> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developers.upwardli.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developers.upwardli.com/_mcp/server.

# 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".

> **Info**
>
> To ensure regulatory compliance, all Sandbox testing must utilize **mock **data. Please refrain from using real PII or SSNs. Furthermore, testing access is restricted to internal personnel only; external user profiles should not be created or tested in this environment."

## SSN-based Testing Cases

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

### HTTP Code Descriptions

| SSN Format  | Result                                                                                          |
| ----------- | ----------------------------------------------------------------------------------------------- |
| 401-XX-XXXX | Fail Underwriting: User has Age \< 18                                                           |
| 406-XX-XXXX | Fail Underwriting: User has  score \< 450 if more than 3 tradelines, or \< 400 if less (search) |
| 417-XX-XXXX | Fail Underwriting: User is in active Bankruptcy                                                 |
| 422-XX-XXXX | Fail KYC Database Check: Simulate email/text Fallback KYC Path                                  |
| 423-XX-XXXX | Fail Underwriting: Frozen Credit                                                                |
| 9XX-XX-XXXX | No Credit Report: Users with ITIN will not have a credit report on file with the bureaus        |