Sandbox Testing

When testing consumer creation or onboarding, you can freely enter data when creating new users. In order to test different usecases, including negative testing, we have reserved certain SSN groups by SSN “area”.

SSN-based Testing Cases

If the “Area Number” begins with a specific number give a specific response:

HTTP Code Descriptions

SSN FormatResult
401-XX-XXXXFail Underwriting: User has Age < 18
417-XX-XXXXFail Underwriting: User is in active Bankruptcy
406-XX-XXXXFail Underwriting: User has score < 450 if more than 3 tradelines, or < 400 if less (search)
9XX-XX-XXXXNo Credit Report: Users with ITIN will not have a credit report on file with the bureaus