Enroll a user in automatic Debt Profile refreshes so their liabilities, balances, and scores stay current without you ordering a new report each time.

The subscriptions array takes up to 50 subscriptions per request, defining what to refresh and on what cadence. Each time a refresh completes, Spinwheel fires the USER_CREDIT_PROFILE_TRANSACTION webhook to signal that a new Debt Profile is available — or USER_CREDIT_PROFILE_TRANSACTION_FAILED if the credit report pull didn't succeed.

The webhook is the signal, not the data. Call Retrieve a User to pull the refreshed Debt Profile itself.

Note: A user needs at least one completed Debt Profile pull before a subscription can be created, and refreshes use the bureau the user was originally connected with.