Array (formerly Credmo and A-Soft)

This article was developed to describe the credit/finance integration for Array.io (formerly Credmo).

Overview

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 appears 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.

Troubleshooting

If a warning appears stating, "Failed to create user", check the integration settings credentials and verify that they are input properly.

Activating this Integration

To learn more about activation, features, and pricing, please contact Sales@setforth.com or call (630) 394-6260.

The "Insert Zero Dollar Debts" option (see the radio buttons located at the bottom of the image above) allows a user to control whether zero-dollar debts will be stored in the Forth database.

 

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.

 

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