|Array.io (formerly Credmo and A-Soft)
|November 17, 2023
This article was developed to describe the credit/finance integration for Array.io (formerly Credmo).
This integration's functionality supports applicant credit report pulls from TransUnion, Experian, and Equifax. PDF versions of these reports are then attached under the Docs > Uploaded Files section.
A co-applicant's credit can be pulled in addition to the main applicant to be enrolled in the program. To do so, you must check "pull co-applicant credit as well" before initiating the credit pull. This check box will only appear if there is data for the following co-applicant fields: first name, last name, date of birth, SSN, and full address fields.
IMPORTANT: Only one (1) credit pull integration should be enabled per company. Otherwise, you will duplicate your credit pull requests.
Also, be sure to select the companies in the account that the integration is supposed to be for ("Access Control").
Credit Pull Retry
NOTE: Array does not guarantee that the reports will be available immediately upon credit pull request
A Credit pull request includes several steps:
1) The user/client record is created in the Array system
2) Credit report ordered
3) Credit report pull attempt occurs after a five (5) second delay (first one)
4) PDF version of the report pulled (if successful in step 3)
If the report is not ready to be fetched in step #3, Forth reschedules a retry attempt as a background job. A message indicating the action to be taken will appear on the page. The first retry will occur one minute from the original pull request and the second one (if necessary) will be delayed by another minute.
The Inability to download the report in three attempts will result in permanent failure. Successful retry will be communicated with a bubble/pop-up message in the corner of the page.
If a 'Failed to create user' warning appears, check the integration settings credentials and verify that they are input properly.
Activating this Integration
The "Credit Utilization -> Debt Custom Field" dropdown menu at the bottom of the page allows the user to throw what they get for that value into the custom field that the user selects.
Article Version History:
|Initial Release with updated screenshots and steps clarified
|Minor Update - added header and version control footer, added Important note at the end of the opening paragraph; added note about companies within the account needing to be selected; other formatting tweaks
|Removed extraneous information to simplify understanding of this integration.
|Grammar and Formatting Review only; and refreshed screenshot to improve legibility - no subject matter changes.