When using this endpoint in the Sandbox, you can request a specific set of data by registering and requesting data for a consumer with a specific Social Security number. In this case, the trigger for specific data is the 2nd digit of the Sandbox consumer's SSN. There are 5 deterministic responses, each corresponding to an SSN with 2nd digit: 0, 1, 2, 3 and 4. If the 2nd digit of the consumer's SSN is not in this set, the data returned will be random.
For example, you can register a Sandbox consumer with the SSN: 909-99-9999. Then, when requesting their credit.bloom.score.fico8, the following data will always be returned for that consumer:
"descriptor": "FICO® Score 8 based on Equifax Data",
"narrative": "Amount owed on accounts is too high"
you could have registered the consumer with an SSN of 808-88-8888 or 001-23-4567. As long as the 2nd digit of their SSN is 0 (i.e. the SSN is of the form: X0X-XX-XXXX) you can be certain the above data will always be returned.
See the examples below for all the possible responses that correspond with the 2nd digit of a Sandbox consumer's SSN.
This endpoint will return upto 5 reason codes for the score that was returned.
Following are the possible reason codes that can be returned:
Amount owed on accounts is too high
Level of delinquency on accounts
Too few bank revolving accounts
Too many bank or national revolving accounts
Too many accounts with balances
Too many consumer finance company accounts
Account payment history is too new to rate
Too many inquiries last 12 months
Too many accounts recently opened
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
Amount owed on revolving accounts is too high
Length of time revolving accounts have been established
Time since delinquency is too recent or unknown
Length of time accounts have been established
Lack of recent bank revolving information
Lack of recent revolving account information
No recent non-mortgage balance information
Number of accounts with delinquency
Too few accounts currently paid as agreed
Length of time since derogatory public record or collection is too short
Amount past due on accounts
Number of bank or national revolving accounts with balances
No recent revolving balances
length of time installment loans have been established
Number of revolving accounts
Number of established accounts
No recent bank/national revolving balances
Time since most recent account opening is too short
Too few accounts with recent payment information
Lack of recent installment loan information
Proportion of loan balances to loan amounts is too high
Amount owed on delinquent accounts
Length of time open installment loans have been established
Serious delinquency, and derogatory public record or collection filed
Derogatory public record or collection filed
Amount paid down on open mortgage loans is too low
Amount paid down on open installment loans is too low
Proportion of balances to loan amounts on mortgage accounts is too high
Lack of recent revolving HELOC information
Proportion of balances to credit limits on revolving HELOC accounts is too high
Proportion of revolving HELOC balances to total revolving balances is too high
Length of time bank/national revolving accounts have been established
Length of time open mortgage loans have been established
Amount owed on mortgage loans is too high
Too many recently opened installment accounts
Proportion of balances to loan amounts on revolving auto accounts is too high
Length of time reported mortgage accounts have been established
Lack of recent reported mortgage loan information
Frequency of delinquency
Too few active accounts
Too many mortgage loans with balances
Lack of recent auto finance loan information
Lack of recent consumer finance company account information
If the source is "equifax":
the indicator will always be "G"
the descriptor will always be "FICO Score 8 based on Equifax Data"
the identifier will always be "02369"
Click Try It! to start a request and see the response here!