-123", "schema": { "type": "string" } }, { "name": "liabilityType", "required": false, "in": "query", "schema": { "enum": [ "STUDENT_LOAN", "CREDIT_CARD", "HOME_LOAN", "AUTO_LOAN", "PERSONAL_LOAN", "MISCELLANEOUS_LIABILITY" ], "type": "string" } } ], "responses": { "200": { "description": "Successful response", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/UserProfileResponse" }, "examples": { "Response with credit cards": { "description": "Response with credit cards", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "b26e936c-3a1b-417c-a879-43be436d4ead", "extUserId": "testuser@gmail.com", "isBorrower": false, "isChampion": false, "createdOn": 1597317116353, "updatedOn": 1597753517524, "creditReports": [ { "id": "fbaa5d3f-e2a3-456e-b727-12f683efb719", "sourceBureau": "Equifax", "type": "1_BUREAU.FULL", "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "dateOfBirth": "1967-06-08", "ssn": "6112", "formerNames": [ { "firstName": "CHRISTINE", "middleName": "LUCILLE", "lastName": "GENOVAL" } ], "addresses": [ { "addressLine1": "305 LINDEN AVE", "city": "ATLANTA", "state": "GA", "zip": "30316", "residencyType": "CURRENT", "addressOwnership": "OWN", "addressSource": "OTHER", "residencyDurationInMonths": 2, "reportedDate": "2022-05-04", "reportedDateWithFormat": { "value": "2022-05-04", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" } }, { "addressLine1": "712 MCDOUNGH RD", "city": "HAMPTON", "state": "GA", "zip": "30228", "residencyType": "PREVIOUS", "addressOwnership": "RENT", "addressSource": "AUTOMATED_UPDATE", "residencyDurationInMonths": 2, "reportedDate": "2022-03-02", "reportedDateWithFormat": { "value": "2022-03-02", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "PO BOX 30", "city": "HELEN", "state": "GA", "zip": "30545", "residencyType": "PREVIOUS", "addressOwnership": "BUY", "addressSource": "EQUIFAX", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "1260 NELMS RD", "city": "CARNESVILLE", "state": "GA", "zip": "30521", "residencyType": "PREVIOUS", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "2732 SENECA ST 1FLRR", "city": "MARIETTA", "state": "GA", "zip": "30062", "residencyType": "PREVIOUS" } ], "employmentHistory": [ { "employerName": "Acme Inc", "startDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "reportedDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "employmentStatus": "CURRENT" }, { "position": "Software Engineer", "startDateWithFormat": { "value": "2020-05-01", "format": "YYYY-MM" }, "employmentStatus": "PREVIOUS" } ], "updatedOn": 1678724487191, "createdOn": 1678724480988 }, "inquiries": [ { "inquirerName": "MBGA", "phoneNumber": "1234567890", "inquiryDate": "2020-08-13", "inquirerIndustryCode": "H", "purposeType": "HARD", "sourceBureau": "Equifax", "bureauSubscriberCode": "404HA00354", "address": { "addressLine1": "BR. C GIM-REGION TP", "city": "ROSWELL", "state": "GA", "zip": "30076" } } ], "bankruptcies": [ { "filedDateWithFormat": { "value": "2018-07-19", "format": "YYYY-MM-DD" }, "dispositionDateWithFormat": { "value": "2018-10-29", "format": "YYYY-MM-DD" }, "verifiedDateWithFormat": { "value": "2018-11-30", "format": "YYYY-MM-DD" }, "reportedDateWithFormat": { "value": "2024-11-21", "format": "YYYY-MM-DD" }, "caseNumber": "1886052", "type": "INDIVIDUAL", "filer": "INDIVIDUAL", "disposition": "DISCHARGED_CH_7", "priorDisposition": "VOLUNTARY_CH_7", "liabilityAmount": 5000, "assetAmount": 1500, "exemptAmount": 1000, "court": { "industryType": "Federal", "industryCode": "VF", "bureauSubscriberCode": "180VF00121" }, "narratives": [ { "code": "AV", "description": "Charge" } ] } ], "creditScoreDetails": [ { "reportedDate": "2022-05-06", "riskBasedPricingPercentage": 40, "riskBasedPricingMin": 691, "riskBasedPricingMax": 694, "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "sourceBureau": "Equifax", "factors": [ { "description": "Available credit on your open bankcard or revolving accounts is too low", "code": "39" }, { "description": "Total of all balances on bankcard or revolving accounts is too high", "code": "34" }, { "description": "You have too many delinquent or derogatory accounts", "code": "7" }, { "description": "You have too many inquiries on your credit report.", "code": "85" } ] } ], "creditAttributes": [ { "description": "Number of tradelines", "value": "24" }, { "description": "Average age of open tradelines", "value": "81" }, { "description": "Number of hard inquiries", "value": "63" }, { "description": "Number of payments", "value": "5" } ], "summary": { "totalSecuredDebtAmount": 16650.57, "securedDebtLiabilitiesCount": 5, "totalUnsecuredDebtAmount": 1663.43, "unsecuredDebtLiabilitiesCount": 2, "totalUnsecuredDebtAmountExcludingStudent": 1663.43, "unsecuredDebtLiabilitiesCountExcludingStudent": 2, "totalUnknownDebtAmount": 11686, "unknownDebtLiabilitiesCount": 3 }, "reportStatus": { "status": "SUCCESS" }, "updatedOn": 1646865863897, "createdOn": 1646865863897, "connectionStatus": { "statusCode": 2001, "description": "Account created and fetched security questions", "lastAuthAttemptOn": 1646865870644, "lastSuccessfulAuthOn": 1646865870644, "isAuthSuccessful": true, "isValid": false, "isSecurityStepPending": true, "dataStatus": { "status": "IN_PROGRESS", "updatedOn": 1646865863897 } } } ], "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "emailAddress": "test.user@abc.com", "phoneNumber": "+19999999999", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "123 Main St", "addressLine2": "Unit: 234", "city": "San Francisco", "state": "CA", "zip": "94103" } ], "dob": "2000-01-01", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "creditCardSummary": { "noOfCreditCards": 1, "availableCredit": 3000, "currentOutstandingBalance": 7000, "updatedOn": 1643917894780, "creditUtilization": 70 }, "creditCards": [ { "creditCardId": "7025c075-e92d-46fa-85e5-ac31ca667079", "displayName": "TD Bank", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "cardProfile": { "ecoaCode": "I", "creditCardNumberMasked": "495962******6670", "accountOriginationDate": "2018-07-04T00:00:00.000Z", "status": "OPEN", "accountRating": "1", "creditLimit": 10000, "creditUtilization": 70, "liabilitySubtype": "CreditCard", "debtType": "UNSECURED", "closedDateWithFormat": { "value": "2016-07", "format": "YYYY-MM" }, "availableCreditDerived": 3000, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "reviewedInMonths": 25, "reportedDateWithFormat": { "value": "2023-02-14", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2023-01-14", "format": "YYYY-MM-DD" }, "accountType": "REVOLVING", "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "R", "limitType": "REGULAR", "highestAdverseRating": "H", "highestAdverseRatingDateWithFormat": { "value": "2022-11", "format": "YYYY-MM" }, "mostRecentAdverseRating": "1", "mostRecentAdverseRatingDateWithFormat": { "value": "2022-12", "format": "YYYY-MM" }, "secondMostRecentAdverseRating": "H", "secondMostRecentAdverseRatingDateWithFormat": { "value": "2022-11", "format": "YYYY-MM" }, "adverseRatingCount": 4, "paymentHistory": { "lastAssessedStatementDate": "2023-01-14", "details": [ { "date": "2023-01-14", "description": "The account is current", "code": "0" }, { "date": "2022-12-14", "description": "The account has been late for 1 billing cycle", "code": "1" }, { "date": "2022-11-14", "description": "The account is in foreclosure", "code": "H" }, { "date": "2022-10-14", "description": "The account is in collections", "code": "G" }, { "date": "2022-09-14", "description": "The account was voluntarily surrendered", "code": "J" }, { "date": "2022-08-14", "description": "No data available for this period", "code": "D" } ] } }, "balanceDetails": { "outstandingBalance": 7000, "updatedOn": 1597753517524 }, "statementSummary": { "statementBalance": 3194, "minimumPaymentAmount": 101, "dueDate": "2021-09-08T00:00:00.000Z", "lastPaymentAmount": 400, "lastPaymentDateWithFormat": { "value": "2021-08-21", "format": "YYYY-MM-DD" }, "statementDateWithFormat": { "value": "2021-08-08", "format": "YYYY-MM-DD" }, "overduePeriod": "NOT_OVERDUE", "amountPastDue": 700, "refreshedFields": { "lastPaymentDate": { "value": "2021-08-21", "format": "YYYY-MM-DD", "updatedOn": 1643917894780 }, "dueDay": { "value": "08", "format": "DD", "updatedOn": 1643917894780 }, "lastPaymentAmount": { "value": 400, "updatedOn": 1643917894780 } } }, "aprs": [ { "rate": 19.99, "type": "PURCHASE", "updatedOn": 1597753517524, "source": "REAL_TIME" }, { "rate": 31.24, "type": "CASH_ADVANCE", "applicableBalance": 88, "expirationDate": "2021-10-31", "updatedOn": 1597753517524, "source": "DERIVED" } ], "creditor": { "originalName": "TD BANK", "industryType": "SalesFinancing", "industryCode": "FF", "phoneNumber": "8663968254", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "C/O P.O. BOX 965036", "city": "ORLANDO", "state": "FL", "zip": "32896", "zipExtension": "5036" } }, "capabilities": { "data": { "realtimeBalance": { "availability": "SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" }, "annualPercentageRate": { "availability": "SUPPORTED" } }, "payments": { "billPayment": { "availability": "SUPPORTED" } } }, "createdOn": 1597317116353, "updatedOn": 1597753517524 } ] } } }, "Response with auto loans": { "description": "Response with auto loans", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "autoLoanSummary": { "noOfLoans": 1, "currentOutstandingBalance": 7632, "minimumPaymentAmount": 237, "updatedOn": 1678724486968 }, "creditReports": [ { "id": "54b1918e-e232-4ef0-9ae3-b85d4d29ff3e", "sourceBureau": "Equifax", "type": "1_BUREAU.FULL", "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "dateOfBirth": "1967-06-08", "ssn": "6112", "formerNames": [ { "firstName": "CHRISTINE", "middleName": "LUCILLE", "lastName": "GENOVAL" } ], "addresses": [ { "addressLine1": "305 LINDEN AVE", "city": "ATLANTA", "state": "GA", "zip": "30316", "residencyType": "CURRENT", "addressOwnership": "OWN", "addressSource": "OTHER", "residencyDurationInMonths": 2, "reportedDate": "2022-05-04", "reportedDateWithFormat": { "value": "2022-05-04", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" } }, { "addressLine1": "712 MCDOUNGH RD", "city": "HAMPTON", "state": "GA", "zip": "30228", "residencyType": "PREVIOUS", "addressOwnership": "RENT", "addressSource": "AUTOMATED_UPDATE", "residencyDurationInMonths": 2, "reportedDate": "2022-03-02", "reportedDateWithFormat": { "value": "2022-03-02", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "PO BOX 30", "city": "HELEN", "state": "GA", "zip": "30545", "residencyType": "PREVIOUS", "addressOwnership": "BUY", "addressSource": "EQUIFAX", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "1260 NELMS RD", "city": "CARNESVILLE", "state": "GA", "zip": "30521", "residencyType": "PREVIOUS", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "2732 SENECA ST 1FLRR", "city": "MARIETTA", "state": "GA", "zip": "30062", "residencyType": "PREVIOUS" } ], "employmentHistory": [ { "employerName": "Acme Inc", "startDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "reportedDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "employmentStatus": "CURRENT" }, { "position": "Software Engineer", "startDateWithFormat": { "value": "2020-05-01", "format": "YYYY-MM" }, "employmentStatus": "PREVIOUS" } ], "updatedOn": 1678724487191, "createdOn": 1678724480988 }, "inquiries": [ { "inquirerName": "MBGA", "phoneNumber": "1234567890", "inquiryDate": "2020-08-13", "inquirerIndustryCode": "H", "purposeType": "HARD", "sourceBureau": "Equifax", "bureauSubscriberCode": "404HA00354", "address": { "addressLine1": "BR. C GIM-REGION TP", "city": "ROSWELL", "state": "GA", "zip": "30076" } } ], "bankruptcies": [ { "filedDateWithFormat": { "value": "2018-07-19", "format": "YYYY-MM-DD" }, "dispositionDateWithFormat": { "value": "2018-10-29", "format": "YYYY-MM-DD" }, "verifiedDateWithFormat": { "value": "2018-11-30", "format": "YYYY-MM-DD" }, "reportedDateWithFormat": { "value": "2024-11-21", "format": "YYYY-MM-DD" }, "caseNumber": "1886052", "type": "INDIVIDUAL", "filer": "INDIVIDUAL", "disposition": "DISCHARGED_CH_7", "priorDisposition": "VOLUNTARY_CH_7", "liabilityAmount": 5000, "assetAmount": 1500, "exemptAmount": 1000, "court": { "industryType": "Federal", "industryCode": "VF", "bureauSubscriberCode": "180VF00121" }, "narratives": [ { "code": "AV", "description": "Charge" } ] } ], "creditScoreDetails": [ { "reportedDate": "2022-05-06", "riskBasedPricingPercentage": 40, "riskBasedPricingMin": 691, "riskBasedPricingMax": 694, "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "sourceBureau": "Equifax", "factors": [ { "description": "Available credit on your open bankcard or revolving accounts is too low", "code": "39" }, { "description": "Total of all balances on bankcard or revolving accounts is too high", "code": "34" }, { "description": "You have too many delinquent or derogatory accounts", "code": "7" }, { "description": "You have too many inquiries on your credit report.", "code": "85" } ] } ], "creditAttributes": [ { "description": "Number of tradelines", "value": "24" }, { "description": "Average age of open tradelines", "value": "81" }, { "description": "Number of hard inquiries", "value": "63" }, { "description": "Number of payments", "value": "5" } ], "summary": { "totalSecuredDebtAmount": 16650.57, "securedDebtLiabilitiesCount": 5, "totalUnsecuredDebtAmount": 1663.43, "unsecuredDebtLiabilitiesCount": 2, "totalUnsecuredDebtAmountExcludingStudent": 1663.43, "unsecuredDebtLiabilitiesCountExcludingStudent": 2, "totalUnknownDebtAmount": 11686, "unknownDebtLiabilitiesCount": 3 }, "reportStatus": { "status": "SUCCESS" }, "updatedOn": 1678724487204, "createdOn": 1678724480988, "connectionStatus": { "statusCode": 2000, "description": "Authentication is successful.", "lastAuthAttemptOn": 1678724481033, "isAuthSuccessful": true, "isValid": true, "isSecurityStepPending": false, "statusChangeLogs": [], "lastSuccessfulAuthOn": 1678724481033, "dataStatus": { "status": "COMPLETED", "updatedOn": 1678724487181 } } } ], "autoLoans": [ { "autoLoanId": "75cf4a56-12b0-4fdf-8239-0cd150dc4eb2", "displayName": "Bank of America", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "J", "accountOriginationDate": "2020-03-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 11195, "highCreditAmount": 11195, "accountRating": "1", "liabilitySubtype": "AutoLease", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 23, "loanTermInMonths": 48, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 25, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 7632 }, "statementSummary": { "statementBalance": 7632, "principalBalance": 7632, "minimumPaymentAmount": 237, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "payoffSummary": { "payoffAmount": 7632, "payoffGoodThroughDate": "2023-12-07", "updatedOn": 1734536652280 }, "creditor": { "industryType": "AllBanks", "industryCode": "BB", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "PO BOX 2759", "city": "JACKSONVILLE", "state": "FL", "zip": "32203", "zipExtension": "2759" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "payoffSummary": { "availability": "SUPPORTED" }, "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486921, "createdOn": 1678724486921 } ] } } }, "Response with personal loans": { "description": "Response with personal loans", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "personalLoanSummary": { "noOfLoans": 1, "currentOutstandingBalance": 2327, "minimumPaymentAmount": 98, "updatedOn": 1678724487171 }, "creditReports": [ { "id": "54b1918e-e232-4ef0-9ae3-b85d4d29ff3e", "sourceBureau": "Equifax", "type": "1_BUREAU.FULL", "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "dateOfBirth": "1967-06-08", "ssn": "6112", "formerNames": [ { "firstName": "CHRISTINE", "middleName": "LUCILLE", "lastName": "GENOVAL" } ], "addresses": [ { "addressLine1": "305 LINDEN AVE", "city": "ATLANTA", "state": "GA", "zip": "30316", "residencyType": "CURRENT", "addressOwnership": "OWN", "addressSource": "OTHER", "residencyDurationInMonths": 2, "reportedDate": "2022-05-04", "reportedDateWithFormat": { "value": "2022-05-04", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" } }, { "addressLine1": "712 MCDOUNGH RD", "city": "HAMPTON", "state": "GA", "zip": "30228", "residencyType": "PREVIOUS", "addressOwnership": "RENT", "addressSource": "AUTOMATED_UPDATE", "residencyDurationInMonths": 2, "reportedDate": "2022-03-02", "reportedDateWithFormat": { "value": "2022-03-02", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "PO BOX 30", "city": "HELEN", "state": "GA", "zip": "30545", "residencyType": "PREVIOUS", "addressOwnership": "BUY", "addressSource": "EQUIFAX", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "1260 NELMS RD", "city": "CARNESVILLE", "state": "GA", "zip": "30521", "residencyType": "PREVIOUS", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "2732 SENECA ST 1FLRR", "city": "MARIETTA", "state": "GA", "zip": "30062", "residencyType": "PREVIOUS" } ], "employmentHistory": [ { "employerName": "Acme Inc", "startDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "reportedDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "employmentStatus": "CURRENT" }, { "position": "Software Engineer", "startDateWithFormat": { "value": "2020-05-01", "format": "YYYY-MM" }, "employmentStatus": "PREVIOUS" } ], "updatedOn": 1678724487191, "createdOn": 1678724480988 }, "inquiries": [ { "inquirerName": "MBGA", "phoneNumber": "1234567890", "inquiryDate": "2020-08-13", "inquirerIndustryCode": "H", "purposeType": "HARD", "sourceBureau": "Equifax", "bureauSubscriberCode": "404HA00354", "address": { "addressLine1": "BR. C GIM-REGION TP", "city": "ROSWELL", "state": "GA", "zip": "30076" } } ], "bankruptcies": [ { "filedDateWithFormat": { "value": "2018-07-19", "format": "YYYY-MM-DD" }, "dispositionDateWithFormat": { "value": "2018-10-29", "format": "YYYY-MM-DD" }, "verifiedDateWithFormat": { "value": "2018-11-30", "format": "YYYY-MM-DD" }, "reportedDateWithFormat": { "value": "2024-11-21", "format": "YYYY-MM-DD" }, "caseNumber": "1886052", "type": "INDIVIDUAL", "filer": "INDIVIDUAL", "disposition": "DISCHARGED_CH_7", "priorDisposition": "VOLUNTARY_CH_7", "liabilityAmount": 5000, "assetAmount": 1500, "exemptAmount": 1000, "court": { "industryType": "Federal", "industryCode": "VF", "bureauSubscriberCode": "180VF00121" }, "narratives": [ { "code": "AV", "description": "Charge" } ] } ], "creditScoreDetails": [ { "reportedDate": "2022-05-06", "riskBasedPricingPercentage": 40, "riskBasedPricingMin": 691, "riskBasedPricingMax": 694, "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "sourceBureau": "Equifax", "factors": [ { "description": "Available credit on your open bankcard or revolving accounts is too low", "code": "39" }, { "description": "Total of all balances on bankcard or revolving accounts is too high", "code": "34" }, { "description": "You have too many delinquent or derogatory accounts", "code": "7" }, { "description": "You have too many inquiries on your credit report.", "code": "85" } ] } ], "creditAttributes": [ { "description": "Number of tradelines", "value": "24" }, { "description": "Average age of open tradelines", "value": "81" }, { "description": "Number of hard inquiries", "value": "63" }, { "description": "Number of payments", "value": "5" } ], "summary": { "totalSecuredDebtAmount": 16650.57, "securedDebtLiabilitiesCount": 5, "totalUnsecuredDebtAmount": 1663.43, "unsecuredDebtLiabilitiesCount": 2, "totalUnsecuredDebtAmountExcludingStudent": 1663.43, "unsecuredDebtLiabilitiesCountExcludingStudent": 2, "totalUnknownDebtAmount": 11686, "unknownDebtLiabilitiesCount": 3 }, "reportStatus": { "status": "SUCCESS" }, "updatedOn": 1678724487204, "createdOn": 1678724480988, "connectionStatus": { "statusCode": 2000, "description": "Authentication is successful.", "lastAuthAttemptOn": 1678724481033, "isAuthSuccessful": true, "isValid": true, "isSecurityStepPending": false, "statusChangeLogs": [], "lastSuccessfulAuthOn": 1678724481033, "dataStatus": { "status": "COMPLETED", "updatedOn": 1678724487181 } } } ], "personalLoans": [ { "personalLoanId": "3969d448-b5ea-47fd-a126-f2677d6b6eb3", "displayName": "Capital One", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "2021-06-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 3093, "highCreditAmount": 3093, "accountRating": "1", "liabilitySubtype": "InstallmentLoan", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 23, "loanTermInMonths": 32, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 9, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 2327, "updatedOn": 1678724487153 }, "statementSummary": { "statementBalance": 2327, "principalBalance": 2327, "minimumPaymentAmount": 98, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "AllBanks", "industryCode": "BB", "phoneNumber": "4048277100", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "P.O. BOX 3117", "city": "WINSTON-SALEM", "state": "NC", "zip": "27102" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724487153, "createdOn": 1678724487153 } ] } } }, "Response with student loans": { "description": "Response with student loans", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "studentLoanSummary": { "noOfLoans": 1, "currentOutstandingBalance": 3941, "minimumPaymentAmount": 131, "updatedOn": 1678724487132, "liabilityGroupPayoffQuotes": [ { "studentLoanIds": [ "18cf0dcb-41ef-498b-b340-eef4f5e7fcb0" ], "liabilityGroupId": "lc444634-40a8-4a62-849d-4e2db7b8a9ad", "payoffAmount": 28041, "payoffGoodThroughDate": "2025-05-29", "updatedOn": 1678724487132 } ] }, "creditReports": [ { "id": "54b1918e-e232-4ef0-9ae3-b85d4d29ff3e", "sourceBureau": "Equifax", "type": "1_BUREAU.FULL", "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "dateOfBirth": "1967-06-08", "ssn": "6112", "formerNames": [ { "firstName": "CHRISTINE", "middleName": "LUCILLE", "lastName": "GENOVAL" } ], "addresses": [ { "addressLine1": "305 LINDEN AVE", "city": "ATLANTA", "state": "GA", "zip": "30316", "residencyType": "CURRENT", "addressOwnership": "OWN", "addressSource": "OTHER", "residencyDurationInMonths": 2, "reportedDate": "2022-05-04", "reportedDateWithFormat": { "value": "2022-05-04", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" } }, { "addressLine1": "712 MCDOUNGH RD", "city": "HAMPTON", "state": "GA", "zip": "30228", "residencyType": "PREVIOUS", "addressOwnership": "RENT", "addressSource": "AUTOMATED_UPDATE", "residencyDurationInMonths": 2, "reportedDate": "2022-03-02", "reportedDateWithFormat": { "value": "2022-03-02", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "PO BOX 30", "city": "HELEN", "state": "GA", "zip": "30545", "residencyType": "PREVIOUS", "addressOwnership": "BUY", "addressSource": "EQUIFAX", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "1260 NELMS RD", "city": "CARNESVILLE", "state": "GA", "zip": "30521", "residencyType": "PREVIOUS", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "2732 SENECA ST 1FLRR", "city": "MARIETTA", "state": "GA", "zip": "30062", "residencyType": "PREVIOUS" } ], "employmentHistory": [ { "employerName": "Acme Inc", "startDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "reportedDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "employmentStatus": "CURRENT" }, { "position": "Software Engineer", "startDateWithFormat": { "value": "2020-05-01", "format": "YYYY-MM" }, "employmentStatus": "PREVIOUS" } ], "updatedOn": 1678724487191, "createdOn": 1678724480988 }, "inquiries": [ { "inquirerName": "MBGA", "phoneNumber": "1234567890", "inquiryDate": "2020-08-13", "inquirerIndustryCode": "H", "purposeType": "HARD", "sourceBureau": "Equifax", "bureauSubscriberCode": "404HA00354", "address": { "addressLine1": "BR. C GIM-REGION TP", "city": "ROSWELL", "state": "GA", "zip": "30076" } } ], "bankruptcies": [ { "filedDateWithFormat": { "value": "2018-07-19", "format": "YYYY-MM-DD" }, "dispositionDateWithFormat": { "value": "2018-10-29", "format": "YYYY-MM-DD" }, "verifiedDateWithFormat": { "value": "2018-11-30", "format": "YYYY-MM-DD" }, "reportedDateWithFormat": { "value": "2024-11-21", "format": "YYYY-MM-DD" }, "caseNumber": "1886052", "type": "INDIVIDUAL", "filer": "INDIVIDUAL", "disposition": "DISCHARGED_CH_7", "priorDisposition": "VOLUNTARY_CH_7", "liabilityAmount": 5000, "assetAmount": 1500, "exemptAmount": 1000, "court": { "industryType": "Federal", "industryCode": "VF", "bureauSubscriberCode": "180VF00121" }, "narratives": [ { "code": "AV", "description": "Charge" } ] } ], "creditScoreDetails": [ { "reportedDate": "2022-05-06", "riskBasedPricingPercentage": 40, "riskBasedPricingMin": 691, "riskBasedPricingMax": 694, "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "sourceBureau": "Equifax", "factors": [ { "description": "Available credit on your open bankcard or revolving accounts is too low", "code": "39" }, { "description": "Total of all balances on bankcard or revolving accounts is too high", "code": "34" }, { "description": "You have too many delinquent or derogatory accounts", "code": "7" }, { "description": "You have too many inquiries on your credit report.", "code": "85" } ] } ], "creditAttributes": [ { "description": "Number of tradelines", "value": "24" }, { "description": "Average age of open tradelines", "value": "81" }, { "description": "Number of hard inquiries", "value": "63" }, { "description": "Number of payments", "value": "5" } ], "summary": { "totalSecuredDebtAmount": 16650.57, "securedDebtLiabilitiesCount": 5, "totalUnsecuredDebtAmount": 5604.43, "unsecuredDebtLiabilitiesCount": 3, "totalUnsecuredDebtAmountExcludingStudent": 1663.43, "unsecuredDebtLiabilitiesCountExcludingStudent": 2, "totalUnknownDebtAmount": 11686, "unknownDebtLiabilitiesCount": 3 }, "reportStatus": { "status": "SUCCESS" }, "updatedOn": 1678724487204, "createdOn": 1678724480988, "connectionStatus": { "statusCode": 2000, "description": "Authentication is successful.", "lastAuthAttemptOn": 1678724481033, "isAuthSuccessful": true, "isValid": true, "isSecurityStepPending": false, "statusChangeLogs": [], "lastSuccessfulAuthOn": 1678724481033, "dataStatus": { "status": "COMPLETED", "updatedOn": 1678724487181 } } } ], "studentLoans": [ { "studentLoanId": "18cf0dcb-41ef-498b-b340-eef4f5e7fcb0", "displayName": "Nelnet Loan Services", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "2020-12-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 5174, "highCreditAmount": 5174, "accountRating": "1", "liabilitySubtype": "Educational", "debtType": "UNSECURED", "loanType": "UNVERIFIED", "pendingLoanTermInMonthsDerived": 40, "loanTermInMonths": 40, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 0, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 3941 }, "statementSummary": { "statementBalance": 3941, "principalBalance": 3941, "minimumPaymentAmount": 131, "lastPaymentDateWithFormat": { "value": "2022-02", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "AllBanks", "industryCode": "BB", "phoneNumber": "4048277100", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "P.O. BOX 3117", "city": "WINSTON-SALEM", "state": "NC", "zip": "27102" }, "billingAddresses": [ { "addressLine1": "PO Box 2970", "addressLine2": "", "city": "Omaha", "state": "NE", "zip": "68103", "zipExtension": "2970", "reportedDate": "2007-03-30T00:00:00.000Z", "reportedDateWithFormat": { "value": "2007-03-30", "format": "YYYY-MM-DD" }, "addressType": "CURRENT" }, { "addressLine1": "PO Box 826", "addressLine2": "", "city": "Indianapolis ", "state": "IN", "zip": "46206", "reportedDate": "2022-06-13T00:00:00.000Z", "reportedDateWithFormat": { "value": "2022-06-13", "format": "YYYY-MM-DD" }, "addressType": "PREVIOUS" } ] }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "liabilityGroupPayoffQuote": { "availability": "SUPPORTED", "liabilityGroupId": "lc444634-40a8-4a62-849d-4e2db7b8a9ad" }, "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724487099, "createdOn": 1678724487099 } ] } } }, "Response with home loans": { "description": "Response with home loans", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "homeLoanSummary": { "noOfLoans": 2, "currentOutstandingBalance": 7469, "minimumPaymentAmount": 189, "updatedOn": 1678724487040 }, "creditReports": [ { "id": "54b1918e-e232-4ef0-9ae3-b85d4d29ff3e", "sourceBureau": "Equifax", "type": "1_BUREAU.FULL", "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "dateOfBirth": "1967-06-08", "ssn": "6112", "formerNames": [ { "firstName": "CHRISTINE", "middleName": "LUCILLE", "lastName": "GENOVAL" } ], "addresses": [ { "addressLine1": "305 LINDEN AVE", "city": "ATLANTA", "state": "GA", "zip": "30316", "residencyType": "CURRENT", "addressOwnership": "OWN", "addressSource": "OTHER", "residencyDurationInMonths": 2, "reportedDate": "2022-05-04", "reportedDateWithFormat": { "value": "2022-05-04", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" } }, { "addressLine1": "712 MCDOUNGH RD", "city": "HAMPTON", "state": "GA", "zip": "30228", "residencyType": "PREVIOUS", "addressOwnership": "RENT", "addressSource": "AUTOMATED_UPDATE", "residencyDurationInMonths": 2, "reportedDate": "2022-03-02", "reportedDateWithFormat": { "value": "2022-03-02", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "PO BOX 30", "city": "HELEN", "state": "GA", "zip": "30545", "residencyType": "PREVIOUS", "addressOwnership": "BUY", "addressSource": "EQUIFAX", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "1260 NELMS RD", "city": "CARNESVILLE", "state": "GA", "zip": "30521", "residencyType": "PREVIOUS", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "2732 SENECA ST 1FLRR", "city": "MARIETTA", "state": "GA", "zip": "30062", "residencyType": "PREVIOUS" } ], "employmentHistory": [ { "employerName": "Acme Inc", "startDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "reportedDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "employmentStatus": "CURRENT" }, { "position": "Software Engineer", "startDateWithFormat": { "value": "2020-05-01", "format": "YYYY-MM" }, "employmentStatus": "PREVIOUS" } ], "updatedOn": 1678724487191, "createdOn": 1678724480988 }, "inquiries": [ { "inquirerName": "MBGA", "phoneNumber": "1234567890", "inquiryDate": "2020-08-13", "inquirerIndustryCode": "H", "purposeType": "HARD", "sourceBureau": "Equifax", "bureauSubscriberCode": "404HA00354", "address": { "addressLine1": "BR. C GIM-REGION TP", "city": "ROSWELL", "state": "GA", "zip": "30076" } } ], "bankruptcies": [ { "filedDateWithFormat": { "value": "2018-07-19", "format": "YYYY-MM-DD" }, "dispositionDateWithFormat": { "value": "2018-10-29", "format": "YYYY-MM-DD" }, "verifiedDateWithFormat": { "value": "2018-11-30", "format": "YYYY-MM-DD" }, "reportedDateWithFormat": { "value": "2024-11-21", "format": "YYYY-MM-DD" }, "caseNumber": "1886052", "type": "INDIVIDUAL", "filer": "INDIVIDUAL", "disposition": "DISCHARGED_CH_7", "priorDisposition": "VOLUNTARY_CH_7", "liabilityAmount": 5000, "assetAmount": 1500, "exemptAmount": 1000, "court": { "industryType": "Federal", "industryCode": "VF", "bureauSubscriberCode": "180VF00121" }, "narratives": [ { "code": "AV", "description": "Charge" } ] } ], "creditScoreDetails": [ { "reportedDate": "2022-05-06", "riskBasedPricingPercentage": 40, "riskBasedPricingMin": 691, "riskBasedPricingMax": 694, "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "sourceBureau": "Equifax", "factors": [ { "description": "Available credit on your open bankcard or revolving accounts is too low", "code": "39" }, { "description": "Total of all balances on bankcard or revolving accounts is too high", "code": "34" }, { "description": "You have too many delinquent or derogatory accounts", "code": "7" }, { "description": "You have too many inquiries on your credit report.", "code": "85" } ] } ], "creditAttributes": [ { "description": "Number of tradelines", "value": "24" }, { "description": "Average age of open tradelines", "value": "81" }, { "description": "Number of hard inquiries", "value": "63" }, { "description": "Number of payments", "value": "5" } ], "summary": { "totalSecuredDebtAmount": 16650.57, "securedDebtLiabilitiesCount": 5, "totalUnsecuredDebtAmount": 1663.43, "unsecuredDebtLiabilitiesCount": 2, "totalUnsecuredDebtAmountExcludingStudent": 1663.43, "unsecuredDebtLiabilitiesCountExcludingStudent": 2, "totalUnknownDebtAmount": 11686, "unknownDebtLiabilitiesCount": 3 }, "reportStatus": { "status": "SUCCESS" }, "updatedOn": 1678724487204, "createdOn": 1678724480988, "connectionStatus": { "statusCode": 2000, "description": "Authentication is successful.", "lastAuthAttemptOn": 1678724481033, "isAuthSuccessful": true, "isValid": true, "isSecurityStepPending": false, "statusChangeLogs": [], "lastSuccessfulAuthOn": 1678724481033, "dataStatus": { "status": "COMPLETED", "updatedOn": 1678724487181 } } } ], "homeLoans": [ { "homeLoanId": "d7004135-3e8f-4e85-8c10-391ba89db622", "displayName": "Atlantic Mortgage", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "J", "accountOriginationDate": "1998-05-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 17500, "highCreditAmount": 17500, "accountRating": "1", "liabilitySubtype": "ConventionalRealEstateMortgage", "debtType": "SECURED", "pendingLoanTermInMonthsDerived": 83, "loanTermInMonths": 93, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "MORTGAGE", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 10, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0 }, "balanceDetails": { "outstandingBalance": 7469 }, "statementSummary": { "statementBalance": 7469, "principalBalance": 7469, "minimumPaymentAmount": 189, "lastPaymentDateWithFormat": { "value": "2022-02", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "MortgageCompanies", "industryCode": "FM", "phoneNumber": "9042961400", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "4348 SOUTHPOINT BLVD", "city": "JACKSONVILLE", "state": "FL", "zip": "32216", "zipExtension": "0986" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486994, "createdOn": 1678724486994 }, { "homeLoanId": "ac73ed33-61d5-4a9f-a402-db38bbaeb1e9", "displayName": "City Federal Mortgage", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "accountOriginationDate": "2020-01-01", "status": "CLOSED", "interestRateDerived": 0, "loanOriginationAmount": 0, "highCreditAmount": 0, "accountRating": "U", "debtType": "SECURED", "liabilitySubtype": "Mortgage", "pendingLoanTermInMonthsDerived": 348, "loanTermInMonths": 360, "closedDateWithFormat": { "value": "2021-01", "format": "YYYY-MM" }, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "MORTGAGE", "reportedDateWithFormat": { "value": "2022-02-06", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-02", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 12, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "M", "adverseRatingCount": 0, "accountNumberLastFour": "1234", "paymentHistory": { "lastAssessedStatementDate": "2021-12-01", "details": [ { "date": "2021-12-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-11-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-10-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-09-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-08-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-07-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-06-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-05-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-04-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-03-01", "description": "The account is current", "code": "0" }, { "date": "2021-02-01", "description": "The account is current", "code": "0" }, { "date": "2021-01-01", "description": "The account is current", "code": "0" } ] }, "narratives": [ { "code": "IR", "description": "Account closed at consumers request" } ], "ecoaCode": "J" }, "balanceDetails": { "outstandingBalance": 0, "updatedOn": 1707247110168 }, "statementSummary": { "statementBalance": 0, "principalBalance": 0, "minimumPaymentAmount": 0, "lastPaymentDateWithFormat": { "value": "2021-01", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-02-06", "format": "YYYY-MM-DD" }, "dueDate": "2022-03-06", "overduePeriod": "NOT_OVERDUE" }, "creditor": { "phoneNumber": "11708747346", "originalName": "CITY FED MORTGAGE", "address": { "addressLine1": "5396 NORTH REESE AVENUE", "city": "FRESNO", "state": "CA", "zip": "93722" }, "bureauSubscriberCode": "497BB00917", "industryCode": "BB", "industryType": "Commercial banks" }, "updatedOn": 1707247455815, "createdOn": 1707247451125 } ] } } }, "Response with miscellaneous liabilities": { "description": "Response with miscellaneous liabilities", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "miscellaneousLiabilitySummary": { "noOfLoans": 2, "currentOutstandingBalance": 6147, "minimumPaymentAmount": 80, "updatedOn": 1678724486907 }, "creditReports": [ { "id": "54b1918e-e232-4ef0-9ae3-b85d4d29ff3e", "sourceBureau": "Equifax", "type": "1_BUREAU.FULL", "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "dateOfBirth": "1967-06-08", "ssn": "6112", "formerNames": [ { "firstName": "CHRISTINE", "middleName": "LUCILLE", "lastName": "GENOVAL" } ], "addresses": [ { "addressLine1": "305 LINDEN AVE", "city": "ATLANTA", "state": "GA", "zip": "30316", "residencyType": "CURRENT", "addressOwnership": "OWN", "addressSource": "OTHER", "residencyDurationInMonths": 2, "reportedDate": "2022-05-04", "reportedDateWithFormat": { "value": "2022-05-04", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" } }, { "addressLine1": "712 MCDOUNGH RD", "city": "HAMPTON", "state": "GA", "zip": "30228", "residencyType": "PREVIOUS", "addressOwnership": "RENT", "addressSource": "AUTOMATED_UPDATE", "residencyDurationInMonths": 2, "reportedDate": "2022-03-02", "reportedDateWithFormat": { "value": "2022-03-02", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "PO BOX 30", "city": "HELEN", "state": "GA", "zip": "30545", "residencyType": "PREVIOUS", "addressOwnership": "BUY", "addressSource": "EQUIFAX", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "1260 NELMS RD", "city": "CARNESVILLE", "state": "GA", "zip": "30521", "residencyType": "PREVIOUS", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "2732 SENECA ST 1FLRR", "city": "MARIETTA", "state": "GA", "zip": "30062", "residencyType": "PREVIOUS" } ], "employmentHistory": [ { "employerName": "Acme Inc", "startDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "reportedDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "employmentStatus": "CURRENT" }, { "position": "Software Engineer", "startDateWithFormat": { "value": "2020-05-01", "format": "YYYY-MM" }, "employmentStatus": "PREVIOUS" } ], "updatedOn": 1678724487191, "createdOn": 1678724480988 }, "inquiries": [ { "inquirerName": "MBGA", "phoneNumber": "1234567890", "inquiryDate": "2020-08-13", "inquirerIndustryCode": "H", "purposeType": "HARD", "sourceBureau": "Equifax", "bureauSubscriberCode": "404HA00354", "address": { "addressLine1": "BR. C GIM-REGION TP", "city": "ROSWELL", "state": "GA", "zip": "30076" } } ], "bankruptcies": [ { "filedDateWithFormat": { "value": "2018-07-19", "format": "YYYY-MM-DD" }, "dispositionDateWithFormat": { "value": "2018-10-29", "format": "YYYY-MM-DD" }, "verifiedDateWithFormat": { "value": "2018-11-30", "format": "YYYY-MM-DD" }, "reportedDateWithFormat": { "value": "2024-11-21", "format": "YYYY-MM-DD" }, "caseNumber": "1886052", "type": "INDIVIDUAL", "filer": "INDIVIDUAL", "disposition": "DISCHARGED_CH_7", "priorDisposition": "VOLUNTARY_CH_7", "liabilityAmount": 5000, "assetAmount": 1500, "exemptAmount": 1000, "court": { "industryType": "Federal", "industryCode": "VF", "bureauSubscriberCode": "180VF00121" }, "narratives": [ { "code": "AV", "description": "Charge" } ] } ], "creditScoreDetails": [ { "reportedDate": "2022-05-06", "riskBasedPricingPercentage": 40, "riskBasedPricingMin": 691, "riskBasedPricingMax": 694, "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "sourceBureau": "Equifax", "factors": [ { "description": "Available credit on your open bankcard or revolving accounts is too low", "code": "39" }, { "description": "Total of all balances on bankcard or revolving accounts is too high", "code": "34" }, { "description": "You have too many delinquent or derogatory accounts", "code": "7" }, { "description": "You have too many inquiries on your credit report.", "code": "85" } ] } ], "creditAttributes": [ { "description": "Number of tradelines", "value": "24" }, { "description": "Average age of open tradelines", "value": "81" }, { "description": "Number of hard inquiries", "value": "63" }, { "description": "Number of payments", "value": "5" } ], "summary": { "totalSecuredDebtAmount": 16650.57, "securedDebtLiabilitiesCount": 5, "totalUnsecuredDebtAmount": 1663.43, "unsecuredDebtLiabilitiesCount": 2, "totalUnsecuredDebtAmountExcludingStudent": 1663.43, "unsecuredDebtLiabilitiesCountExcludingStudent": 2, "totalUnknownDebtAmount": 11686, "unknownDebtLiabilitiesCount": 3 }, "reportStatus": { "status": "SUCCESS" }, "updatedOn": 1678724487204, "createdOn": 1678724480988, "connectionStatus": { "statusCode": 2000, "description": "Authentication is successful.", "lastAuthAttemptOn": 1678724481033, "isAuthSuccessful": true, "isValid": true, "isSecurityStepPending": false, "statusChangeLogs": [], "lastSuccessfulAuthOn": 1678724481033, "dataStatus": { "status": "COMPLETED", "updatedOn": 1678724487181 } } } ], "miscellaneousLiabilities": [ { "miscellaneousLiabilityId": "02c3cec9-75f7-427d-a1d7-f9252f93cb40", "displayName": "Home Furnishing Rentals", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "1998-08-01", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 0, "highCreditAmount": 0, "accountRating": "1", "liabilitySubtype": "OtherDepartmentAndMailOrder", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 0, "loanTermInMonths": 0, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "REVOLVING", "reportedDateWithFormat": { "value": "2022-03-01", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "DEROGATORY", "reviewedInMonths": 10, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "R", "firstDelinquencyDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "highestAdverseRating": "4", "highestAdverseRatingDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "mostRecentAdverseRating": "4", "mostRecentAdverseRatingDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "adverseRatingCount": 1, "paymentHistory": { "lastAssessedStatementDate": "2022-02-01", "details": [ { "date": "2022-02-01", "description": "No data available for this period", "code": "D" }, { "date": "2022-01-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-12-01", "description": "The account has been late for 4 billing cycles", "code": "4" } ] }, "liabilityTransfers": { "transferredFrom": { "creditorName": "IKEA" } }, "narratives": [ { "code": "EP", "description": "Fixed rate" } ] }, "balanceDetails": { "outstandingBalance": 3347 }, "statementSummary": { "statementBalance": 3347, "principalBalance": 3347, "minimumPaymentAmount": 80, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "CompleteDept.Stores", "industryCode": "DC", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "8725 W. SAHARA AVE.", "city": "THE LAKES", "state": "NV", "zip": "89163" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486907, "createdOn": 1678724486907 }, { "miscellaneousLiabilityId": "c4d3b42a-7ae2-44d0-9c47-f6b5284f1e2b", "displayName": "Bank of America", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "accountOriginationDate": "2024-10-01", "status": "OPEN", "loanOriginationAmount": 2800, "accountRating": "6", "liabilitySubtype": "Collection", "debtType": "UNKNOWN", "accountOwnershipType": "INDIVIDUAL", "accountType": "UNKNOWN", "reportedDate": "2024-11-18", "reportedDateWithFormat": { "value": "2024-11-18", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2024-11-18", "format": "YYYY-MM-DD" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "DEROGATORY", "collectionStatus": "IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "firstDelinquencyDate": "2011-01-01", "firstDelinquencyDateWithFormat": { "value": "2011-01", "format": "YYYY-MM" }, "ecoaCode": "I", "liabilityTransfers": { "transferredFrom": { "creditorName": "CAPITAL ONE" } }, "collectionAccountStatus": "UNPAID", "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 2800, "updatedOn": 1731888000000 }, "capabilities": { "payments": { "billPayment": { "availability": "NOT_SUPPORTED", "description": "INSTITUTION_NOT_SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "statementSummary": { "statementDate": "2024-11-18", "statementBalance": 2800, "principalBalance": 2800, "lastPaymentDate": "2001-01-01", "lastPaymentDateWithFormat": { "value": "2001-01", "format": "YYYY-MM" }, "dueDate": "2024-12-13", "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "Other collection agencies", "industryCode": "YC", "originalName": "BANK OF AMERICA", "bureauSubscriberCode": "401YC00573" }, "updatedOn": 1731952178294, "createdOn": 1731952082115 } ] } } }, "Response with all liability types": { "description": "Response with all liability types", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "autoLoanSummary": { "noOfLoans": 1, "currentOutstandingBalance": 7632, "minimumPaymentAmount": 237, "updatedOn": 1678724486968 }, "homeLoanSummary": { "noOfLoans": 1, "currentOutstandingBalance": 7469, "minimumPaymentAmount": 189, "updatedOn": 1678724487040 }, "creditCardSummary": { "noOfCreditCards": 1, "currentOutstandingBalance": 100, "availableCredit": 500, "updatedOn": 1678724487080, "creditUtilization": 16.67 }, "studentLoanSummary": { "noOfLoans": 1, "currentOutstandingBalance": 3941, "minimumPaymentAmount": 131, "updatedOn": 1678724487132, "liabilityGroupPayoffQuotes": [ { "studentLoanIds": [ "18cf0dcb-41ef-498b-b340-eef4f5e7fcb0" ], "liabilityGroupId": "lc444634-40a8-4a62-849d-4e2db7b8a9ad", "payoffAmount": 28041, "payoffGoodThroughDate": "2025-05-29", "updatedOn": 1678724487132 } ] }, "personalLoanSummary": { "noOfLoans": 1, "currentOutstandingBalance": 2327, "minimumPaymentAmount": 98, "updatedOn": 1678724487171 }, "miscellaneousLiabilitySummary": { "noOfLoans": 2, "currentOutstandingBalance": 6147, "minimumPaymentAmount": 80, "updatedOn": 1678724486907 }, "creditReports": [ { "id": "54b1918e-e232-4ef0-9ae3-b85d4d29ff3e", "sourceBureau": "Equifax", "type": "1_BUREAU.FULL", "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "dateOfBirth": "1967-06-08", "ssn": "6112", "formerNames": [ { "firstName": "CHRISTINE", "middleName": "LUCILLE", "lastName": "GENOVAL" } ], "addresses": [ { "addressLine1": "305 LINDEN AVE", "city": "ATLANTA", "state": "GA", "zip": "30316", "residencyType": "CURRENT", "addressOwnership": "OWN", "addressSource": "OTHER", "residencyDurationInMonths": 2, "reportedDate": "2022-05-04", "reportedDateWithFormat": { "value": "2022-05-04", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" } }, { "addressLine1": "712 MCDOUNGH RD", "city": "HAMPTON", "state": "GA", "zip": "30228", "residencyType": "PREVIOUS", "addressOwnership": "RENT", "addressSource": "AUTOMATED_UPDATE", "residencyDurationInMonths": 2, "reportedDate": "2022-03-02", "reportedDateWithFormat": { "value": "2022-03-02", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "PO BOX 30", "city": "HELEN", "state": "GA", "zip": "30545", "residencyType": "PREVIOUS", "addressOwnership": "BUY", "addressSource": "EQUIFAX", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "1260 NELMS RD", "city": "CARNESVILLE", "state": "GA", "zip": "30521", "residencyType": "PREVIOUS", "residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" } }, { "addressLine1": "2732 SENECA ST 1FLRR", "city": "MARIETTA", "state": "GA", "zip": "30062", "residencyType": "PREVIOUS" } ], "employmentHistory": [ { "employerName": "Acme Inc", "startDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "reportedDateWithFormat": { "value": "2022-05", "format": "YYYY-MM" }, "employmentStatus": "CURRENT" }, { "position": "Software Engineer", "startDateWithFormat": { "value": "2020-05-01", "format": "YYYY-MM" }, "employmentStatus": "PREVIOUS" } ], "updatedOn": 1678724487191, "createdOn": 1678724480988 }, "inquiries": [ { "inquirerName": "MBGA", "phoneNumber": "1234567890", "inquiryDate": "2020-08-13", "inquirerIndustryCode": "H", "purposeType": "HARD", "sourceBureau": "Equifax", "bureauSubscriberCode": "404HA00354", "address": { "addressLine1": "BR. C GIM-REGION TP", "city": "ROSWELL", "state": "GA", "zip": "30076" } } ], "bankruptcies": [ { "filedDateWithFormat": { "value": "2018-07-19", "format": "YYYY-MM-DD" }, "dispositionDateWithFormat": { "value": "2018-10-29", "format": "YYYY-MM-DD" }, "verifiedDateWithFormat": { "value": "2018-11-30", "format": "YYYY-MM-DD" }, "reportedDateWithFormat": { "value": "2024-11-21", "format": "YYYY-MM-DD" }, "caseNumber": "1886052", "type": "INDIVIDUAL", "filer": "INDIVIDUAL", "disposition": "DISCHARGED_CH_7", "priorDisposition": "VOLUNTARY_CH_7", "liabilityAmount": 5000, "assetAmount": 1500, "exemptAmount": 1000, "court": { "industryType": "Federal", "industryCode": "VF", "bureauSubscriberCode": "180VF00121" }, "narratives": [ { "code": "AV", "description": "Charge" } ] } ], "creditScoreDetails": [ { "reportedDate": "2022-05-06", "riskBasedPricingPercentage": 40, "riskBasedPricingMin": 691, "riskBasedPricingMax": 694, "creditScore": 691, "model": "VANTAGE_SCORE_3_0", "sourceBureau": "Equifax", "factors": [ { "description": "Available credit on your open bankcard or revolving accounts is too low", "code": "39" }, { "description": "Total of all balances on bankcard or revolving accounts is too high", "code": "34" }, { "description": "You have too many delinquent or derogatory accounts", "code": "7" }, { "description": "You have too many inquiries on your credit report.", "code": "85" } ] } ], "creditAttributes": [ { "description": "Number of tradelines", "value": "24" }, { "description": "Average age of open tradelines", "value": "81" }, { "description": "Number of hard inquiries", "value": "63" }, { "description": "Number of payments", "value": "5" } ], "summary": { "totalSecuredDebtAmount": 7469, "securedDebtLiabilitiesCount": 1, "totalUnsecuredDebtAmount": 4041, "unsecuredDebtLiabilitiesCount": 2, "totalUnsecuredDebtAmountExcludingStudent": 100, "unsecuredDebtLiabilitiesCountExcludingStudent": 1, "totalUnknownDebtAmount": 13306, "unknownDebtLiabilitiesCount": 3 }, "reportStatus": { "status": "SUCCESS" }, "updatedOn": 1678724487204, "createdOn": 1678724480988, "connectionStatus": { "statusCode": 2000, "description": "Authentication is successful.", "lastAuthAttemptOn": 1678724481033, "isAuthSuccessful": true, "isValid": true, "isSecurityStepPending": false, "statusChangeLogs": [], "lastSuccessfulAuthOn": 1678724481033, "dataStatus": { "status": "COMPLETED", "updatedOn": 1678724487181 } } } ], "homeLoans": [ { "homeLoanId": "d7004135-3e8f-4e85-8c10-391ba89db622", "displayName": "Atlantic Mortgage", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "J", "accountOriginationDate": "1998-05-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 17500, "highCreditAmount": 17500, "accountRating": "1", "liabilitySubtype": "ConventionalRealEstateMortgage", "pendingLoanTermInMonthsDerived": 83, "loanTermInMonths": 93, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "MORTGAGE", "debtType": "SECURED", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 10, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 7469 }, "statementSummary": { "statementBalance": 7469, "principalBalance": 7469, "minimumPaymentAmount": 189, "lastPaymentDateWithFormat": { "value": "2022-02", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "MortgageCompanies", "industryCode": "FM", "phoneNumber": "9042961400", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "4348 SOUTHPOINT BLVD", "city": "JACKSONVILLE", "state": "FL", "zip": "32216", "zipExtension": "0986" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486994, "createdOn": 1678724486994 } ], "autoLoans": [ { "autoLoanId": "75cf4a56-12b0-4fdf-8239-0cd150dc4eb2", "displayName": "Bank of America", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "J", "accountOriginationDate": "2020-03-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 11195, "highCreditAmount": 11195, "accountRating": "1", "liabilitySubtype": "AutoLease", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 23, "loanTermInMonths": 48, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 25, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 7632 }, "statementSummary": { "statementBalance": 7632, "principalBalance": 7632, "minimumPaymentAmount": 237, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "payoffSummary": { "payoffAmount": 7632, "payoffGoodThroughDate": "2023-12-07", "updatedOn": 1734536652280 }, "creditor": { "industryType": "AllBanks", "industryCode": "BB", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "PO BOX 2759", "city": "JACKSONVILLE", "state": "FL", "zip": "32203", "zipExtension": "2759" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "payoffSummary": { "availability": "SUPPORTED" }, "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486921, "createdOn": 1678724486921 } ], "creditCards": [ { "creditCardId": "e455bf2f-6a00-4313-a7de-922d1f530828", "updatedOn": 1678724487063, "createdOn": 1678724487063, "displayName": "TD Bank", "cardProfile": { "ecoaCode": "I", "accountOriginationDate": "2020-08-02T00:00:00.000Z", "status": "OPEN", "creditLimit": 500, "accountRating": "1", "creditUtilization": 16.67, "creditCardNumberMasked": "123456******9993", "liabilitySubtype": "CreditCard", "debtType": "UNSECURED", "closedDateWithFormat": { "value": "2016-07", "format": "YYYY-MM" }, "availableCreditDerived": 500, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "reviewedInMonths": 25, "reportedDateWithFormat": { "value": "2023-02-14", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2023-02-14", "format": "YYYY-MM-DD" }, "accountType": "REVOLVING", "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "R", "limitType": "REGULAR", "highestAdverseRating": "H", "highestAdverseRatingDateWithFormat": { "value": "2022-11", "format": "YYYY-MM" }, "mostRecentAdverseRating": "1", "mostRecentAdverseRatingDateWithFormat": { "value": "2022-12", "format": "YYYY-MM" }, "secondMostRecentAdverseRating": "H", "secondMostRecentAdverseRatingDateWithFormat": { "value": "2022-11", "format": "YYYY-MM" }, "adverseRatingCount": 4, "paymentHistory": { "lastAssessedStatementDate": "2023-01-14", "details": [ { "date": "2023-01-14", "description": "The account is current", "code": "0" }, { "date": "2022-12-14", "description": "The account has been late for 1 billing cycle", "code": "1" }, { "date": "2022-11-14", "description": "The account is in foreclosure", "code": "H" }, { "date": "2022-10-14", "description": "The account is in collections", "code": "G" }, { "date": "2022-09-14", "description": "The account was voluntarily surrendered", "code": "J" }, { "date": "2022-08-14", "description": "No data available for this period", "code": "D" } ] } }, "balanceDetails": { "outstandingBalance": 100, "updatedOn": 1678724487063 }, "statementSummary": { "minimumPaymentAmount": 0, "statementBalance": 0, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE", "amountPastDue": 700, "refreshedFields": { "lastPaymentDate": { "value": "2021-08-21", "format": "YYYY-MM-DD", "updatedOn": 1643917894780 }, "dueDay": { "value": "08", "format": "DD", "updatedOn": 1643917894780 }, "lastPaymentAmount": { "value": 400, "updatedOn": 1643917894780 } } }, "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "creditor": { "originalName": "TD BANK", "industryType": "SalesFinancing", "industryCode": "FF", "phoneNumber": "8663968254", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "C/O P.O. BOX 965036", "city": "ORLANDO", "state": "FL", "zip": "32896", "zipExtension": "5036" } }, "aprs": [ { "rate": 19.99, "type": "PURCHASE", "updatedOn": 1597753517524, "source": "REAL_TIME" }, { "rate": 31.24, "type": "CASH_ADVANCE", "applicableBalance": 88, "expirationDate": "2021-10-31", "updatedOn": 1597753517524, "source": "DERIVED" } ], "capabilities": { "data": { "realtimeBalance": { "availability": "SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" }, "annualPercentageRate": { "availability": "SUPPORTED" } }, "payments": { "billPayment": { "availability": "SUPPORTED" } } } } ], "personalLoans": [ { "personalLoanId": "3969d448-b5ea-47fd-a126-f2677d6b6eb3", "displayName": "Wells Fargo", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "2021-06-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 3093, "highCreditAmount": 3093, "accountRating": "1", "liabilitySubtype": "InstallmentLoan", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 23, "loanTermInMonths": 32, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 9, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 2327, "updatedOn": 1678724487153 }, "statementSummary": { "statementBalance": 2327, "principalBalance": 2327, "minimumPaymentAmount": 98, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "AllBanks", "originalName": "WELLS FARGO", "industryCode": "BB", "phoneNumber": "4048277100", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "P.O. BOX 3117", "city": "WINSTON-SALEM", "state": "NC", "zip": "27102" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724487153, "createdOn": 1678724487153 } ], "studentLoans": [ { "studentLoanId": "18cf0dcb-41ef-498b-b340-eef4f5e7fcb0", "displayName": "Nelnet Loan Services", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "2020-12-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 5174, "highCreditAmount": 5174, "accountRating": "1", "liabilitySubtype": "Educational", "debtType": "UNSECURED", "loanType": "UNVERIFIED", "pendingLoanTermInMonthsDerived": 40, "loanTermInMonths": 40, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 0, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 3941 }, "statementSummary": { "statementBalance": 3941, "principalBalance": 3941, "minimumPaymentAmount": 131, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "AllBanks", "industryCode": "BB", "phoneNumber": "4048277100", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "P.O. BOX 3117", "city": "WINSTON-SALEM", "state": "NC", "zip": "27102" }, "billingAddresses": [ { "addressLine1": "PO Box 2970", "addressLine2": "", "city": "Omaha", "state": "NE", "zip": "68103", "zipExtension": "2970", "reportedDate": "2007-03-30T00:00:00.000Z", "reportedDateWithFormat": { "value": "2007-03-30", "format": "YYYY-MM-DD" }, "addressType": "CURRENT" }, { "addressLine1": "PO Box 826", "addressLine2": "", "city": "Indianapolis ", "state": "IN", "zip": "46206", "reportedDate": "2022-06-13T00:00:00.000Z", "reportedDateWithFormat": { "value": "2022-06-13", "format": "YYYY-MM-DD" }, "addressType": "PREVIOUS" } ] }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "liabilityGroupPayoffQuote": { "availability": "SUPPORTED", "liabilityGroupId": "lc444634-40a8-4a62-849d-4e2db7b8a9ad" }, "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724487099, "createdOn": 1678724487099 } ], "miscellaneousLiabilities": [ { "miscellaneousLiabilityId": "02c3cec9-75f7-427d-a1d7-f9252f93cb40", "displayName": "Home Furnishing Rentals", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "1998-08-01", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 0, "highCreditAmount": 0, "accountRating": "1", "liabilitySubtype": "OtherDepartmentAndMailOrder", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 0, "loanTermInMonths": 0, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "REVOLVING", "accountNumberLastFour": "1234", "reportedDateWithFormat": { "value": "2022-03-01", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "DEROGATORY", "reviewedInMonths": 10, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "R", "firstDelinquencyDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "highestAdverseRating": "4", "highestAdverseRatingDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "mostRecentAdverseRating": "4", "mostRecentAdverseRatingDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "adverseRatingCount": 1, "paymentHistory": { "lastAssessedStatementDate": "2022-02-01", "details": [ { "date": "2022-02-01", "description": "No data available for this period", "code": "D" }, { "date": "2022-01-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-12-01", "description": "The account has been late for 4 billing cycles", "code": "4" } ] }, "liabilityTransfers": { "transferredFrom": { "creditorName": "IKEA" } } }, "balanceDetails": { "outstandingBalance": 3347 }, "statementSummary": { "statementBalance": 3347, "principalBalance": 3347, "minimumPaymentAmount": 80, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "CompleteDept.Stores", "industryCode": "DC", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "8725 W. SAHARA AVE.", "city": "THE LAKES", "state": "NV", "zip": "89163" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486907, "createdOn": 1678724486907 }, { "miscellaneousLiabilityId": "c4d3b42a-7ae2-44d0-9c47-f6b5284f1e2b", "displayName": "Bank of America", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "accountOriginationDate": "2024-10-01", "status": "OPEN", "loanOriginationAmount": 2800, "accountRating": "6", "liabilitySubtype": "Collection", "debtType": "UNKNOWN", "accountOwnershipType": "INDIVIDUAL", "accountType": "UNKNOWN", "reportedDate": "2024-11-18", "accountNumberLastFour": "1234", "reportedDateWithFormat": { "value": "2024-11-18", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2024-11-18", "format": "YYYY-MM-DD" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "DEROGATORY", "collectionStatus": "IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "firstDelinquencyDate": "2011-01-01", "firstDelinquencyDateWithFormat": { "value": "2011-01", "format": "YYYY-MM" }, "ecoaCode": "I", "liabilityTransfers": { "transferredFrom": { "creditorName": "CAPITAL ONE" } }, "collectionAccountStatus": "UNPAID" }, "balanceDetails": { "outstandingBalance": 2800, "updatedOn": 1731888000000 }, "capabilities": { "payments": { "billPayment": { "availability": "NOT_SUPPORTED", "description": "INSTITUTION_NOT_SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "statementSummary": { "statementDate": "2024-11-18", "statementBalance": 2800, "principalBalance": 2800, "lastPaymentDate": "2001-01-01", "lastPaymentDateWithFormat": { "value": "2001-01", "format": "YYYY-MM" }, "dueDate": "2024-12-13", "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "Other collection agencies", "industryCode": "YC", "originalName": "BANK OF AMERICA", "bureauSubscriberCode": "401YC00573" }, "updatedOn": 1731952178294, "createdOn": 1731952082115 } ] } } }, "Response with bank accounts": { "description": "Response with bank accounts", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "bankAccountSummary": { "noOfBankAccounts": 2, "updatedOn": 1713983584987 }, "bankAccounts": [ { "bankAccountId": "8d7a8f54-d9c6-4b39-8fd7-cd4f22d20f59", "accountProfile": { "accountNumberLastFourDigits": "0663", "accountType": "SAVINGS", "balanceDetails": { "accountBalance": 7445.23, "updatedOn": 1597753517524 } }, "capabilities": { "payments": { "billPayment": { "availability": "NOT_SUPPORTED" }, "receiveOnlyPayment": { "availability": "NOT_SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "SUPPORTED" } } }, "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "updatedOn": 1713983584987, "createdOn": 1713983584987 }, { "bankAccountId": "7e7a8f54-d9c6-4b39-8fd7-cd4f22d20f59", "updatedOn": 1713983584987, "createdOn": 1713983584987, "accountProfile": { "firstName": "CHRISTY", "lastName": "JENOVAL", "email": "christy.jenoval@abc.com", "accountType": "CHECKING", "accountNumberLastFourDigits": 1234 }, "capabilities": { "payments": { "billPayment": { "availability": "NOT_SUPPORTED" }, "receiveOnlyPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" } } }, "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png" } ] } } }, "Response with network token": { "description": "Response with network token", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 691, "model": "VANTAGE_SCORE_3_0" }, "autoLoanSummary": { "noOfLoans": 1, "currentOutstandingBalance": 7632, "minimumPaymentAmount": 237, "updatedOn": 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"residencyDurationInMonths": 2, "reportedDate": "2022-03-27", "reportedDateWithFormat": { "value": "2022-03-27", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-01", "format": "YYYY-MM" }, "addressSource": "TRANSUNION" }, { "addressLine1": "2732 SENECA ST 1FLRR", "city": "MARIETTA", "state": "GA", "zip": "30062", "residencyType": "PREVIOUS", "addressSource": "TRANSUNION" } ], "employmentHistory": [ { "employerName": "Bruen, Boehm and Stanton", "reportedDate": "2020-01-01", "reportedDateWithFormat": { "value": "2020-01-01", "format": "YYYY-MM-DD" } } ], "updatedOn": 1678724487191, "createdOn": 1678724480988 }, "inquiries": [ { "inquirerName": "Reilly, McLaughlin and Gulgowski", "inquiryDate": "2020-01-01", "inquirerIndustryCode": "ZB", "purposeType": "HARD", "sourceBureau": "TransUnion", "bureauSubscriberCode": "244ZB00566" } ], "bankruptcies": [ { "filedDateWithFormat": { "value": "2018-07-19", "format": "YYYY-MM-DD" }, "dispositionDateWithFormat": { "value": 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"dataStatus": { "status": "COMPLETED", "updatedOn": 1678724487181 } } } ], "homeLoans": [ { "homeLoanId": "d7004135-3e8f-4e85-8c10-391ba89db622", "displayName": "Atlantic Mortgage", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "J", "accountOriginationDate": "1998-05-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 17500, "highCreditAmount": 17500, "accountRating": "1", "liabilitySubtype": "ConventionalRealEstateMortgage", "pendingLoanTermInMonthsDerived": 83, "loanTermInMonths": 93, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "MORTGAGE", "debtType": "SECURED", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 10, 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1678724486994, "createdOn": 1678724486994 } ], "autoLoans": [ { "autoLoanId": "75cf4a56-12b0-4fdf-8239-0cd150dc4eb2", "displayName": "Bank of America", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "J", "accountOriginationDate": "2020-03-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 11195, "highCreditAmount": 11195, "accountRating": "1", "liabilitySubtype": "AutoLease", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 23, "loanTermInMonths": 48, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 25, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": 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"NOT_OVERDUE" }, "creditor": { "industryType": "Other collection agencies", "industryCode": "YC", "originalName": "BANK OF AMERICA", "bureauSubscriberCode": "401YC00573" }, "updatedOn": 1731952178294, "createdOn": 1731952082115 } ] } } }, "Response with all liabilities and FICO 8 score": { "description": "Response with all liabilities and FICO 8 score", "value": { "status": { "code": 200, "desc": "success" }, "data": { "userId": "fb16f6f7-8268-4d78-8ee9-9be93bc9b2a1", "extUserId": "443115a2-c289-4153-aa0b-e2a5312df76d", "isBorrower": false, "isChampion": false, "updatedOn": 1678724487194, "createdOn": 1678724465287, "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "phoneNumber": "+19198094325", "ssnLastFourDigits": "1234", "addresses": [ { "addressLine1": "21 Pacific St", "city": "Pittsfield", "state": "MA", "zip": "01201-3918" } ], "dob": "1967-06-08", "creditScore": 731, "model": "FICO_SCORE_8" }, "autoLoanSummary": { "noOfLoans": 1, 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"minimumPaymentAmount": 80, "updatedOn": 1678724486907 }, "creditReports": [ { "id": "54b1918e-e232-4ef0-9ae3-b85d4d29ff3e", "sourceBureau": "TransUnion", "type": "1_BUREAU.FULL", "profile": { "firstName": "CHRISTY", "middleName": "L", "lastName": "JENOVAL", "creditScore": 731, "model": "FICO_SCORE_8", "dateOfBirth": "1967-06-08", "ssn": "6112", "formerNames": [ { "firstName": "CHRISTINE", "middleName": "LUCILLE", "lastName": "GENOVAL" } ], "addresses": [ { "addressLine1": "305 LINDEN AVE", "city": "ATLANTA", "state": "GA", "zip": "30316", "residencyType": "CURRENT", "addressOwnership": "OWN", "addressSource": "TRANSUNION", "residencyDurationInMonths": 2, "reportedDate": "2022-05-04", "reportedDateWithFormat": { "value": "2022-05-04", "format": "YYYY-MM-DD" }, "firstReportedDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" } }, { "addressLine1": "712 MCDOUNGH RD", "city": "HAMPTON", "state": "GA", "zip": "30228", "residencyType": "PREVIOUS", "addressOwnership": "RENT", 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"liabilityProfile": { "ecoaCode": "J", "accountOriginationDate": "1998-05-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 17500, "highCreditAmount": 17500, "accountRating": "1", "liabilitySubtype": "ConventionalRealEstateMortgage", "pendingLoanTermInMonthsDerived": 83, "loanTermInMonths": 93, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "MORTGAGE", "debtType": "SECURED", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 10, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 7469 }, "statementSummary": { "statementBalance": 7469, "principalBalance": 7469, "minimumPaymentAmount": 189, "lastPaymentDateWithFormat": { "value": "2022-02", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "MortgageCompanies", "industryCode": "FM", "phoneNumber": "9042961400", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "4348 SOUTHPOINT BLVD", "city": "JACKSONVILLE", "state": "FL", "zip": "32216", "zipExtension": "0986" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486994, "createdOn": 1678724486994 } ], "autoLoans": [ { "autoLoanId": "75cf4a56-12b0-4fdf-8239-0cd150dc4eb2", "displayName": "Bank of America", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "J", "accountOriginationDate": "2020-03-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 11195, "highCreditAmount": 11195, "accountRating": "1", "liabilitySubtype": "AutoLease", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 23, "loanTermInMonths": 48, "accountOwnershipType": "JOINT_CONTRACTUAL_LIABILITY", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 25, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 7632 }, "statementSummary": { "statementBalance": 7632, "principalBalance": 7632, "minimumPaymentAmount": 237, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "payoffSummary": { "payoffAmount": 7632, "payoffGoodThroughDate": "2023-12-07", "updatedOn": 1734536652280 }, "creditor": { "industryType": "AllBanks", "industryCode": "BB", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "PO BOX 2759", "city": "JACKSONVILLE", "state": "FL", "zip": "32203", "zipExtension": "2759" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "payoffSummary": { "availability": "SUPPORTED" }, "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486921, "createdOn": 1678724486921 } ], "creditCards": [ { "creditCardId": "e455bf2f-6a00-4313-a7de-922d1f530828", "updatedOn": 1678724487063, "createdOn": 1678724487063, "displayName": "TD Bank", "cardProfile": { "ecoaCode": "I", "accountOriginationDate": "2020-08-02T00:00:00.000Z", "status": "OPEN", "creditLimit": 500, "accountRating": "1", "creditUtilization": 16.67, "creditCardNumberMasked": "123456******9993", "liabilitySubtype": "CreditCard", "debtType": "UNSECURED", "closedDateWithFormat": { "value": "2016-07", "format": "YYYY-MM" }, "availableCreditDerived": 500, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "reviewedInMonths": 25, "reportedDateWithFormat": { "value": "2023-02-14", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2023-02-14", "format": "YYYY-MM-DD" }, "accountType": "REVOLVING", "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "R", "limitType": "REGULAR", "highestAdverseRating": "H", "highestAdverseRatingDateWithFormat": { "value": "2022-11", "format": "YYYY-MM" }, "mostRecentAdverseRating": "1", "mostRecentAdverseRatingDateWithFormat": { "value": "2022-12", "format": "YYYY-MM" }, "secondMostRecentAdverseRating": "H", "secondMostRecentAdverseRatingDateWithFormat": { "value": "2022-11", "format": "YYYY-MM" }, "adverseRatingCount": 4, "paymentHistory": { "lastAssessedStatementDate": "2023-01-14", "details": [ { "date": "2023-01-14", "description": "The account is current", "code": "0" }, { "date": "2022-12-14", "description": "The account has been late for 1 billing cycle", "code": "1" }, { "date": "2022-11-14", "description": "The account is in foreclosure", "code": "H" }, { "date": "2022-10-14", "description": "The account is in collections", "code": "G" }, { "date": "2022-09-14", "description": "The account was voluntarily surrendered", "code": "J" }, { "date": "2022-08-14", "description": "No data available for this period", "code": "D" } ] } }, "balanceDetails": { "outstandingBalance": 100, "updatedOn": 1678724487063 }, "statementSummary": { "minimumPaymentAmount": 0, "statementBalance": 0, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE", "amountPastDue": 700, "refreshedFields": { "lastPaymentDate": { "value": "2021-08-21", "format": "YYYY-MM-DD", "updatedOn": 1643917894780 }, "dueDay": { "value": "08", "format": "DD", "updatedOn": 1643917894780 }, "lastPaymentAmount": { "value": 400, "updatedOn": 1643917894780 } } }, "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "creditor": { "originalName": "TD BANK", "industryType": "SalesFinancing", "industryCode": "FF", "phoneNumber": "8663968254", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "C/O P.O. BOX 965036", "city": "ORLANDO", "state": "FL", "zip": "32896", "zipExtension": "5036" } }, "aprs": [ { "rate": 19.99, "type": "PURCHASE", "updatedOn": 1597753517524, "source": "REAL_TIME" }, { "rate": 31.24, "type": "CASH_ADVANCE", "applicableBalance": 88, "expirationDate": "2021-10-31", "updatedOn": 1597753517524, "source": "DERIVED" } ], "capabilities": { "data": { "realtimeBalance": { "availability": "SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" }, "annualPercentageRate": { "availability": "SUPPORTED" } }, "payments": { "billPayment": { "availability": "SUPPORTED" } } } } ], "personalLoans": [ { "personalLoanId": "3969d448-b5ea-47fd-a126-f2677d6b6eb3", "displayName": "Wells Fargo", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "2021-06-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 3093, "highCreditAmount": 3093, "accountRating": "1", "liabilitySubtype": "InstallmentLoan", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 23, "loanTermInMonths": 32, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 9, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 2327, "updatedOn": 1678724487153 }, "statementSummary": { "statementBalance": 2327, "principalBalance": 2327, "minimumPaymentAmount": 98, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "AllBanks", "originalName": "WELLS FARGO", "industryCode": "BB", "phoneNumber": "4048277100", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "P.O. BOX 3117", "city": "WINSTON-SALEM", "state": "NC", "zip": "27102" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724487153, "createdOn": 1678724487153 } ], "studentLoans": [ { "studentLoanId": "18cf0dcb-41ef-498b-b340-eef4f5e7fcb0", "displayName": "Nelnet Loan Services", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "2020-12-08", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 5174, "highCreditAmount": 5174, "accountRating": "1", "liabilitySubtype": "Educational", "debtType": "UNSECURED", "loanType": "UNVERIFIED", "pendingLoanTermInMonthsDerived": 40, "loanTermInMonths": 40, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "INSTALLMENT", "reportedDateWithFormat": { "value": "2022-03-08", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "NOT_DEROGATORY", "reviewedInMonths": 0, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "I", "adverseRatingCount": 0, "accountNumberLastFour": "1234" }, "balanceDetails": { "outstandingBalance": 3941 }, "statementSummary": { "statementBalance": 3941, "principalBalance": 3941, "minimumPaymentAmount": 131, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "AllBanks", "industryCode": "BB", "phoneNumber": "4048277100", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "P.O. BOX 3117", "city": "WINSTON-SALEM", "state": "NC", "zip": "27102" }, "billingAddresses": [ { "addressLine1": "PO Box 2970", "addressLine2": "", "city": "Omaha", "state": "NE", "zip": "68103", "zipExtension": "2970", "reportedDate": "2007-03-30T00:00:00.000Z", "reportedDateWithFormat": { "value": "2007-03-30", "format": "YYYY-MM-DD" }, "addressType": "CURRENT" }, { "addressLine1": "PO Box 826", "addressLine2": "", "city": "Indianapolis ", "state": "IN", "zip": "46206", "reportedDate": "2022-06-13T00:00:00.000Z", "reportedDateWithFormat": { "value": "2022-06-13", "format": "YYYY-MM-DD" }, "addressType": "PREVIOUS" } ] }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "liabilityGroupPayoffQuote": { "availability": "SUPPORTED", "liabilityGroupId": "lc444634-40a8-4a62-849d-4e2db7b8a9ad" }, "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724487099, "createdOn": 1678724487099 } ], "miscellaneousLiabilities": [ { "miscellaneousLiabilityId": "02c3cec9-75f7-427d-a1d7-f9252f93cb40", "displayName": "Home Furnishing Rentals", "logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png", "liabilityProfile": { "ecoaCode": "I", "accountOriginationDate": "1998-08-01", "status": "OPEN", "interestRateDerived": 0.1122, "loanOriginationAmount": 0, "highCreditAmount": 0, "accountRating": "1", "liabilitySubtype": "OtherDepartmentAndMailOrder", "debtType": "UNKNOWN", "pendingLoanTermInMonthsDerived": 0, "loanTermInMonths": 0, "accountOwnershipType": "INDIVIDUAL", "termsFrequency": "MONTHLY", "accountType": "REVOLVING", "accountNumberLastFour": "1234", "reportedDateWithFormat": { "value": "2022-03-01", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "DEROGATORY", "reviewedInMonths": 10, "collectionStatus": "NOT_IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "accountTypeCode": "R", "firstDelinquencyDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "highestAdverseRating": "4", "highestAdverseRatingDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "mostRecentAdverseRating": "4", "mostRecentAdverseRatingDateWithFormat": { "value": "2021-12", "format": "YYYY-MM" }, "adverseRatingCount": 1, "paymentHistory": { "lastAssessedStatementDate": "2022-02-01", "details": [ { "date": "2022-02-01", "description": "No data available for this period", "code": "D" }, { "date": "2022-01-01", "description": "No data available for this period", "code": "D" }, { "date": "2021-12-01", "description": "The account has been late for 4 billing cycles", "code": "4" } ] }, "liabilityTransfers": { "transferredFrom": { "creditorName": "IKEA" } } }, "balanceDetails": { "outstandingBalance": 3347 }, "statementSummary": { "statementBalance": 3347, "principalBalance": 3347, "minimumPaymentAmount": 80, "lastPaymentDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "statementDateWithFormat": { "value": "2022-03", "format": "YYYY-MM" }, "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "CompleteDept.Stores", "industryCode": "DC", "bureauSubscriberCode": "401BB00573", "address": { "addressLine1": "8725 W. SAHARA AVE.", "city": "THE LAKES", "state": "NV", "zip": "89163" } }, "capabilities": { "payments": { "billPayment": { "availability": "SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "updatedOn": 1678724486907, "createdOn": 1678724486907 }, { "miscellaneousLiabilityId": "c4d3b42a-7ae2-44d0-9c47-f6b5284f1e2b", "displayName": "Bank of America", "logoUrl": "https://cdn.spinwheel.io/images/logo/ebd6dab9-4558-40c4-8c21-65070a07df5a.png", "liabilityProfile": { "accountOriginationDate": "2024-10-01", "status": "OPEN", "loanOriginationAmount": 2800, "accountRating": "6", "liabilitySubtype": "Collection", "debtType": "UNKNOWN", "accountOwnershipType": "INDIVIDUAL", "accountType": "UNKNOWN", "reportedDate": "2024-11-18", "accountNumberLastFour": "1234", "reportedDateWithFormat": { "value": "2024-11-18", "format": "YYYY-MM-DD" }, "lastActivityDateWithFormat": { "value": "2024-11-18", "format": "YYYY-MM-DD" }, "consumerDisputeStatus": "NOT_DISPUTED", "derogatoryDataStatus": "DEROGATORY", "collectionStatus": "IN_COLLECTION", "chargeOffStatus": "NOT_CHARGED_OFF", "firstDelinquencyDate": "2011-01-01", "firstDelinquencyDateWithFormat": { "value": "2011-01", "format": "YYYY-MM" }, "ecoaCode": "I", "liabilityTransfers": { "transferredFrom": { "creditorName": "CAPITAL ONE" } }, "collectionAccountStatus": "UNPAID" }, "balanceDetails": { "outstandingBalance": 2800, "updatedOn": 1731888000000 }, "capabilities": { "payments": { "billPayment": { "availability": "NOT_SUPPORTED", "description": "INSTITUTION_NOT_SUPPORTED" } }, "data": { "realtimeBalance": { "availability": "NOT_SUPPORTED" }, "statementSummary": { "availability": "SUPPORTED" } } }, "statementSummary": { "statementDate": "2024-11-18", "statementBalance": 2800, "principalBalance": 2800, "lastPaymentDate": "2001-01-01", "lastPaymentDateWithFormat": { "value": "2001-01", "format": "YYYY-MM" }, "dueDate": "2024-12-13", "overduePeriod": "NOT_OVERDUE" }, "creditor": { "industryType": "Other collection agencies", "industryCode": "YC", "originalName": "BANK OF AMERICA", "bureauSubscriberCode": "401YC00573" }, "updatedOn": 1731952178294, "createdOn": 1731952082115 } ] } } } } } } }, "206": { "description": "This occurs when there is a risk factor detected for a user. Some reasons can pertain to soft or hard locks on the user's credit file, or fraud risk related reasons.", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/FraudulentReportResponse" } } } }, "400": { "description": "Bad request response", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/BadRequestResponse" } } } }, "401": { "description": "Unauthorized response", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/UnauthorizedResponse" } } } }, "404": { "description": "Not found response", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/NotFoundResponse" } } } }, "500": { "description": "Internal server error response", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/InternalServerErrorResponse" } } } } }, "tags": [ "User Management" ], "security": [ { "bearerAuth": [] } ] } } }, "info": { "title": "Optimize", "description": "Welcome to Spinwheel's documentation! ", "version": "1.0", "contact": {} }, "tags": [ { "name": "User Management" } ], "servers": [ { "url": "https://sandbox-api.spinwheel.io" }, { "url": "https://api.spinwheel.io" }, { "url": "https://secure-api.spinwheel.io" }, { "url": "https://secure-sandbox-api.spinwheel.io" } ], "components": { "securitySchemes": { "bearerAuth": { "type": "apiKey", "in": "header", "name": "Authorization", "description": "Once you've created a Spinwheel account and received credentials, you can access all of Spinwheel's APIs using a server-to-server call (in order to protect your credentials). When calling an API simply include your secretKey as a bearer token in an auth header like so: \n\n `Authorization: Bearer 8ae8d6fa-df8d-4c5d-9f9b-c4e4c10968b0`" } }, "schemas": { "BadRequest": { "type": "object", "properties": { "code": { "type": "number", "example": 400 }, "desc": { "type": "string", "example": "Bad request" } }, "required": [ "code", "desc" ] }, "BadRequestResponse": { "type": "object", "properties": { "status": { "$ref": "#/components/schemas/BadRequest" } }, "required": [ "status" ] }, "Unauthorized": { "type": "object", "properties": { "code": { "type": "number", "example": 401 }, "desc": { "type": "string", "example": "Invalid private key" } }, "required": [ "code", "desc" ] }, "UnauthorizedResponse": { "type": "object", "properties": { "status": { "$ref": "#/components/schemas/Unauthorized" } }, "required": [ "status" ] }, "NotFound": { "type": "object", "properties": { "code": { "type": "number", "example": 404 }, "desc": { "type": "string", "example": "Resource not found" } }, "required": [ "code", "desc" ] }, "NotFoundResponse": { "type": "object", "properties": { "status": { "$ref": "#/components/schemas/NotFound" } }, "required": [ "status" ] }, "InternalServerError": { "type": "object", "properties": { "code": { "type": "number", "example": 500 }, "desc": { "type": "string", "example": "Internal server error" } }, "required": [ "code", "desc" ] }, "InternalServerErrorResponse": { "type": "object", "properties": { "status": { "$ref": "#/components/schemas/InternalServerError" } }, "required": [ "status" ] }, "Message": { "type": "object", "properties": { "desc": { "type": "string", "example": "Example status description" }, "type": { "enum": [ "ERROR", "WARN", "INFO" ], "type": "string", "example": "ERROR" } }, "required": [ "desc" ] }, "ResponseStatus": { "type": "object", "properties": { "code": { "type": "number", "example": 200 }, "desc": { "type": "string", "example": "success" }, "messages": { "example": [ { "desc": "Example description" } ], "type": "array", "items": { "$ref": "#/components/schemas/Message" } } } }, "Address": { "type": "object", "properties": { "addressLine1": { "type": "string", "maxLength": 50, "example": "123 Main Street" }, "addressLine2": { "type": "string", "maxLength": 50, "example": "Unit 208" }, "city": { "type": "string", "maxLength": 50, "example": "San Francisco" }, "state": { "type": "string", "enum": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DC", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "Ne", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "example": "CA" }, "zip": { "type": "string", "minLength": 5, "maxLength": 5, "example": "90211" }, "zipExtension": { "type": "string", "minLength": 4, "maxLength": 4, "example": "1234" } }, "required": [ "addressLine1", "city", "state", "zip" ] }, "ProfileUser": { "type": "object", "properties": { "firstName": { "type": "string", "description": "First name" }, "middleName": { "type": "string", "description": "Middle name" }, "lastName": { "type": "string", "description": "Last name" }, "emailAddress": { "type": "string", "description": "Email address" }, "creditScore": { "type": "number", "description": "Credit score" }, "model": { "enum": [ "VANTAGE_SCORE_3_0", "FICO_SCORE_4", "FICO_SCORE_8" ], "type": "string", "description": "Scoring model", "example": "VANTAGE_SCORE_3_0" }, "dob": { "type": "string", "description": "Date of birth" }, "phoneNumber": { "type": "string", "description": "Phone number" }, "ssnLastFourDigits": { "type": "string", "description": "Last 4 digits of the ssn", "example": "1234" }, "ssn": { "type": "string" }, "addresses": { "type": "array", "items": { "$ref": "#/components/schemas/Address" } } }, "required": [ "firstName", "lastName", "ssnLastFourDigits" ] }, "AutoLoanSummary": { "type": "object", "properties": { "noOfLoans": { "type": "number", "example": 5 }, "currentOutstandingBalance": { "type": "number", "example": 5 }, "minimumPaymentAmount": { "type": "number", "example": 5000 }, "interestRate": { "type": "number", "example": 2.1 }, "interestRateDerived": { "type": "number", "example": 2.1 }, "updatedOn": { "type": "number", "example": 1643917895192 }, "createdOn": { "type": "number", "example": 1643917895192 } }, "required": [ "noOfLoans", "currentOutstandingBalance", "minimumPaymentAmount" ] }, "HomeLoanSummary": { "type": "object", "properties": { "noOfLoans": { "type": "number", "example": 3 }, "currentOutstandingBalance": { "type": "number", "example": 1232.12 }, "minimumPaymentAmount": { "type": "number", "example": 250 }, "interestRate": { "type": "number", "example": 3.4 }, "interestRateDerived": { "type": "number", "example": 3.4 }, "updatedOn": { "type": "number", "example": 1643917895192 }, "createdOn": { "type": "number", "example": 1643917895192 } }, "required": [ "noOfLoans", "currentOutstandingBalance", "minimumPaymentAmount" ] }, "MiscellaneousLiabilitySummary": { "type": "object", "properties": { "noOfLoans": { "type": "number", "example": 5 }, "currentOutstandingBalance": { "type": "number", "example": 5 }, "minimumPaymentAmount": { "type": "number", "example": 5000 }, "interestRate": { "type": "number", "example": 2.1 }, "interestRateDerived": { "type": "number", "example": 2.1 }, "updatedOn": { "type": "number", "example": 1643917895192 }, "createdOn": { "type": "number", "example": 1643917895192 } }, "required": [ "noOfLoans", "currentOutstandingBalance", "minimumPaymentAmount" ] }, "CreditCardSummary": { "type": "object", "properties": { "noOfCreditCards": { "type": "number", "example": 1 }, "currentOutstandingBalance": { "type": "number", "example": 5433.12 }, "availableCredit": { "type": "number", "example": 1200 }, "creditUtilization": { "type": "number", "example": 45.2, "description": "This field represents the credit utilization rate, expressed as a percentage. It indicates the proportion of a credit limit that is currently being used across all cards for a user." }, "updatedOn": { "type": "number", "example": 1643917895192 }, "createdOn": { "type": "number", "example": 1643917895192 } }, "required": [ "noOfCreditCards", "currentOutstandingBalance", "availableCredit" ] }, "PersonalLoanSummary": { "type": "object", "properties": { "noOfLoans": { "type": "number" }, "currentOutstandingBalance": { "type": "number" }, "minimumPaymentAmount": { "type": "number" }, "interestRate": { "type": "number" }, "interestRateDerived": { "type": "number" }, "updatedOn": { "type": "number" }, "createdOn": { "type": "number" } }, "required": [ "noOfLoans", "currentOutstandingBalance", "minimumPaymentAmount" ] }, "LiabilityGroupPayoffQuote": { "type": "object", "properties": { "studentLoanIds": { "example": [ "cc444634-40a8-4a62-849d-4e2db7b8a9ad", "76dcd699-2f21-49b5-9c09-6aa02b5c6529" ], "type": "array", "items": { "type": "string" } }, "liabilityGroupId": { "type": "string", "example": "lc444634-40a8-4a62-849d-4e2db7b8a9ad" }, "payoffAmount": { "type": "number", "example": 28041 }, "payoffGoodThroughDate": { "type": "string", "example": "2025-05-29" }, "updatedOn": { "type": "number", "example": 1678724487132 } }, "required": [ "studentLoanIds", "liabilityGroupId", "payoffAmount", "payoffGoodThroughDate", "updatedOn" ] }, "StudentLoanSummary": { "type": "object", "properties": { "noOfLoans": { "type": "number", "example": 5 }, "currentOutstandingBalance": { "type": "number", "example": 5 }, "minimumPaymentAmount": { "type": "number", "example": 5000 }, "interestRate": { "type": "number", "example": 2.1 }, "interestRateDerived": { "type": "number", "example": 2.1 }, "updatedOn": { "type": "number", "example": 1643917895192 }, "createdOn": { "type": "number", "example": 1643917895192 }, "liabilityGroupPayoffQuotes": { "description": "List of payoff quotes grouped by liability group", "type": "array", "items": { "$ref": "#/components/schemas/LiabilityGroupPayoffQuote" } } }, "required": [ "noOfLoans", "currentOutstandingBalance", "minimumPaymentAmount" ] }, "BankAccountSummary": { "type": "object", "properties": { "noOfBankAccounts": { "type": "number", "example": 5 }, "updatedOn": { "type": "number", "example": 1643917895192 } }, "required": [ "noOfBankAccounts" ] }, "ReportStatus": { "type": "object", "properties": { "status": { "enum": [ "SUCCESS", "FROZEN_REPORT", "FRAUD_INDICATOR" ], "type": "string", "example": "SUCCESS", "description": "The outcome of the credit report retrieval: SUCCESS, FROZEN_REPORT (consumer freeze), or FRAUD_INDICATOR (fraud alert on file)" }, "reason": { "type": "string", "description": "Optional reason describing the report status e.g. \"Frozen by consumer as allowed by state law. File is returned due to exempted use.\" or \"Fraud alert on file.\"" } }, "required": [ "status" ] }, "FormerName": { "type": "object", "properties": { "firstName": { "type": "string", "description": "Former first name", "example": "John" }, "middleName": { "type": "string", "description": "Former middle name", "example": "L" }, "lastName": { "type": "string", "description": "Former last name", "example": "Doe" } }, "required": [ "firstName", "lastName" ] }, "DateWithFormat": { "type": "object", "properties": { "value": { "type": "string", "description": "Date value in format YYYY-MM-DD or YYYY-MM or YYYY", "example": "2020-01-01", "format": "date" }, "format": { "type": "string", "description": "Format of the date value. Possible values: YYYY-MM-DD, YYYY-MM, YYYY", "example": "YYYY-MM-DD" } }, "required": [ "value", "format" ] }, "CreditReportAddress": { "type": "object", "properties": { "addressLine1": { "type": "string", "maxLength": 50, "example": "123 Main Street" }, "addressLine2": { "type": "string", "maxLength": 50, "example": "Unit 208" }, "city": { "type": "string", "maxLength": 50, "example": "San Francisco" }, "state": { "type": "string", "enum": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DC", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "Ne", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "example": "CA" }, "zip": { "type": "string", "minLength": 5, "maxLength": 5, "example": "90211" }, "zipExtension": { "type": "string", "minLength": 4, "maxLength": 4, "example": "1234" }, "residencyType": { "enum": [ "PREVIOUS", "CURRENT" ], "type": "string", "description": "Residency type." }, "addressOwnership": { "enum": [ "RENT", "OWN", "BUY" ], "type": "string", "description": "Ownership status of the address." }, "addressSource": { "enum": [ "EQUIFAX", "TRANSUNION", "OTHER", "AUTOMATED_UPDATE" ], "type": "string", "description": "Source of the address information." }, "residencyDurationInMonths": { "type": "number", "description": "Length of stay in months at a specific address.", "example": 2 }, "reportedDate": { "format": "date-time", "type": "string", "description": "The date the address was reported to the credit bureau", "example": "2020-01-01" }, "reportedDateWithFormat": { "description": "The reported date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "firstReportedDateWithFormat": { "description": "The first reported date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] } }, "required": [ "addressLine1", "city", "state", "zip" ] }, "CreditEmploymentHistory": { "type": "object", "properties": { "employerName": { "type": "string", "description": "Employer name", "example": "Acme Inc" }, "position": { "type": "string", "description": "Employment position", "example": "Software Engineer" }, "startDateWithFormat": { "description": "Employment start date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "reportedDateWithFormat": { "description": "Employment reported date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "employmentStatus": { "enum": [ "CURRENT", "PREVIOUS" ], "type": "string", "description": "Employment status" } } }, "CreditProfile": { "type": "object", "properties": { "firstName": { "type": "string", "example": "CHRISTY" }, "middleName": { "type": "string", "example": "L" }, "lastName": { "type": "string", "example": "JENOVAL" }, "creditScore": { "type": "number", "example": 720 }, "model": { "enum": [ "VANTAGE_SCORE_3_0", "FICO_SCORE_4", "FICO_SCORE_8" ], "type": "string", "description": "Scoring model", "example": "VANTAGE_SCORE_3_0" }, "ssn": { "type": "string", "description": "The last 4 digits of the user's ssn", "example": "1234" }, "dateOfBirth": { "format": "date-time", "type": "string", "example": "1980-01-01" }, "updatedOn": { "type": "number", "example": 1597753517524 }, "createdOn": { "type": "number", "example": 1597753517524 }, "formerNames": { "description": "Former names of the user.", "type": "array", "items": { "$ref": "#/components/schemas/FormerName" } }, "addresses": { "type": "array", "items": { "$ref": "#/components/schemas/CreditReportAddress" } }, "employmentHistory": { "type": "array", "items": { "$ref": "#/components/schemas/CreditEmploymentHistory" } } } }, "InquiryAddress": { "type": "object", "properties": { "addressLine1": { "type": "string", "maxLength": 50, "example": "123 Main Street" }, "addressLine2": { "type": "string", "maxLength": 50, "example": "Unit 208" }, "city": { "type": "string", "maxLength": 50, "example": "San Francisco" }, "state": { "type": "string", "example": "CA", "enum": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DC", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "Ne", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ] }, "zip": { "type": "string", "example": "90211" }, "zipExtension": { "type": "string", "example": "1234" } }, "required": [ "addressLine1", "city", "zip" ] }, "Inquiry": { "type": "object", "properties": { "inquirerName": { "type": "string", "description": "Inquirer name", "example": "SHOPPERS CHARGE ACCO" }, "address": { "description": "Inquirer address", "allOf": [ { "$ref": "#/components/schemas/InquiryAddress" } ] }, "phoneNumber": { "type": "string", "description": "Inquirer phone number", "example": "2018184000" }, "inquiryDate": { "format": "date-time", "type": "string", "description": "Inquiry date", "example": "2021-01-01" }, "inquirerIndustryCode": { "type": "string", "description": "Inquirer industry code", "example": "C" }, "purposeType": { "enum": [ "HARD", "SOFT", "OTHER" ], "type": "string", "description": "Purpose type" }, "sourceBureau": { "enum": [ "Equifax", "Experian", "TransUnion" ], "type": "string", "description": "Source bureau" }, "bureauSubscriberCode": { "type": "string", "description": "Bureau subscriber code", "example": "444CG00377" } } }, "Court": { "type": "object", "properties": { "industryType": { "type": "string", "description": "Industry type of the court.", "example": "Federal" }, "industryCode": { "type": "string", "description": "Industry code of the court.", "example": "VF" }, "bureauSubscriberCode": { "type": "string", "description": "Court costumer number.", "example": "815VF20128" } } }, "Narratives": { "type": "object", "properties": { "code": { "type": "string", "description": "Narrative's code", "example": "EP" }, "description": { "type": "string", "description": "Narrative's description", "example": "Fixed rate" } } }, "Bankruptcy": { "type": "object", "properties": { "filedDateWithFormat": { "description": "Date the bankruptcy was filed, with format.", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "dispositionDateWithFormat": { "description": "Date the bankruptcy was disposed, with format.", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "verifiedDateWithFormat": { "description": "Date the bankruptcy was verified, with format.", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "reportedDateWithFormat": { "description": "Date the bankruptcy was reported, with format.", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "caseNumber": { "type": "string", "description": "Bankruptcy case number.", "example": "1787775" }, "type": { "enum": [ "INDIVIDUAL", "BUSINESS" ], "type": "string", "description": "Type of bankruptcy filed." }, "filer": { "enum": [ "INDIVIDUAL", "JOINT" ], "type": "string", "description": "Entity or person(s) filing for bankruptcy." }, "disposition": { "enum": [ "FILED_CH_11", "FILED_CH_12", "FILED_CH_13", "DISCHARGED_CH_7", "DISCHARGED_CH_11", "DISCHARGED_CH_12", "DISCHARGED_CH_13", "DISMISSED_OR_CLOSED_CH_7", "DISMISSED_OR_CLOSED_CH_11", "DISMISSED_OR_CLOSED_CH_12", "DISMISSED_OR_CLOSED_CH_13", "INVOLUNTARY_CH_7", "VOLUNTARY_CH_7" ], "type": "string", "description": "Current disposition of the bankruptcy case." }, "priorDisposition": { "enum": [ "FILED_CH_11", "FILED_CH_12", "FILED_CH_13", "DISCHARGED_CH_7", "DISCHARGED_CH_11", "DISCHARGED_CH_12", "DISCHARGED_CH_13", "DISMISSED_OR_CLOSED_CH_7", "DISMISSED_OR_CLOSED_CH_11", "DISMISSED_OR_CLOSED_CH_12", "DISMISSED_OR_CLOSED_CH_13", "INVOLUNTARY_CH_7", "VOLUNTARY_CH_7" ], "type": "string", "description": "Prior disposition of the bankruptcy case." }, "liabilityAmount": { "type": "number", "description": "Total liability amount for the bankruptcy.", "example": 5000 }, "assetAmount": { "type": "number", "description": "Total asset amount for the bankruptcy.", "example": 5000 }, "exemptAmount": { "type": "number", "description": "Exempted amount in the bankruptcy.", "example": 5000 }, "court": { "description": "Court handling the bankruptcy case.", "allOf": [ { "$ref": "#/components/schemas/Court" } ] }, "narratives": { "description": "Narratives related to the bankruptcy.", "type": "array", "items": { "$ref": "#/components/schemas/Narratives" } } } }, "Factor": { "type": "object", "properties": { "code": { "type": "string", "description": "Factor's code" }, "description": { "type": "string", "description": "Factor's description" } } }, "CreditScoreDetails": { "type": "object", "properties": { "reportedDate": { "format": "date-time", "type": "string", "description": "Credit score date", "example": "2021-01-01" }, "riskBasedPricingPercentage": { "type": "number", "description": "Credit score's risk based pricing percentage" }, "riskBasedPricingMin": { "type": "number", "description": "Credit score's risk based pricing minimum" }, "riskBasedPricingMax": { "type": "number", "description": "Credit score's risk based pricing maximum" }, "creditScore": { "type": "number", "description": "Credit score" }, "model": { "enum": [ "VANTAGE_SCORE_3_0", "FICO_SCORE_4", "FICO_SCORE_8" ], "type": "string", "description": "Scoring model" }, "sourceBureau": { "enum": [ "Equifax", "Experian", "TransUnion" ], "type": "string", "description": "Source bureau" }, "factors": { "description": "Credit score factors", "type": "array", "items": { "$ref": "#/components/schemas/Factor" } } } }, "CreditAttribute": { "type": "object", "properties": { "description": { "type": "string", "description": "Attribute's description", "example": "Number of tradelines" }, "value": { "type": "string", "description": "Attribute's value", "example": "24" } } }, "CreditReportSummary": { "type": "object", "properties": { "totalSecuredDebtAmount": { "type": "number", "description": "Total secured debt amount", "example": 10000 }, "securedDebtLiabilitiesCount": { "type": "number", "description": "Total secured debt liabilities count", "example": 10 }, "totalUnsecuredDebtAmount": { "type": "number", "description": "Total unsecured debt amount", "example": 10000 }, "unsecuredDebtLiabilitiesCount": { "type": "number", "description": "Total unsecured debt liabilities count", "example": 10 }, "totalUnsecuredDebtExcludingStudent": { "type": "number", "description": "Total unsecured debt amount excluding student loans", "example": 10000 }, "unsecuredDebtExcludingStudentCount": { "type": "number", "description": "Total unsecured debt liabilities count excluding student loans", "example": 10 }, "totalUnknownDebtAmount": { "type": "number", "description": "Total unknown debt amount", "example": 10000 }, "unknownDebtLiabilitiesCount": { "type": "number", "description": "Total unknown debt liabilities count", "example": 10 } }, "required": [ "totalSecuredDebtAmount", "securedDebtLiabilitiesCount", "totalUnsecuredDebtAmount", "unsecuredDebtLiabilitiesCount", "totalUnsecuredDebtExcludingStudent", "unsecuredDebtExcludingStudentCount", "totalUnknownDebtAmount", "unknownDebtLiabilitiesCount" ] }, "StatusLog": { "type": "object", "properties": { "previousStatus": { "type": "string", "enum": [ "VALID", "INVALID" ] }, "updatedStatus": { "type": "string", "enum": [ "VALID", "INVALID" ] }, "statusUpdateTs": { "type": "number" } }, "required": [ "previousStatus", "updatedStatus", "statusUpdateTs" ] }, "DataStatus": { "type": "object", "properties": { "status": { "type": "string", "enum": [ "IN_PROGRESS", "COMPLETED", "ERROR", "Success" ], "example": "COMPLETED" }, "updatedOn": { "type": "number", "example": 1707932729200 } }, "required": [ "status" ] }, "ConnectionStatus": { "type": "object", "properties": { "isValid": { "type": "boolean", "example": true }, "statusCode": { "type": "number", "example": 2000, "description": "Status codes to represent the current state of this connection" }, "description": { "type": "string", "example": "User has successfully authenticated" }, "userAction": { "type": "string" }, "isAuthSuccessful": { "type": "boolean", "example": true }, "isSecurityStepPending": { "type": "boolean", "example": false }, "isQuestionStepPending": { "type": "boolean", "example": false }, "lastSuccessfulAuthOn": { "type": "number", "example": 1614602485926 }, "lastAuthAttemptOn": { "type": "number", "example": 1614602485926 }, "statusChangeLogs": { "type": "array", "items": { "$ref": "#/components/schemas/StatusLog" } }, "dataStatus": { "$ref": "#/components/schemas/DataStatus" } }, "required": [ "statusCode", "description", "dataStatus" ] }, "CreditReport": { "type": "object", "properties": { "id": { "type": "string", "example": "abaa6d3f-e2a3-456e-b727-12f683efb717" }, "sourceBureau": { "enum": [ "Equifax", "Experian", "TransUnion" ], "type": "string", "example": "Equifax", "description": "The bureau that the credit report was sourced from" }, "type": { "type": "string", "enum": [ "1_BUREAU.FULL" ], "example": "1_BUREAU.FULL", "description": "The type of credit report used to generate the response" }, "reportStatus": { "description": "Status of the credit report (e.g. SUCCESS, FROZEN_REPORT, FRAUD_INDICATOR)", "allOf": [ { "$ref": "#/components/schemas/ReportStatus" } ] }, "profile": { "$ref": "#/components/schemas/CreditProfile" }, "inquiries": { "type": "array", "items": { "$ref": "#/components/schemas/Inquiry" } }, "bankruptcies": { "type": "array", "items": { "$ref": "#/components/schemas/Bankruptcy" } }, "creditScoreDetails": { "type": "array", "items": { "$ref": "#/components/schemas/CreditScoreDetails" } }, "creditAttributes": { "type": "array", "items": { "$ref": "#/components/schemas/CreditAttribute" } }, "summary": { "$ref": "#/components/schemas/CreditReportSummary" }, "connectionStatus": { "$ref": "#/components/schemas/ConnectionStatus" }, "updatedOn": { "type": "number" }, "createdOn": { "type": "number" } } }, "LiabilityTransfer": { "type": "object", "properties": { "creditorName": { "type": "string", "description": "Creditor name", "example": "MASTERCARD" } }, "required": [ "creditorName" ] }, "LiabilityTransfers": { "type": "object", "properties": { "transferredFrom": { "description": "Represents the liability details from where the liability has been transferred", "allOf": [ { "$ref": "#/components/schemas/LiabilityTransfer" } ] }, "transferredTo": { "description": "Represents the liability details to where the liability has been transferred", "allOf": [ { "$ref": "#/components/schemas/LiabilityTransfer" } ] } } }, "PaymentHistoryDetails": { "type": "object", "properties": { "date": { "format": "date", "type": "string", "description": "Date of billing period", "example": "2020-01-01" }, "description": { "type": "string", "description": "Description of the payment", "example": "The account is current" }, "code": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Code representing the payment status", "example": "1" } } }, "PaymentHistory": { "type": "object", "properties": { "lastAssessedStatementDate": { "format": "date", "type": "string", "description": "Date of the last assessed statement", "example": "2020-01-01" }, "details": { "type": "array", "items": { "$ref": "#/components/schemas/PaymentHistoryDetails" } } } }, "LiabilityProfile": { "type": "object", "properties": { "accountOriginationDate": { "format": "date", "type": "string", "description": "Date of account origination", "example": "2023-01-15" }, "status": { "enum": [ "OPEN", "CLOSED" ], "type": "string", "description": "Liability status" }, "interestRateDerived": { "type": "number", "description": "Interest rate derived", "example": 3.5 }, "loanOriginationAmount": { "type": "number", "description": "Loan origination amount", "example": 5000 }, "highCreditAmount": { "type": "number", "description": "Represents the highest balance or amount of credit owed on a specific account during a specific period, as reported by the creditor", "example": 5000 }, "accountRating": { "type": "string", "description": "Account rating", "example": "1" }, "liabilitySubtype": { "type": "string", "description": "Subtype of liability", "example": "ConventionalRealEstateMortgage" }, "debtType": { "enum": [ "SECURED", "UNSECURED", "UNKNOWN" ], "type": "string", "description": "The type of debt. This field indicates whether the debt is secured or unsecured." }, "pendingLoanTermInMonthsDerived": { "type": "number", "description": "Pending loan term in months derived", "example": 83 }, "loanTermInMonths": { "type": "number", "description": "Loan term in months", "example": 93 }, "termsFrequency": { "enum": [ "BIWEEKLY", "DEFERRED", "SEMI_MONTHLY", "BI_MONTHLY", "MONTHLY", "SINGLE_PAYMENT_LOAN", "QUARTERLY", "SEMI_ANNUALLY", "TRI_ANNUALLY", "WEEKLY", "ANNUALLY" ], "type": "string", "description": "Indicates how often payments are due" }, "closedDateWithFormat": { "description": "Date when the account was closed with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountOwnershipType": { "enum": [ "AUTHORIZED_USER", "COMAKER", "INDIVIDUAL", "JOINT_CONTRACTUAL_LIABILITY", "JOINT_PARTICIPATING", "MAKER", "ON_BEHALF_OF", "TERMINATED", "UNDESIGNATED", "DECEASED" ], "type": "string", "description": "Type of account ownership" }, "ecoaCode": { "enum": [ "I", "J", "A", "C", "M", "T", "X" ], "type": "string", "description": "This field represents the Equal Credit Opportunity Act code for a particular liability. Where it can be represented as both a letter and a number, we opt to display the letter" }, "reviewedInMonths": { "type": "number", "description": "Number of months the account has been reviewed", "example": 6 }, "reportedDateWithFormat": { "description": "Date when the account reported with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountType": { "enum": [ "CREDIT_LINE", "INSTALLMENT", "MORTGAGE", "OPEN", "REVOLVING", "UNKNOWN" ], "type": "string", "description": "Type of account" }, "consumerDisputeStatus": { "enum": [ "DISPUTED", "NOT_DISPUTED" ], "type": "string", "description": "Consumer dispute status" }, "derogatoryDataStatus": { "enum": [ "DEROGATORY", "NOT_DEROGATORY" ], "type": "string", "description": "Status of derogatory data" }, "collectionStatus": { "enum": [ "IN_COLLECTION", "NOT_IN_COLLECTION" ], "type": "string", "description": "Collection status" }, "chargeOffStatus": { "enum": [ "CHARGED_OFF", "NOT_CHARGED_OFF" ], "type": "string", "description": "Charge-off status" }, "chargeOffAmount": { "type": "number", "description": "Charge-off amount", "example": 5000 }, "chargeOffDateWithFormat": { "description": "Charge-off date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "firstDelinquencyDateWithFormat": { "description": "First delinquency date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "lastActivityDateWithFormat": { "description": "Date of last activity on the account", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountTypeCode": { "type": "string", "description": "Account type code", "example": "O" }, "highestAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Highest adverse rating" }, "highestAdverseRatingDateWithFormat": { "description": "Highest adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "mostRecentAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Most recent adverse rating" }, "mostRecentAdverseRatingDateWithFormat": { "description": "Most recent adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "secondMostRecentAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Second most recent adverse rating" }, "secondMostRecentAdverseRatingDateWithFormat": { "description": "Second most recent adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "adverseRatingCount": { "type": "number", "description": "Total count of adverse ratings", "example": 2 }, "liabilityTransfers": { "description": "The liability transfer object records the details of liability transfers between creditors, allowing the tracking of debt servicing history among different creditors.", "allOf": [ { "$ref": "#/components/schemas/LiabilityTransfers" } ] }, "narratives": { "description": "Details about consumer account narratives", "type": "array", "items": { "$ref": "#/components/schemas/Narratives" } }, "accountNumberLastFour": { "type": "string", "description": "Last four digits of the account number. For accounts with fewer than four digits, the full account number is returned. This field is only returned for non-credit card liability types (auto loans, student loans, home loans, personal loans, and miscellaneous liabilities).", "example": "1234" }, "paymentHistory": { "$ref": "#/components/schemas/PaymentHistory" } } }, "LiabilityBalanceDetails": { "type": "object", "properties": { "outstandingBalance": { "type": "number", "description": "Current balance on the account", "example": 2500 }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 } } }, "LiabilityStatementSummary": { "type": "object", "properties": { "statementDateWithFormat": { "description": "Date of the statement with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "statementBalance": { "type": "number", "description": "Total balance on the statement", "example": 7469 }, "principalBalance": { "type": "number", "description": "Principal balance on the loan", "example": 2535 }, "minimumPaymentAmount": { "type": "number", "description": "Minimum amount due for payment", "example": 100 }, "lastPaymentDateWithFormat": { "description": "Date of last payment with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "dueDate": { "format": "date", "type": "string", "description": "Due date for the next payment", "example": "2023-04-10" }, "overduePeriod": { "enum": [ "LATE_30_DAYS", "LATE_60_DAYS", "LATE_90_DAYS", "LATE_120_DAYS", "NOT_OVERDUE" ], "type": "string", "description": "Overdue period status" }, "amountPastDue": { "type": "number", "description": "Amount past due", "example": 100 }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 } } }, "BillingAddress": { "type": "object", "properties": { "addressLine1": { "type": "string", "maxLength": 50, "example": "123 Main Street" }, "addressLine2": { "type": "string", "maxLength": 50, "example": "Unit 208" }, "city": { "type": "string", "maxLength": 50, "example": "San Francisco" }, "state": { "type": "string", "enum": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DC", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "Ne", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "example": "CA" }, "zip": { "type": "string", "minLength": 5, "maxLength": 5, "example": "90211" }, "zipExtension": { "type": "string", "minLength": 4, "maxLength": 4, "example": "1234" }, "reportedDate": { "format": "date-time", "type": "string", "description": "Date when this address was reported", "example": "2023-09-20T00:00:00.000Z" }, "reportedDateWithFormat": { "description": "Date when this address was reported with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "addressType": { "enum": [ "PREVIOUS", "CURRENT" ], "type": "string", "description": "Type of address (current/previous)", "example": "CURRENT" } }, "required": [ "addressLine1", "city", "state", "zip" ] }, "Creditor": { "type": "object", "properties": { "industryType": { "type": "string", "description": "Industry type of the creditor", "example": "SalesFinancing" }, "industryCode": { "type": "string", "description": "Industry code of the creditor", "example": "FF" }, "phoneNumber": { "type": "string", "description": "Creditor phone number", "example": "8663968254" }, "originalName": { "type": "string", "description": "Creditor original name", "example": "TD BANK" }, "bureauSubscriberCode": { "type": "string", "description": "Creditor subscriber code", "example": "401BB00573" }, "billingAddresses": { "description": "Previous and current billing addresses", "type": "array", "items": { "$ref": "#/components/schemas/BillingAddress" } }, "address": { "$ref": "#/components/schemas/Address" }, "billingAddress": { "$ref": "#/components/schemas/Address" } } }, "FieldError": { "type": "object", "properties": { "field": { "type": "string", "description": "The field associated with the error." }, "error": { "type": "string", "description": "The reason for the error." } }, "required": [ "field", "error" ] }, "Capability": { "type": "object", "properties": { "availability": { "type": "string", "description": "The availability status of a capability", "enum": [ "NOT_SUPPORTED", "SUPPORTED", "FIELD_ERROR" ] }, "fieldErrors": { "description": "Field-level errors if applicable.", "type": "array", "items": { "$ref": "#/components/schemas/FieldError" } }, "description": { "type": "string", "description": "Description of why the capability is not supported, if applicable.", "enum": [ "INSTITUTION_NOT_SUPPORTED", "INSTITUTION_DISABLED", "REFRESH_EXHAUSTED", "NOT_PRIMARY_ACCOUNT_HOLDER", "ACCOUNT_TERMINATED", "CLOSED_ACCOUNT_NO_BALANCE", "CLOSED_ACCOUNT", "ACCOUNT_NUMBER_VERIFICATION_FAILED" ] }, "nextEligibleRefreshOn": { "type": "number", "description": "The earliest timestamp that the capability will be available, if applicable." }, "liabilityGroupId": { "type": "string", "description": "Unique identifier of the liability group for the capability." } }, "required": [ "availability" ] }, "PaymentsCapability": { "type": "object", "properties": { "billPayment": { "description": "The ability to make a Bill payment", "allOf": [ { "$ref": "#/components/schemas/Capability" } ] }, "pushToCard": { "description": "The ability to make a Push To Card payment", "allOf": [ { "$ref": "#/components/schemas/Capability" } ] }, "receiveOnlyPayment": { "description": "The ability to receive payments", "allOf": [ { "$ref": "#/components/schemas/Capability" } ] } }, "required": [ "billPayment" ] }, "DataCapability": { "type": "object", "properties": { "realtimeBalance": { "description": "The capability to access real-time balance data.", "allOf": [ { "$ref": "#/components/schemas/Capability" } ] }, "payoffSummary": { "description": "The capability to access pay-off summary data.", "allOf": [ { "$ref": "#/components/schemas/Capability" } ] }, "liabilityGroupPayoffQuote": { "description": "The capability to access payoff quotes.", "allOf": [ { "$ref": "#/components/schemas/Capability" } ] }, "statementSummary": { "description": "The capability to access statement summary data.", "allOf": [ { "$ref": "#/components/schemas/Capability" } ] }, "annualPercentageRate": { "description": "The capability to access annual percentage rate data.", "allOf": [ { "$ref": "#/components/schemas/Capability" } ] } }, "required": [ "realtimeBalance" ] }, "CapabilityMatrix": { "type": "object", "properties": { "payments": { "description": "Payment-related capabilities, if available.", "allOf": [ { "$ref": "#/components/schemas/PaymentsCapability" } ] }, "data": { "description": "Data-related capabilities, if available.", "allOf": [ { "$ref": "#/components/schemas/DataCapability" } ] } } }, "HomeLoanResponse": { "type": "object", "properties": { "homeLoanId": { "type": "string", "description": "Unique identifier for the home loan", "example": "7025c075-e92d-46fa-85e5-ac31ca667079" }, "logoUrl": { "type": "string", "description": "Logo URL for the institution", "example": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png" }, "displayName": { "type": "string", "description": "Name of the institution", "example": "TD Bank" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 }, "createdOn": { "type": "number", "description": "Timestamp of the creation", "example": 1597753517524 }, "liabilityProfile": { "$ref": "#/components/schemas/LiabilityProfile" }, "balanceDetails": { "$ref": "#/components/schemas/LiabilityBalanceDetails" }, "statementSummary": { "$ref": "#/components/schemas/LiabilityStatementSummary" }, "creditor": { "$ref": "#/components/schemas/Creditor" }, "capabilities": { "$ref": "#/components/schemas/CapabilityMatrix" } }, "required": [ "homeLoanId", "logoUrl", "liabilityProfile", "balanceDetails", "statementSummary", "capabilities" ] }, "LiabilityPayoffSummary": { "type": "object", "properties": { "payoffAmount": { "type": "number", "description": "Pay off amount for the account", "example": 2500 }, "payoffGoodThroughDate": { "format": "date", "type": "string", "description": "Date till when pay off amount is valid", "example": "2023-12-07" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 } } }, "AutoLoanResponse": { "type": "object", "properties": { "autoLoanId": { "type": "string", "description": "Unique identifier for the auto loan", "example": "7025c075-e92d-46fa-85e5-ac31ca667079" }, "logoUrl": { "type": "string", "description": "Logo URL for the institution", "example": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png" }, "displayName": { "type": "string", "description": "Name of the institution", "example": "TD Bank" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 }, "createdOn": { "type": "number", "description": "Timestamp of the creation", "example": 1597753517524 }, "liabilityProfile": { "$ref": "#/components/schemas/LiabilityProfile" }, "balanceDetails": { "$ref": "#/components/schemas/LiabilityBalanceDetails" }, "statementSummary": { "$ref": "#/components/schemas/LiabilityStatementSummary" }, "payoffSummary": { "$ref": "#/components/schemas/LiabilityPayoffSummary" }, "creditor": { "$ref": "#/components/schemas/Creditor" }, "capabilities": { "$ref": "#/components/schemas/CapabilityMatrix" } }, "required": [ "autoLoanId", "logoUrl", "liabilityProfile", "balanceDetails", "statementSummary", "capabilities" ] }, "PersonalLoanResponse": { "type": "object", "properties": { "personalLoanId": { "type": "string", "description": "Unique identifier for the personal loan", "example": "7025c075-e92d-46fa-85e5-ac31ca667079" }, "logoUrl": { "type": "string", "description": "Logo URL for the institution", "example": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png" }, "displayName": { "type": "string", "description": "Name of the institution", "example": "TD Bank" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 }, "createdOn": { "type": "number", "description": "Timestamp of the creation", "example": 1597753517524 }, "liabilityProfile": { "$ref": "#/components/schemas/LiabilityProfile" }, "balanceDetails": { "$ref": "#/components/schemas/LiabilityBalanceDetails" }, "statementSummary": { "$ref": "#/components/schemas/LiabilityStatementSummary" }, "creditor": { "$ref": "#/components/schemas/Creditor" }, "capabilities": { "$ref": "#/components/schemas/CapabilityMatrix" } }, "required": [ "personalLoanId", "logoUrl", "liabilityProfile", "balanceDetails", "statementSummary", "capabilities" ] }, "MiscellaneousLiabilityProfile": { "type": "object", "properties": { "accountOriginationDate": { "format": "date", "type": "string", "description": "Date of account origination", "example": "2023-01-15" }, "status": { "enum": [ "OPEN", "CLOSED" ], "type": "string", "description": "Liability status" }, "interestRateDerived": { "type": "number", "description": "Interest rate derived", "example": 3.5 }, "loanOriginationAmount": { "type": "number", "description": "Loan origination amount", "example": 5000 }, "highCreditAmount": { "type": "number", "description": "Represents the highest balance or amount of credit owed on a specific account during a specific period, as reported by the creditor", "example": 5000 }, "accountRating": { "type": "string", "description": "Account rating", "example": "1" }, "liabilitySubtype": { "type": "string", "description": "Subtype of liability", "example": "ConventionalRealEstateMortgage" }, "debtType": { "enum": [ "SECURED", "UNSECURED", "UNKNOWN" ], "type": "string", "description": "The type of debt. This field indicates whether the debt is secured or unsecured." }, "pendingLoanTermInMonthsDerived": { "type": "number", "description": "Pending loan term in months derived", "example": 83 }, "loanTermInMonths": { "type": "number", "description": "Loan term in months", "example": 93 }, "termsFrequency": { "enum": [ "BIWEEKLY", "DEFERRED", "SEMI_MONTHLY", "BI_MONTHLY", "MONTHLY", "SINGLE_PAYMENT_LOAN", "QUARTERLY", "SEMI_ANNUALLY", "TRI_ANNUALLY", "WEEKLY", "ANNUALLY" ], "type": "string", "description": "Indicates how often payments are due" }, "closedDateWithFormat": { "description": "Date when the account was closed with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountOwnershipType": { "enum": [ "AUTHORIZED_USER", "COMAKER", "INDIVIDUAL", "JOINT_CONTRACTUAL_LIABILITY", "JOINT_PARTICIPATING", "MAKER", "ON_BEHALF_OF", "TERMINATED", "UNDESIGNATED", "DECEASED" ], "type": "string", "description": "Type of account ownership" }, "ecoaCode": { "enum": [ "I", "J", "A", "C", "M", "T", "X" ], "type": "string", "description": "This field represents the Equal Credit Opportunity Act code for a particular liability. Where it can be represented as both a letter and a number, we opt to display the letter" }, "reviewedInMonths": { "type": "number", "description": "Number of months the account has been reviewed", "example": 6 }, "reportedDateWithFormat": { "description": "Date when the account reported with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountType": { "enum": [ "CREDIT_LINE", "INSTALLMENT", "MORTGAGE", "OPEN", "REVOLVING", "UNKNOWN" ], "type": "string", "description": "Type of account" }, "consumerDisputeStatus": { "enum": [ "DISPUTED", "NOT_DISPUTED" ], "type": "string", "description": "Consumer dispute status" }, "derogatoryDataStatus": { "enum": [ "DEROGATORY", "NOT_DEROGATORY" ], "type": "string", "description": "Status of derogatory data" }, "collectionStatus": { "enum": [ "IN_COLLECTION", "NOT_IN_COLLECTION" ], "type": "string", "description": "Collection status" }, "chargeOffStatus": { "enum": [ "CHARGED_OFF", "NOT_CHARGED_OFF" ], "type": "string", "description": "Charge-off status" }, "chargeOffAmount": { "type": "number", "description": "Charge-off amount", "example": 5000 }, "chargeOffDateWithFormat": { "description": "Charge-off date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "firstDelinquencyDateWithFormat": { "description": "First delinquency date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "lastActivityDateWithFormat": { "description": "Date of last activity on the account", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountTypeCode": { "type": "string", "description": "Account type code", "example": "O" }, "highestAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Highest adverse rating" }, "highestAdverseRatingDateWithFormat": { "description": "Highest adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "mostRecentAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Most recent adverse rating" }, "mostRecentAdverseRatingDateWithFormat": { "description": "Most recent adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "secondMostRecentAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Second most recent adverse rating" }, "secondMostRecentAdverseRatingDateWithFormat": { "description": "Second most recent adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "adverseRatingCount": { "type": "number", "description": "Total count of adverse ratings", "example": 2 }, "liabilityTransfers": { "description": "The liability transfer object records the details of liability transfers between creditors, allowing the tracking of debt servicing history among different creditors.", "allOf": [ { "$ref": "#/components/schemas/LiabilityTransfers" } ] }, "narratives": { "description": "Details about consumer account narratives", "type": "array", "items": { "$ref": "#/components/schemas/Narratives" } }, "accountNumberLastFour": { "type": "string", "description": "Last four digits of the account number. For accounts with fewer than four digits, the full account number is returned. This field is only returned for non-credit card liability types (auto loans, student loans, home loans, personal loans, and miscellaneous liabilities).", "example": "1234" }, "collectionAccountStatus": { "enum": [ "UNPAID", "FINANCIAL_COUNSELOR", "ADJUSTMENT", "WAGE_EARNER", "NEW_LISTING", "PAID", "ACCOUNT_DISPUTED", "PAYMENT", "UNKNOWN", "CHECKED", "IN_BANKRUPTCY" ], "type": "string", "description": "Represents the status of a collection account, indicating its current stage in the debt recovery process" }, "paymentHistory": { "$ref": "#/components/schemas/PaymentHistory" } } }, "MiscellaneousLiabilityResponse": { "type": "object", "properties": { "miscellaneousLiabilityId": { "type": "string", "description": "Unique identifier for the miscellaneous liability", "example": "7025c075-e92d-46fa-85e5-ac31ca667079" }, "logoUrl": { "type": "string", "description": "Logo URL for the institution", "example": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png" }, "displayName": { "type": "string", "description": "Name of the institution", "example": "TD Bank" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 }, "createdOn": { "type": "number", "description": "Timestamp of the creation", "example": 1597753517524 }, "liabilityProfile": { "$ref": "#/components/schemas/MiscellaneousLiabilityProfile" }, "balanceDetails": { "$ref": "#/components/schemas/LiabilityBalanceDetails" }, "statementSummary": { "$ref": "#/components/schemas/LiabilityStatementSummary" }, "creditor": { "$ref": "#/components/schemas/Creditor" }, "capabilities": { "$ref": "#/components/schemas/CapabilityMatrix" } }, "required": [ "miscellaneousLiabilityId", "logoUrl", "liabilityProfile", "balanceDetails", "statementSummary", "capabilities" ] }, "CreditCardProfile": { "type": "object", "properties": { "creditCardNumberMasked": { "type": "string", "description": "Masked credit card number", "example": "495962******6670" }, "accountOriginationDate": { "format": "date-time", "type": "string", "description": "Date of account origination", "example": "2023-01-15" }, "status": { "enum": [ "OPEN", "CLOSED" ], "type": "string", "description": "Credit card status" }, "creditLimit": { "type": "number", "description": "Credit limit on the account", "example": 5000 }, "highCreditAmount": { "type": "number", "description": "Represents the highest balance or amount of credit owed on a specific account during a specific period, as reported by the creditor", "example": 5000 }, "accountRating": { "type": "string", "description": "Account rating", "example": "1" }, "liabilitySubtype": { "type": "string", "description": "Subtype of liability", "example": "CreditCard" }, "debtType": { "enum": [ "SECURED", "UNSECURED", "UNKNOWN" ], "type": "string", "description": "The type of debt. This field indicates whether the debt is secured or unsecured." }, "termsFrequency": { "enum": [ "BIWEEKLY", "DEFERRED", "SEMI_MONTHLY", "BI_MONTHLY", "MONTHLY", "SINGLE_PAYMENT_LOAN", "QUARTERLY", "SEMI_ANNUALLY", "TRI_ANNUALLY", "WEEKLY", "ANNUALLY" ], "type": "string", "description": "Indicates how often payments are due" }, "closedDateWithFormat": { "description": "Date when the account was closed with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "availableCreditDerived": { "type": "number", "description": "Derived available credit", "example": 2500 }, "accountOwnershipType": { "enum": [ "AUTHORIZED_USER", "COMAKER", "INDIVIDUAL", "JOINT_CONTRACTUAL_LIABILITY", "JOINT_PARTICIPATING", "MAKER", "ON_BEHALF_OF", "TERMINATED", "UNDESIGNATED", "DECEASED" ], "type": "string", "description": "Type of account ownership" }, "ecoaCode": { "enum": [ "I", "J", "A", "C", "M", "T", "X" ], "type": "string", "description": "This field represents the Equal Credit Opportunity Act code for a particular liability. Where it can be represented as both a letter and a number, we opt to display the letter" }, "reviewedInMonths": { "type": "number", "description": "Number of months the account has been reviewed", "example": 6 }, "reportedDateWithFormat": { "description": "Date when the account reported with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountType": { "enum": [ "CREDIT_LINE", "INSTALLMENT", "MORTGAGE", "OPEN", "REVOLVING", "UNKNOWN" ], "type": "string", "description": "Type of account" }, "consumerDisputeStatus": { "enum": [ "DISPUTED", "NOT_DISPUTED" ], "type": "string", "description": "Consumer dispute status" }, "derogatoryDataStatus": { "enum": [ "DEROGATORY", "NOT_DEROGATORY" ], "type": "string", "description": "Status of derogatory data" }, "collectionStatus": { "enum": [ "IN_COLLECTION", "NOT_IN_COLLECTION" ], "type": "string", "description": "Collection status" }, "chargeOffStatus": { "enum": [ "CHARGED_OFF", "NOT_CHARGED_OFF" ], "type": "string", "description": "Charge-off status" }, "chargeOffAmount": { "type": "number", "description": "Charge-off amount", "example": 5000 }, "chargeOffDateWithFormat": { "description": "Charge-off date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "firstDelinquencyDateWithFormat": { "description": "First delinquency date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "lastActivityDateWithFormat": { "description": "Date of last activity on the account", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountTypeCode": { "type": "string", "description": "Account type code", "example": "R" }, "highestAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Highest adverse rating" }, "highestAdverseRatingDateWithFormat": { "description": "Highest adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "mostRecentAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Most recent adverse rating" }, "mostRecentAdverseRatingDateWithFormat": { "description": "Most recent adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "secondMostRecentAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Second most recent adverse rating" }, "secondMostRecentAdverseRatingDateWithFormat": { "description": "Second most recent adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "adverseRatingCount": { "type": "number", "description": "Total count of adverse ratings", "example": 2 }, "liabilityTransfers": { "description": "The liability transfer object records the details of liability transfers between creditors, allowing the tracking of debt servicing history among different creditors.", "allOf": [ { "$ref": "#/components/schemas/LiabilityTransfers" } ] }, "narratives": { "description": "Details about consumer account narratives", "type": "array", "items": { "$ref": "#/components/schemas/Narratives" } }, "creditUtilization": { "type": "number", "description": "This field represents the credit card utilization rate, expressed as a percentage. It indicates the proportion of a credit limit that is currently being used on this specific credit card.", "example": 25 }, "limitType": { "enum": [ "FLEXIBLE", "REGULAR" ], "type": "string", "description": "Type of credit limit" }, "paymentHistory": { "$ref": "#/components/schemas/PaymentHistory" } } }, "CreditCardBalanceDetails": { "type": "object", "properties": { "outstandingBalance": { "type": "number", "description": "Current balance on the account", "example": 2500 }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 } } }, "RefreshedDateField": { "type": "object", "properties": { "value": { "type": "string", "description": "Date of the field", "example": "2023-04-10" }, "format": { "type": "string", "description": "Format of the date", "example": "YYYY-MM-DD" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1643917894780 } } }, "RefreshedPaymentField": { "type": "object", "properties": { "value": { "type": "number", "description": "Payment amount in dollars", "example": 100 }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1643917894780 } } }, "CreditCardRefreshedFields": { "type": "object", "properties": { "paymentDueDay": { "description": "Day of the month for the next payment", "example": { "value": "10", "format": "DD", "updatedOn": 1643917894780 }, "allOf": [ { "$ref": "#/components/schemas/RefreshedDateField" } ] }, "lastPaymentDate": { "$ref": "#/components/schemas/RefreshedDateField" }, "lastPaymentAmount": { "$ref": "#/components/schemas/RefreshedPaymentField" } } }, "CreditCardStatementSummary": { "type": "object", "properties": { "statementDateWithFormat": { "description": "Date of the statement with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "statementBalance": { "type": "number", "description": "Total balance on the statement", "example": 3194 }, "minimumPaymentAmount": { "type": "number", "description": "Minimum amount due for payment", "example": 100 }, "lastPaymentAmount": { "type": "number", "description": "Amount of last payment", "example": 100 }, "lastPaymentDateWithFormat": { "description": "Date of last payment with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "dueDate": { "format": "date-time", "type": "string", "description": "Due date for the next payment", "example": "2023-04-10" }, "overduePeriod": { "enum": [ "LATE_30_DAYS", "LATE_60_DAYS", "LATE_90_DAYS", "LATE_120_DAYS", "NOT_OVERDUE" ], "type": "string", "description": "Overdue period status" }, "amountPastDue": { "type": "number", "description": "Amount past due", "example": 100 }, "refreshedFields": { "description": "Fields that have been updated since the last statement's date", "allOf": [ { "$ref": "#/components/schemas/CreditCardRefreshedFields" } ] }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 }, "dueDateWithFormat": { "description": "Due date for the next payment with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] } } }, "Apr": { "type": "object", "properties": { "rate": { "type": "number", "description": "Annual percentage rate", "example": 31.24 }, "type": { "enum": [ "PURCHASE", "BALANCE_TRANSFER", "PENALTY", "CASH_ADVANCE", "INTRO" ], "type": "string", "description": "Type of APR" }, "applicableBalance": { "type": "number", "description": "The balance to which this APR applies", "example": 2500 }, "expirationDate": { "type": "string", "description": "Date when this APR will expire", "example": "2023-12-31" }, "source": { "enum": [ "DERIVED", "REAL_TIME" ], "type": "string", "description": "Indicates the origin of the APR value" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 } }, "required": [ "rate", "type", "updatedOn" ] }, "CreditCardResponse": { "type": "object", "properties": { "creditCardId": { "type": "string", "description": "Unique identifier for the credit card", "example": "7025c075-e92d-46fa-85e5-ac31ca667079" }, "logoUrl": { "type": "string", "description": "Logo URL for the institution", "example": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png" }, "displayName": { "type": "string", "description": "Name of the institution", "example": "TD Bank" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 }, "createdOn": { "type": "number", "description": "Timestamp of the creation", "example": 1597753517524 }, "cardProfile": { "$ref": "#/components/schemas/CreditCardProfile" }, "balanceDetails": { "$ref": "#/components/schemas/CreditCardBalanceDetails" }, "statementSummary": { "$ref": "#/components/schemas/CreditCardStatementSummary" }, "aprs": { "type": "array", "items": { "$ref": "#/components/schemas/Apr" } }, "creditor": { "$ref": "#/components/schemas/Creditor" }, "capabilities": { "$ref": "#/components/schemas/CapabilityMatrix" } }, "required": [ "creditCardId", "logoUrl", "cardProfile", "balanceDetails", "statementSummary", "capabilities" ] }, "StudentLoanLiabilityProfile": { "type": "object", "properties": { "accountOriginationDate": { "format": "date", "type": "string", "description": "Date of account origination", "example": "2023-01-15" }, "status": { "enum": [ "OPEN", "CLOSED" ], "type": "string", "description": "Liability status" }, "interestRateDerived": { "type": "number", "description": "Interest rate derived", "example": 3.5 }, "loanOriginationAmount": { "type": "number", "description": "Loan origination amount", "example": 5000 }, "highCreditAmount": { "type": "number", "description": "Represents the highest balance or amount of credit owed on a specific account during a specific period, as reported by the creditor", "example": 5000 }, "accountRating": { "type": "string", "description": "Account rating", "example": "1" }, "liabilitySubtype": { "type": "string", "description": "Subtype of liability", "example": "ConventionalRealEstateMortgage" }, "debtType": { "enum": [ "SECURED", "UNSECURED", "UNKNOWN" ], "type": "string", "description": "The type of debt. This field indicates whether the debt is secured or unsecured." }, "pendingLoanTermInMonthsDerived": { "type": "number", "description": "Pending loan term in months derived", "example": 83 }, "loanTermInMonths": { "type": "number", "description": "Loan term in months", "example": 93 }, "termsFrequency": { "enum": [ "BIWEEKLY", "DEFERRED", "SEMI_MONTHLY", "BI_MONTHLY", "MONTHLY", "SINGLE_PAYMENT_LOAN", "QUARTERLY", "SEMI_ANNUALLY", "TRI_ANNUALLY", "WEEKLY", "ANNUALLY" ], "type": "string", "description": "Indicates how often payments are due" }, "closedDateWithFormat": { "description": "Date when the account was closed with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountOwnershipType": { "enum": [ "AUTHORIZED_USER", "COMAKER", "INDIVIDUAL", "JOINT_CONTRACTUAL_LIABILITY", "JOINT_PARTICIPATING", "MAKER", "ON_BEHALF_OF", "TERMINATED", "UNDESIGNATED", "DECEASED" ], "type": "string", "description": "Type of account ownership" }, "ecoaCode": { "enum": [ "I", "J", "A", "C", "M", "T", "X" ], "type": "string", "description": "This field represents the Equal Credit Opportunity Act code for a particular liability. Where it can be represented as both a letter and a number, we opt to display the letter" }, "reviewedInMonths": { "type": "number", "description": "Number of months the account has been reviewed", "example": 6 }, "reportedDateWithFormat": { "description": "Date when the account reported with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountType": { "enum": [ "CREDIT_LINE", "INSTALLMENT", "MORTGAGE", "OPEN", "REVOLVING", "UNKNOWN" ], "type": "string", "description": "Type of account" }, "consumerDisputeStatus": { "enum": [ "DISPUTED", "NOT_DISPUTED" ], "type": "string", "description": "Consumer dispute status" }, "derogatoryDataStatus": { "enum": [ "DEROGATORY", "NOT_DEROGATORY" ], "type": "string", "description": "Status of derogatory data" }, "collectionStatus": { "enum": [ "IN_COLLECTION", "NOT_IN_COLLECTION" ], "type": "string", "description": "Collection status" }, "chargeOffStatus": { "enum": [ "CHARGED_OFF", "NOT_CHARGED_OFF" ], "type": "string", "description": "Charge-off status" }, "chargeOffAmount": { "type": "number", "description": "Charge-off amount", "example": 5000 }, "chargeOffDateWithFormat": { "description": "Charge-off date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "firstDelinquencyDateWithFormat": { "description": "First delinquency date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "lastActivityDateWithFormat": { "description": "Date of last activity on the account", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "accountTypeCode": { "type": "string", "description": "Account type code", "example": "O" }, "highestAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Highest adverse rating" }, "highestAdverseRatingDateWithFormat": { "description": "Highest adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "mostRecentAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Most recent adverse rating" }, "mostRecentAdverseRatingDateWithFormat": { "description": "Most recent adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "secondMostRecentAdverseRating": { "enum": [ "0", "1", "2", "3", "4", "5", "6", "G", "H", "J", "R", "L", "E", "B", "D" ], "type": "string", "description": "Second most recent adverse rating" }, "secondMostRecentAdverseRatingDateWithFormat": { "description": "Second most recent adverse rating date with format", "allOf": [ { "$ref": "#/components/schemas/DateWithFormat" } ] }, "adverseRatingCount": { "type": "number", "description": "Total count of adverse ratings", "example": 2 }, "liabilityTransfers": { "description": "The liability transfer object records the details of liability transfers between creditors, allowing the tracking of debt servicing history among different creditors.", "allOf": [ { "$ref": "#/components/schemas/LiabilityTransfers" } ] }, "narratives": { "description": "Details about consumer account narratives", "type": "array", "items": { "$ref": "#/components/schemas/Narratives" } }, "accountNumberLastFour": { "type": "string", "description": "Last four digits of the account number. For accounts with fewer than four digits, the full account number is returned. This field is only returned for non-credit card liability types (auto loans, student loans, home loans, personal loans, and miscellaneous liabilities).", "example": "1234" }, "loanType": { "enum": [ "PUBLIC", "PRIVATE", "UNVERIFIED" ], "type": "string", "description": "Loan Type" }, "paymentHistory": { "$ref": "#/components/schemas/PaymentHistory" } } }, "StudentLoanResponse": { "type": "object", "properties": { "studentLoanId": { "type": "string", "description": "Unique identifier for the student loan", "example": "7025c075-e92d-46fa-85e5-ac31ca667079" }, "logoUrl": { "type": "string", "description": "Logo URL for the institution", "example": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png" }, "displayName": { "type": "string", "description": "Name of the institution", "example": "TD Bank" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 }, "createdOn": { "type": "number", "description": "Timestamp of the creation", "example": 1597753517524 }, "liabilityProfile": { "$ref": "#/components/schemas/StudentLoanLiabilityProfile" }, "balanceDetails": { "$ref": "#/components/schemas/LiabilityBalanceDetails" }, "statementSummary": { "$ref": "#/components/schemas/LiabilityStatementSummary" }, "creditor": { "$ref": "#/components/schemas/Creditor" }, "capabilities": { "$ref": "#/components/schemas/CapabilityMatrix" } }, "required": [ "studentLoanId", "logoUrl", "liabilityProfile", "balanceDetails", "statementSummary", "capabilities" ] }, "BalanceDetails": { "type": "object", "properties": { "accountBalance": { "type": "number", "description": "The balance as of the last update", "example": 7445.23 }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 } }, "required": [ "accountBalance", "updatedOn" ] }, "BankAccountProfile": { "type": "object", "properties": { "accountNumberLastFourDigits": { "type": "string", "description": "Last four digits of the bank account number", "example": 1234 }, "accountType": { "enum": [ "CHECKING", "SAVINGS" ], "type": "string", "description": "Bank account type", "example": "CHECKING" }, "balanceDetails": { "$ref": "#/components/schemas/BalanceDetails" } }, "required": [ "accountNumberLastFourDigits" ] }, "PayableBankAccountProfile": { "type": "object", "properties": { "firstName": { "type": "string", "description": "Account holder first name", "example": "Alex" }, "lastName": { "type": "string", "description": "Account holder last name", "example": "Cohan" }, "email": { "type": "string", "description": "Account holder email", "example": "a.cohan@abc.com" }, "accountNumberLastFourDigits": { "type": "string", "description": "Last four digits of the bank account number", "example": 1234 }, "accountType": { "enum": [ "CHECKING", "SAVINGS" ], "type": "string", "description": "Bank account type", "example": "CHECKING" } }, "required": [ "firstName", "lastName", "email", "accountNumberLastFourDigits", "accountType" ] }, "BankAccountResponse": { "type": "object", "properties": { "logoUrl": { "type": "string", "description": "Logo URL for the institution", "example": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png" }, "displayName": { "type": "string", "description": "Name of the institution", "example": "TD Bank" }, "bankAccountId": { "type": "string", "description": "Unique identifier for the bank account", "example": "8025c075-e92d-46fa-85e5-ac31ca777079" }, "updatedOn": { "type": "number", "description": "Timestamp of the last update", "example": 1597753517524 }, "accountProfile": { "anyOf": [ { "$ref": "#/components/schemas/BankAccountProfile" }, { "$ref": "#/components/schemas/PayableBankAccountProfile" } ] }, "createdOn": { "type": "number", "description": "Timestamp of the creation", "example": 1597753517524 }, "capabilities": { "$ref": "#/components/schemas/CapabilityMatrix" } }, "required": [ "logoUrl", "bankAccountId", "accountProfile", "capabilities" ] }, "UserProfile": { "type": "object", "properties": { "userId": { "type": "string", "example": "3fef7131-71ae-4204-a8bd-3fc3ad6b4b82" }, "extUserId": { "type": "string", "example": "3fef7131-71ae-4204-a8bd-3fc3ad6b4b82" }, "isChampion": { "type": "boolean" }, "isBorrower": { "type": "boolean" }, "networkToken": { "type": "string", "readOnly": true, "example": "eb444634-40a8-4a62-849l-4e2db7b8a9af" }, "profile": { "$ref": "#/components/schemas/ProfileUser" }, "autoLoanSummary": { "$ref": "#/components/schemas/AutoLoanSummary" }, "homeLoanSummary": { "$ref": "#/components/schemas/HomeLoanSummary" }, "miscellaneousLiabilitySummary": { "$ref": "#/components/schemas/MiscellaneousLiabilitySummary" }, "creditCardSummary": { "$ref": "#/components/schemas/CreditCardSummary" }, "personalLoanSummary": { "$ref": "#/components/schemas/PersonalLoanSummary" }, "studentLoanSummary": { "$ref": "#/components/schemas/StudentLoanSummary" }, "bankAccountSummary": { "$ref": "#/components/schemas/BankAccountSummary" }, "creditReports": { "type": "array", "items": { "$ref": "#/components/schemas/CreditReport" } }, "homeLoans": { "type": "array", "items": { "$ref": "#/components/schemas/HomeLoanResponse" } }, "autoLoans": { "type": "array", "items": { "$ref": "#/components/schemas/AutoLoanResponse" } }, "personalLoans": { "type": "array", "items": { "$ref": "#/components/schemas/PersonalLoanResponse" } }, "miscellaneousLiabilities": { "type": "array", "items": { "$ref": "#/components/schemas/MiscellaneousLiabilityResponse" } }, "creditCards": { "type": "array", "items": { "$ref": "#/components/schemas/CreditCardResponse" } }, "studentLoans": { "type": "array", "items": { "$ref": "#/components/schemas/StudentLoanResponse" } }, "bankAccounts": { "type": "array", "items": { "$ref": "#/components/schemas/BankAccountResponse" } }, "updatedOn": { "type": "number" }, "createdOn": { "type": "number" } }, "required": [ "userId", "updatedOn", "createdOn" ] }, "UserProfileResponse": { "type": "object", "properties": { "status": { "$ref": "#/components/schemas/ResponseStatus" }, "data": { "$ref": "#/components/schemas/UserProfile" } }, "required": [ "status", "data" ] }, "FraudulentReportDataStatus": { "type": "object", "properties": { "status": { "type": "string", "enum": [ "IN_PROGRESS", "COMPLETED", "ERROR", "Success" ], "example": "ERROR" }, "updatedOn": { "type": "number", "example": 1614602485926 } }, "required": [ "status", "updatedOn" ] }, "FraudulentReportConnectionStatus": { "type": "object", "properties": { "isValid": { "type": "boolean", "example": true }, "statusCode": { "type": "number", "example": 2000, "description": "Status codes to represent the current state of this connection" }, "description": { "type": "string", "example": "Fraudulent credit report detected" }, "userAction": { "type": "string" }, "isAuthSuccessful": { "type": "boolean", "example": true }, "isSecurityStepPending": { "type": "boolean", "example": false }, "isQuestionStepPending": { "type": "boolean", "example": false }, "lastSuccessfulAuthOn": { "type": "number", "example": 1614602485926 }, "lastAuthAttemptOn": { "type": "number", "example": 1614602485926 }, "statusChangeLogs": { "type": "array", "items": { "$ref": "#/components/schemas/StatusLog" } }, "dataStatus": { "$ref": "#/components/schemas/FraudulentReportDataStatus" } }, "required": [ "statusCode", "description", "dataStatus" ] }, "FraudulentCreditProfile": { "type": "object", "properties": { "firstName": { "type": "string", "example": "CHRISTY" }, "middleName": { "type": "string", "example": "L" }, "lastName": { "type": "string", "example": "JENOVAL" }, "model": { "enum": [ "VANTAGE_SCORE_3_0", "FICO_SCORE_4", "FICO_SCORE_8" ], "type": "string", "description": "Scoring model", "example": "VANTAGE_SCORE_3_0" }, "ssn": { "type": "string", "description": "The last 4 digits of the user's ssn", "example": "1234" }, "dateOfBirth": { "format": "date-time", "type": "string", "example": "1980-01-01" }, "updatedOn": { "type": "number", "example": 1597753517524 }, "createdOn": { "type": "number", "example": 1597753517524 }, "formerNames": { "description": "Former names of the user.", "type": "array", "items": { "$ref": "#/components/schemas/FormerName" } }, "addresses": { "type": "array", "items": { "$ref": "#/components/schemas/CreditReportAddress" } }, "employmentHistory": { "type": "array", "items": { "$ref": "#/components/schemas/CreditEmploymentHistory" } } } }, "FraudulentCreditReport": { "type": "object", "properties": { "id": { "type": "string", "example": "abaa6d3f-e2a3-456e-b727-12f683efb717" }, "sourceBureau": { "enum": [ "Equifax", "Experian", "TransUnion" ], "type": "string", "example": "Equifax", "description": "The bureau that the credit report was sourced from" }, "type": { "type": "string", "enum": [ "1_BUREAU.FULL" ], "example": "1_BUREAU.FULL", "description": "The type of credit report used to generate the response" }, "reportStatus": { "description": "Status of the credit report (e.g. SUCCESS, FROZEN_REPORT, FRAUD_INDICATOR)", "allOf": [ { "$ref": "#/components/schemas/ReportStatus" } ] }, "connectionStatus": { "$ref": "#/components/schemas/FraudulentReportConnectionStatus" }, "profile": { "$ref": "#/components/schemas/FraudulentCreditProfile" }, "inquiries": { "type": "array", "items": { "$ref": "#/components/schemas/Inquiry" } }, "bankruptcies": { "type": "array", "items": { "$ref": "#/components/schemas/Bankruptcy" } }, "creditScoreDetails": { "type": "array", "items": { "$ref": "#/components/schemas/CreditScoreDetails" } }, "creditAttributes": { "type": "array", "items": { "$ref": "#/components/schemas/CreditAttribute" } }, "summary": { "$ref": "#/components/schemas/CreditReportSummary" }, "updatedOn": { "type": "number" }, "createdOn": { "type": "number" } }, "required": [ "connectionStatus", "profile" ] }, "FraudulentReportResponseData": { "type": "object", "properties": { "creditReports": { "type": "array", "items": { "$ref": "#/components/schemas/FraudulentCreditReport" } } }, "required": [ "creditReports" ] }, "FraudulentReportResponse": { "type": "object", "properties": { "data": { "$ref": "#/components/schemas/FraudulentReportResponseData" }, "status": { "$ref": "#/components/schemas/ResponseStatus" } }, "required": [ "data", "status" ] } } } } ```