700credit XML Interface (Ver 6.57 1-27-22)

Interface Specification
700Credit Products and Services XML Gateway

Ver. 6.56; December 16, 2021
XML Gateway Definition
TABLE OF CONTENTS
I. Release Notes ......................................................................................................... 5

RELEASE HIGHLIGHT TABLE ........................................................................................................................................ 5
II. Interface Inquiry Format ..................................................................................... 7

REQUIREMENTS FOR THE 700CREDIT XML INTERFACE ................................................................................................ 7
Header Data ..................................................................................................................................................................................................... 7
Applicant Information ...................................................................................................................................................................................... 7
Applicant Address Information ........................................................................................................................................................................ 8
Applicant Previous Address Information ......................................................................................................................................................... 8
Applicant Housing Information........................................................................................................................................................................ 9
Applicant Employment Info .............................................................................................................................................................................. 9
Applicant Driver’s License Information .......................................................................................................................................................... 9
Co-Applicant/Joint Information ....................................................................................................................................................................... 9
Co-Applicant Address Information ................................................................................................................................................................ 10
Co-Applicant / Previous Address Information ............................................................................................................................................... 10
Co-Applicant Housing Information................................................................................................................................................................ 10
Co-Applicant Employment Info ...................................................................................................................................................................... 10
Co-Applicant Driver’s License Information .................................................................................................................................................. 11
Vehicle Information ........................................................................................................................................................................................ 11
Vehicle Finance Information.......................................................................................................................................................................... 11
Trade In Vehicle Information ......................................................................................................................................................................... 12
Comments ....................................................................................................................................................................................................... 12
User Data ....................................................................................................................................................................................................... 12
PROGRAMMING NOTES ............................................................................................................................................... 13
SAMPLE REQUESTS..................................................................................................................................................... 13
Single Credit Bureau Request: ....................................................................................................................................................................... 13
Single Credit Bureau Request with Security Freeze PIN: ............................................................................................................................. 13
Multiple Credit Bureau Request: ................................................................................................................................................................... 13
Multiple Credit Bureau Request with Security Freeze PIN: .......................................................................................................................... 14
SaveOnly Request: ......................................................................................................................................................................................... 14
SaveOnly Request with LOS System: ............................................................................................................................................................. 14
Bypass Duplicate Check ................................................................................................................................................................................. 14
Employment Info & Applicant_DesiredVehicleInfo Request:........................................................................................................................ 14
III. XML Response Format with IFrame ................................................................ 15

XML SAMPLE RESPONSE ........................................................................................................................................... 15
TRANSID ..................................................................................................................................................................... 15
CREDIT REPORT RETURNED IN AN IFRAME.............................................................................................................. 16
Response Example .......................................................................................................................................................................................... 16
Response Example with Summary Elements .................................................................................................................................................. 16
Alternative Iframe URL returned in response ................................................................................................................................................ 22
Viewing Report Again at a Later Time .......................................................................................................................................................... 22
IFrame Example ............................................................................................................................................................................................. 23
I Frame Example with letters:........................................................................................................................................................................ 26
SAVEONLY RESPONSE ................................................................................................................................................ 26
DUPLICATE FOUND..................................................................................................................................................... 27
XML SCORE ELEMENTS FOR IFRAME 2.0 .................................................................................................................. 27
IV. Credit Report Format Examples ....................................................................... 28

Ver. 6.56; Published on: 12/16/2021 Page 2 of 69
Confidential & Proprietary Information of 700Credit, © 2021
TTY FORMAT ............................................................................................................................................................. 28

HTML SCREEN SAMPLE ............................................................................................................................................ 30
CUSTOM FORMAT ....................................................................................................................................................... 31
V. Requesting Previously Pulled Reports .............................................................. 34

REPORT RETRIEVAL COMMUNICATION REQUIREMENTS ............................................................................................ 34
ACCESS REQUEST DATA PARAMETERS ...................................................................................................................... 34
SAMPLE REQUEST FOR PREVIOUSLY PULLED REPORT ............................................................................................... 34
ADDITIONAL TAGS RETURNED FOR PREVIOUSLY PULLED REPORTS.......................................................................... 34
EXAMPLE RESPONSE FOR PREVIOUSLY PULLED REPORTS ......................................................................................... 35
VI. 700Credit’s Compliance Dashboard ................................................................. 37

REQUEST FORMAT ...................................................................................................................................................... 37
Test Box .......................................................................................................................................................................................................... 37
Production ...................................................................................................................................................................................................... 37
COMPLIANCE DASHBOARD SAMPLE ........................................................................................................................... 37
VII. QuickApp & QuickQualify Products and Obtaining Data from Apps .......... 38
QUICKAPP .................................................................................................................................................................. 38
QUICKQUALIFY .......................................................................................................................................................... 38
AUTOMATED XML ADF RESPONSE .......................................................................................................................... 38
Sample XML Export ....................................................................................................................................................................................... 38
OBTAINING THE CREDIT REPORT ............................................................................................................................... 42
PARTNER DEALER IDENTIFIER ................................................................................................................................... 42
POST TO WEB SERVICE OPTION ................................................................................................................................. 43
SAMPLE 3-STEP QUICKAPP ....................................................................................................................................... 44
SAMPLE QUICKQUALIFY ............................................................................................................................................ 48
VIII. Pushing Data to 3rd Finance Party Systems with Save Only ........................... 49
SAVEONLY REQUEST: ................................................................................................................................................ 49
SAVEONLY REQUEST WITH LOS SYSTEM:................................................................................................................. 49
SAVEONLY RESPONSE ................................................................................................................................................ 49
IX. Additional Options in the XML Interface ........................................................ 50

DUPLICATE SEARCH ................................................................................................................................................... 50
ADVERSE ACTION LETTERS AND RISK BASED PRICING NOTICES .............................................................................. 51
DATA FORMAT OPTIONS ..................................................................................................................................... 52
MISMO XML Format ..................................................................................................................................................................................... 52
RAW BUREAU FORMAT .............................................................................................................................................................................. 53
AppOne Merge ............................................................................................................................................................................................... 54
SCORE SUMMARY ....................................................................................................................................................... 63
X. Additional Features Available to your Customers ........................................... 64

XI. Error Determination and Handling .................................................................. 65
SECURED IP ADDRESSES ............................................................................................................................................ 65
GATEWAY ERRORS ..................................................................................................................................................... 65
FORMAT AND ERROR LOCATION ................................................................................................................................ 65
GENERAL GATEWAY VALIDATION ERRORS ............................................................................................................ 66
XII. Testing Checklist ................................................................................................. 67

XIII. Dealer Setup Considerations .............................................................................. 68
INITIAL DEALER SETUP .............................................................................................................................................. 68
DEALER NOTIFICATION .............................................................................................................................................. 68
QUICK START GUIDE .................................................................................................................................................. 68
XIV. Kick Off Call ........................................................................................................ 69

AGENDA ..................................................................................................................................................................... 69

I. Release Notes
This section identifies modifications included in each release level.
RELEASE HIGHLIGHT TABLE

Release 5.9 - Sec 2; Changed to make social security number mandatory field.
- Sec 2; bypass duplicate check. Adding indicator on inquiry will bypass the interface duplicate
check and go directly to credit bureau.
- Sec 5, adding score range and score ranking elements to the score section. This information
critical for custom Risked Based Pricing Notices
- Sec 9, addition of 700Credits Quick App export. Allows integration partners to be notified
when a consumer completes 700Credit’s Quick App product. Data can be exported to partner
automatically and integrated into their system. In addition customer can view credit report
pulled in partner’s system.
- Sec 14, identifying key elements that should be considered during the dealer setup process. It
is critical that well defined procedures are put in place to ensure a smooth installation for the
dealer.
Release 5.10 - Sec 2, Updated duplicate check parameter
- Sec 2, Added Affiliate User Input Parameters
Release 5.11 - Added additional inquiry parameters which are accepted and passed to DealerTrack,
RouteOne and CUDL
Release 6.0 - Email address accepted on inquiry and loaded into 700Dealer/Iframe. Will be prepopulated if
dealer selects to email consumer RBPN
- Added SaveOnly as Product type to load applications into 700Credit without pulling credit.
Release 6.2 - Added Security Freeze PIN specifications for each bureau.
Release 6.3 - Added Drivers License input fields for primary/co-applicant
Release 6.4 - Expand on SAVEONLY product
Release 6.5 - Enhanced HOUSING / SPOUSEHOUSING parameter and added following values:
o Own_Freeandclear
o Other
- Added new parameters:
o TRADEPAYOFFAMOUNT
o TITLEREGISTRATIONFEE
o INVOICEAMOUNT
o LOANTYPE
o HOUSINGPAY AND SPOUSEHOUSINGPAY
o TRADEMONTHLYPAY
o UNPAIDBALANCE
Release 6.51 - Added new parameters:
o APR
o MSRP
Release 6.52 - Retired GET method
Release 6.53 - Added new parameters:

- EMPLOYMENT STATUS
- DURATION (Co-Applicant)
- EXTERIORCOLOR
- MILEAGE
- REQAMOUNT
- GAP
- Updated DealerTrack Acceptance of:
- OTHERINCOMEEXPLN
- SPOUSEAGE
- SPOUSEMOBILE
- LOANTYPE
- ADDITIONALITEMSAMOUNT

- SERVICECONTRACTAMOUNT
- APR
- MSRP
Release 6.54 - Added co-applicant details for Extra Data
Release 6.55 - For Stand-Alone RedFlag Service, SSN is now optional
Release 6.56 - Added new XML tags when Credit Bureau XML Tags (Summary Elements) checkbox is checked,
Internal Tracking Number 12403 (Alerts) and 12538 (30/60/90 DPD):
o Fraud/Security/Freeze Alerts: <alerts>, <alerts_message_1> thru
<alerts_message_n>
o Trades that are currently 30/60/90 DPD, Open Trades only>, All Trade Types
▪ <Total_Current_30_Day_Trades>
- Available Feature: Added Ability to Return credit reports encoded in base64 PDF format
Release 6.57 - Updated ISNEW Parameter in Vehicle Information
o Removed “New”, “Used”, and “Demo”
o ISNEW is Boolean and only accepts True/False

II. Interface Inquiry Format

The 700Dealer XML Interface allows authenticated users to perform a direct POST to receive an XML response without having to use the
web page. This allows the customer to design their own interface and script on their servers.
REQUIREMENTS FOR THE 700CREDIT XML INTERFACE

1. 700Credit supports two Environments (Test & Production). Each environment has its own URL to request reports:
Production Environnent - https://www.700Dealer.com/XCRS/Service.aspx
Test Environment - https://www.700CreditSolution.com/XCRS/Service.aspx
2. Communications must be performed utilizing an HTTPS over SSL on port 443.
3. Utilize the POST method to deliver the data. Posting Data as Query String is not supported.
4. Inquiry data should be sent as a list of name-value pairs. Each pair is separated by a carriage return/line feed. The “name” in every
pair is a parameter for communication with the 700Credit Interface. The “value” is the meaning of that parameter.
Header Data
* Required Fields for Credit Report Transactions
Parameter Description Valid Values
ACCOUNT * This is the account name assigned to you by 700Credit for use in
XML interface
PASSWD * This is the password assigned to your account
PRODUCT * The product being requested from 700Dealer interface. Only a CREDIT, OFAC, IDCHECK, REDFLAG,
single product can be requested in any transaction. OFAC and PRESCREEN, PREQUALIFY, SAVEONLY
REDFLAG can be set at the customer configuration levels to be
returned with EVERY Credit Report Requested.
BUREAU or MULTIBUR * Tells the interface which credit bureau(s) to request the file from. TU, XPN, EFX
If requesting a report from a single bureau, use the “BUREAU”
Name with one of the valid values: e.g. “BUREAU=XPN”
If requesting multiple bureau reports, use the “MULTIBUR” Name
with the multiple values separated by “:” e.g.
“MULTIBUR=TU:EFX:XPN”
PASS * Internal systems identifier 2
PROCESS * Internal systems identifier PCCREDIT
APP_MODIFIED Indicates if original application was modified, if so and bureau was “Y”
already requested, should be set to Y so that the duplicate check
is bypassed and a new report is obtained.
LOS_SYSTEM LOS System identifier (used with SAVEONLY option only) R1, DT, CUDL, APPONE
Applicant Information
X – Available in LOS System; R – Required in LOS System
Parameter Description Valid Values C R D A
NAME * The consumer's name. Normal format: FIRST M LAST. FN MN LN SUF R R R R
Middle names or initials are both accepted but are optional. NO special characters are allowed
Suffixes (e.g. Jr, Sr, III) are also accepted but optional. When except spaces. ONLY the Last Name can
separating first name and last name, be sure only one space accept a hyphen (-). Ex: Bugs BB Bunny-t
is inserted.
SSN * The consumer's Social Security number. Can be sent with or ###-##-#### X R R R
without dashes
DOB The consumer's date of birth. MM/DD/YY, MM/DD/YYYY X R R R
MM-DD-YY, MM-DD-YYYY
MM.DD.YY, MM.DD.YYYY
EMAIL Email address loaded into 700Dealer Database, if consumer X X X X
chooses to email consumer RBPN, it will be preloaded into
email box
PHONE Primary Applicant Phone Number X X X X
MOBILE Mobile number of Employee X X X
APP**PIN Primary Applicant Security Freeze Personal Identification APPTUPIN = TransUnion PIN

Number (PIN), obtained by consumer. Also known as Access APPEQPIN = Equifax PIN
Code, PIN is required to access consumer’s credit file if they
placed a security freeze on their file. For multiple credit APPEXPIN – Experian PIN
report requests, each bureau PIN will need to be sent on
the inquiry.
Applicant Address Information

ADDRESS * The consumer's street address ONLY the following Special characters X R R R
allowed:
“#” “-“ ”/” ”.”
CITY * The consumer's city of residence. ONLY Alphabetic characters allowed X R R R
(A)
STATE * The consumer's state of residence. It accepts ONLY Two ONLY Alphabetic characters allowed X R R R
Characters. (A) Ex: New York = NY
ZIP * The consumer's residence zip code. Only the first 5 digits XXXXX X R R R
are considered. 700Credit Interface Processing Rules: ONLY Numeric characters allowed (N)
1. First check to see if Zip Code contains ‘-‘(Hyphen), if it The below scenarios are valid Zip
does take the left of the hyphen (-) as the Zip Code. Codes:
2. If Zip Code contains more than 5 digits without hyphen Zip Sent in Post Zip sent to Bureau
(-) then first 5 digits are considered as Zip Code.
3. If Zip Code contains less than 5 digits then we are 32828-0000 32828
adding leading 0 in the left of the Zip Code and make it 32807-1060 32807
to 5 digit. 91739- 91739
328281060 32828
1173-1111 01173
2502 02502
022-121212 00022
CURRENTADDRESSPERIOD Applicant Current Address years ONLY Numeric characters allowed (N) X X X X
Applicant Previous Address Information

PREVADDRESS The consumer's previous street address ONLY the following Special characters X X X X
allowed:
“#” “-“ ”/” ”.”
PREVCITY The consumer's previous city of residence. ONLY Alphanumeric characters X X X X
allowed (A)
PREVSTATE The consumer's previous state of residence. It accepts only ONLY Alphabetic characters allowed X X X X
two Characters. (A)
New York = NY
PREVZIP The consumer's previous residence zip code. Only the first XXXXX X X X X
5 digits are considered. 700Credit Interface Processing ONLY Numeric characters allowed (N)
Rules:
1. First check to see if Zip Code contains ‘-‘(Hyphen), if it
does take the left of the hyphen (-) as the Zip Code.
2. If Zip Code contains more than 5 digits without hyphen
3. If Zip Code contains less than 5 digits then we are
adding leading 0 in the left of the Zip Code and make it
to 5 digit.
PREVADDRESSPERIOD Applicant Previous Address years ONLY Numeric characters allowed (N) X X X X
* Required Fields for “PRODUCT=CREDIT”

Applicant Housing Information

HOUSING Applicant Housing Type Rent/Own/Own_Freeandclear/Other X X X X
HOUSINGPAY Applicant Housing Payment ONLY Numeric Values allowed X X X
Applicant Employment Info

EMPLOYER Name of Employer R X R X
EMPLOYMENT STATUS Status of Current Employment X
POSITION Position of the employee in organization X X X X
YEARS Number of years of an Employee working in organization ONLY Numeric characters allowed (N) X X X X
MONTHS Total months of Employee working in organization ONLY Numeric characters allowed (N) X X X X
WPHONE Work Phone number of Employee X X X X

MINCOME Monthly Income of employee X X X X
OTHERINCOME Other Income from different sources ONLY Numeric or Decimal Values X X X X
allowed
OTHERINCOMEEXPLN Explanation of the Other income X X X X
TYPEOFBUSINESS Employee type Of Business
PREVEMPLOYER Name of the Previous Employer X X X X
PREVEMPLOYMENTYEARS Previous Employment Years ONLY Numeric characters allowed (N) X X X X
PREVINCOME Previous Employment Income X X X X
PREVOCCUPATION Previous Employment Occupation X X X X
PREVWORKPHONE Previous Work Phone Number
Applicant Driver’s License Information

DRIVERSLICENSENO Drivers License Number ONLY Alphanumeric characters X X X X
allowed
DLEXPIRATION Drivers License Expiration Date MM/DD/YY, MM/DD/YYYY X
DLSTATE State where the Driver License issued. Only accept two-digit ONLY Alphabetic characters allowed X X X X
state code. (A) Ex: New York = NY
DLCOUNTY County Name of consumer’s residence (relevant to Drivers ONLY Alpha Characters allowed
License).
Co-Applicant/Joint Information
SPOUSE The spouse and/or the co-applicant name. FN MN LN SUF X X X X
This value is Optional and should ONLY be sent if requesting (no special characters are allowed
a Joint credit application. except spaces) ONLY the Last Name can
accept a hyphen (-). Ex: Bugs BB Bunny-
t
SPOUSESSN The consumer's Social Security number. Can be sent with or ###-##-#### X X X X
without dashes
SPOUSEAGE The consumer's age YYY (1 – 100) X X X
SPOUSEDOB The consumer's date of birth MM/DD/YY, MM/DD/YYYY X X X X
SPOUSEMOBILE Spouse/Co-Applicant Mobile number X X X X
SPOUSEPHONE Spouse/Co-Applicant Phone number X X X X
SPOUSEEMAIL Spouse/Co-Applicant Email address X X X X
COAPP**PIN Co-Applicant Security Freeze Personal Identification COAPPTUPIN

Number (PIN), obtained by consumer. Also known as Access COAPPEQPIN
Code, PIN is required to access consumer’s credit file if they COAPPEXPIN
placed a security freeze on their file. For multiple credit
report requests, each bureau PIN will need to be sent on
the inquiry.
Co-Applicant Address Information

SPOUSEADDRESS The consumer's previous street address ONLY the following Special characters X X X X
allowed: “#” “-“ ”/” ”.”
SPOUSECITY The consumer's previous city of residence. ONLY Alphanumeric characters allowed X X X X
(A)
SPOUSESTATE The consumer's previous state of residence. It accepts only ONLY Alphabetic characters allowed X X X X
two Characters. (A)
New York = NY
SPOUSEZIP The consumer's previous residence zip code. Only the first XXXXX X X X X
5 digits are considered. 700Credit Interface Processing ONLY Numeric characters allowed (N)
Rules:
1. First check to see if Zip Code contains ‘-
‘(Hyphen), if it does take the left of the hyphen (-
) as the Zip Code.
2. If Zip Code contains more than 5 digits without hyphen
3. If Zip Code contains less than 5 digits then we are
adding leading 0 in the left of the Zip Code and make it
to 5 digit.
SPOUSEADDRESSPERIOD Spouse/Co-Applicant Current Address years/months XXXXX X X X X
ONLY Numeric characters allowed (N)
Co-Applicant / Previous Address Information

SPOUSEPREVADDRESS Spouse/Co-Applicant Previous Address ONLY the following Special characters X X X X
allowed: “#” “-“ ”/” ”.”
SPOUSEPREVCITY Spouse/Co-Applicant Previous City name ONLY Alphanumeric characters allowed X X X X
(A)
SPOUSEPREVSTATE Spouse/Co-Applicant Previous State name ONLY Alphabetic characters allowed X X X X
(A)
New York = NY
SPOUSEPREVZIP Spouse/Co-Applicant Previous State name ONLY Alphabetic characters allowed X X X X
(A)
New York = NY
DURATION Spouse/Co-Applicant Previous Address Years/Months X
Co-Applicant Housing Information

SPOUSEHOUSING Spouse/Co-Applicant Housing type Rent/Own/Own_Freeandclear/Other X X X X
SPOUSEHOUSINGPAY Spouse/Co-Applicant Housing Payment Only Numeric characters allowed (N) X X
Co-Applicant Employment Info

SPOUSEEMPLOYERNAME Spouse/Co-Applicant Employer name X X X
SPOUSEOCCUPATION Spouse/Co-Applicant Occupation X X X
SPOUSEEMPLOYMENTPEIOD Spouse/Co-Applicant Employment period X X X
SPOUSEWORKPHONE Spouse/Co-Applicant Work Phone number X X X
SPOUSEINCOME Spouse/Co-Applicant Income ONLY Numeric or Decimal Values X X X
allowed

SPOUSEOTHERINCOME Spouse/Co-Applicant Other Income ONLY Numeric or Decimal Values X X X

allowed
SPOUSEOTHERINCOMEEXPLN Spouse/Co-Applicant Other Income Source X X X
Co-Applicant Driver’s License Information

SPOUSEDRIVERSLICENSENO Spouse and/or co-applicant Drivers License Number ONLY Alphanumeric characters X
allowed
SPOUSEDLEXPIRATION Spouse and/or co-applicant Drivers License Expiration Date MM/DD/YY, MM/DD/YYYY
SPOUSEDLSTATE Spouse and/or co-applicant State where the Driver License ONLY Alphabetic characters allowed X
issued. Only accept two-digit state code. (A) Ex: New York = NY
SPOUSEDLCOUNTY Spouse and/or co-applicant County Name of consumer’s ONLY Alpha Characters allowed
residence (relevant to Drivers License).
Vehicle Information
LOANTYPE Loan Type for the Dealer Auto, RV, Marine, Motorcycle X
Note: if Loan Type is not provided, default value is always
Auto
ISNEW Is New vehicle True/False X R X
YEAR Booking year of Vehicle ONLY Numeric characters allowed (N) X X R X
NMAKE Make of the Vehicle X X R X
EXTERIORCOLOR Exterior Color of the Vehicle X
MODEL Model of the Vehicle X X R X
NVINNUMBER VIN number X X X X
STOCKNUMBER Stock Number of Vehicle X X X
Vehicle Finance Information

PURCHASEPRICE Purchase Price of the vehicle ONLY Numeric or Decimal Values X R X
allowed
FINANCEAMOUNT Finance Amount on Vehicle ONLY Numeric or Decimal Values X X
allowed
INVOICEAMOUNT Invoice Amount of the Vehicle ONLY Numeric values allowed X
DOWNPAYMENT Down Payment ONLY Numeric or Decimal Values X X X X
allowed
UNPAIDBALANCE Unpaid balance of the Vehicle ONLY Numeric values allowed X
TITLEREGISTRATIONFEE Title and Registration Fees ONLY Numeric values allowed X
ADDITIONALITEMSAMOUNT Amount for Additional Item in Vehicle ONLY Numeric or Decimal Values X X
allowed
SERVICECONTRACTAMOUNT Amount for Vehicle Service Contract ONLY Numeric or Decimal Values X
allowed
TAXAMOUNT Tax Amount ONLY Numeric or Decimal Values X X

allowed
REQTERM Requested Term in Months ONLY Numeric characters allowed (N) X X X
REQAMOUNT Requested Amount ONLY Numeric or Decimal Values X
allowed
ISPRIMARY Is Primary Vehicle True/false
APR Annual Percentage Rate #####.99, Decimal Value X
GAP GAP Insurance Amount X

MSRP Manufacturer’s Suggested Retail Price ONLY Numeric characters allowed (N) X
Trade In Vehicle Information

TRADEINMFGYEAR Stock Number of Vehicle ONLY Numeric characters allowed (N) X X X X
TRADEINMAKE Make of the Vehicle X X X X
TRADEINMODEL Model of the Vehicle X X X X
MILEAGE Mileage of the vehicle ONLY Numeric characters allowed (N) X X X
TRADEALLOWANCE Trade Allowance amount ONLY Numeric or Decimal Values X X X
allowed
TRADEINDOWNPAYMENT Down Payment amount Decimal Value
ISFINANCED Is Vehicle Financed or not True/false
FINANCIALINSTITUTION Name of the Financial Institution X
TRADEPAYOFFAMOUNT Trade pay off amount ONLY Numeric values allowed X
TRADEMONTHLYPAY Monthly Payment on Trade in Vehicle ONLY Numeric values allowed X
Comments
COMMENTS X X X
User Data
Parameter Description Valid Values R D C A
A_USER_NAME User Name of User in Affiliate system recorded for
auditing purposes
A_USER_ID User Id from affiliate system to be recorded with record of

transaction

PROGRAMMING NOTES
1. DOB is an optional parameter according to credit bureau specifications but should be included in development of interface as it
raises the hit rate for credit inquiries.
2. The format of the response is defined and maintained in 700Credit and carried forward automatically for each dealer added for
the partner interface. If you would like your response modified, data added or removed. Please email the request to our
integration support manager.
3. SPOUSE and the other SPOUSE-related name-value pairs should only be sent if a Joint Credit Report is requested. SPOUSE does not
necessarily need to be the Consumer's Spouse, it's really the Co-Applicant.
4. The PRODUCT field dictates the product returned as a standalone product, each of these products can also be set to “Always
Return” attached to the credit report in account setup in 700Dealer..
5. Parameters which are required differ based on type of PRODUCT requested:
“CREDIT” First Name, Last Name, SSN, Address, City, State and Zip
“IDCHECK” Only the SSN is required, all other parameters will be ignored.
“OFAC” Only the First Name and Last Name are required. Everything else will be ignored.
“REDFLAG” First Name, Last Name, SSN (optional), Address, City, State and Zip
“PRESCREEN” First Name, Last Name, Address, City, State and Zip
“PREQUALIFY” First Name, Last Name, Address, City, State and Zip
“SAVEONLY” First Name, Last Name, Address, City, State and Zip
6. Access is granted to the different PRODUCTS based on the account setup in 700Dealer. Typically 95% of the requests coming from
your system will be CREDIT only which can be configured to also always contain OFAC or RedFlag. So in those instances those do
not need to be requested separately.
7. PAY Special attention to the valid values column. Invalid characters in fields will result in credit bureau errors. It is important to
drive user success rate as high as possible. Editing for these should be done at the point of entry by your system.
8. All applications submitted and returned through the XML interface are also available through 700Dealer.
9. Some of the features of the IFRAME require that 700Dealer.com be a TRUSTED SITE. Please be sure this is part of your installation
guide for your customers.
10. By default, all accounts are subject to the duplicate check. Search is based on social security number. If the application has been
modified within your system since the last submission, you should submit the App_Modified flag. This overrides this feature so it
will not be performed and request can be sent to the bureau.
11. For PRESCREEN and PREQUALIFY product, refer to Prescreen Specification Addendum. Also note that a Separate Account ID and
Password must be maintained for prescreen and prequalify in your database. This implies you will need to maintain a minimum of
two user id’s and pass
12. SAVEONLY, this product allows you to provide your users a button to push into DealerTrack, RouteOne or CUDL. The SAVEONLY
feature, takes all elements found in the inquiry string and passes them directly into the system indicated. Either DealerTrack,
RouteOne or CUDL (AppOne coming soon)
SAMPLE REQUESTS
Single Credit Bureau Request:
ACCOUNT=gate&PASSWD=test1234&PRODUCT=CREDIT
&BUREAU=XPN&PASS=2&PROCESS=PCCREDIT&NAME=Bugs Bunny&ADDRESS=60 Main St&CITY=Fantasy
Island&STATE=IL&ZIP=60750&SSN=400-41-4001&A_USER_NAME=TestUser&A_USER_ID=tuser
Single Credit Bureau Request with Security Freeze PIN:

ACCOUNT=gate&PASSWD=test1234&PRODUCT=CREDIT
&BUREAU=XPN&PASS=2&PROCESS=PCCREDIT&NAME=Bugs Bunny&ADDRESS=60 Main St&CITY=Fantasy
Island&STATE=IL&ZIP=60750&SSN=400-41-4001&A_USER_NAME=TestUser&A_USER_ID=tuser&APPEXPIN=123456
Multiple Credit Bureau Request:

ACCOUNT=gate&PASSWD=test1234&PRODUCT=CREDIT&MULTIBUR=XPN:TU&PASS=2&PROCESS=PCCREDIT&NAME=Bugs
Bunny&ADDRESS=60 Main St&CITY=Fantasy Island&STATE=IL&ZIP=60750&SSN=400-41-4001

Multiple Credit Bureau Request with Security Freeze PIN:

ACCOUNT=gate&PASSWD=test1234&PRODUCT=CREDIT&MULTIBUR=XPN:TU&PASS=2&PROCESS=PCCREDIT&NAME=Bugs
Bunny&ADDRESS=60 Main St&CITY=Fantasy Island&STATE=IL&ZIP=60750&SSN=400-41-
4001&APPTUPIN=123456&APPEXPIN=456789
SaveOnly Request:
ACCOUNT=gate&PASSWD=test1234&PRODUCT=SAVEONLY&PASS=2&PROCESS=PCCREDIT&NAME=Bugs Bunny&ADDRESS=60
Main St&CITY=Fantasy Island&STATE=IL&ZIP=60750&SSN=400-41-4001
SaveOnly Request with LOS System:

Main St&CITY=Fantasy Island&STATE=IL&ZIP=60750&SSN=400-41-4001&LOS_SYSTEM=DT
Bypass Duplicate Check

By passing this parameter on the inquiry, the interface duplicate check is bypassed and inquiry is sent directly to the bureau.
&APP_MODIFIED=Y
This parameter should be set if at any time the applicant data has been modified, co app added or modified AND the user requests a
credit report again. Do not pass this parameter IF ONLY the bureau has changed.. Or a bureau is requested that has not been
requested previously.
Sample Request:
ACCOUNT=gate&PASSWD=******&PRODUCT=CREDIT&BUREAU=XPN&PASS=2&PROCESS=PCCREDIT&NAME=Bugs Bunny&ADDRE
SS=60 Main St&CITY=Fantasy Island&STATE=IL&ZIP=60750&SSN=400-41-4001&APP_MODIFIED=Y
Employment Info & Applicant_DesiredVehicleInfo Request:

ACCOUNT=gate&PASSWD=test1234&PRODUCT=CREDIT&BUREAU=XPN&PASS=2&PROCESS=PCCREDIT&NAME=Bugs Bunny&ADD
RESS=60 Main St&CITY=Fantasy Island&STATE=IL&ZIP=60750&SSN=400-41-
4001&Employer=Halcyon&Position=SoftwareEngineer&WPhone=7078947246&Mobile=7418524561&Years=5&TypeOfBusiness=S
elf&MIncome=12345&OtherIncome=2314&OtherIncomeExpln=FreeLancer&Months=4&NVinNumber=4567891234&NYear=1997
&NMake=Yamaha&NModel=2000&NStockNumber=878

III. XML Response Format with IFrame

The data returned in the response is driven through setup parameters in 700Dealer. The Credit Report itself may be returned in either
TTY, an HTML Common Format or a custom format. Additional data that may be returned in the XML are:
- Credit Score Data in XML tags

- Raw Credit Bureau Data Format
- OFAC Data in XML tags
- Red Flag Search Result Data in XML tags
XML SAMPLE RESPONSE

The below response sample shows Credit Score Data Tags, RED FLAG Tags and OFAC Tags with a TTY report:
TRANSID
Note the below element in the above response. This is a specific reference number assigned to your request and response. It is important
to retain this information for each request if you will not be storing the credit data on your system. This reference number can be sent
to the gateway at a later date and the original response will be returned.
<Transid>165063373</Transid>
If you or your customers are utilizing the 700Dealer Quick Application on their web site, the XML export and application arrival notification
email will also contain the above TRANSID. This reference number may then be sent to the gateway to retrieve the credit report returned
from the Quick Application request

CREDIT REPORT RETURNED IN AN IFRAME

This feature allows you to present your dealerships the credit report within an IFRAME. With this type of solution
there is no need for the credit report to be transmitted to your software or retained on any of your servers. This
alleviates a lot of the government requirements for retaining consumer sensitive data on your system.
Included here an example of what the response looks like in Iframe.
Response Example
Response Example with Summary Elements

Summary Elements is an optional feature that can be enabled at the user settings level, in which it returns bureau specific information
in summary fashion. Below is a sample response, followed by the data dictionary.

700Credit Section Characteristic Bureau Tags
<bureau_summary_xml_data> <EFX_Summary_Report> OR
<TU_Summary_Report> OR
<XPN_Summary_Report>
Section One: Demographic <Demographics>

Information
Borrower Name <Borrower_Name>
Credit Report Date <Credit_Report_Date>, date of transaction
Date in File -
(or Date of Oldest Trade) <Oldest_Trade>, MMYY format
Borrower Current Address:
· Street Number <Current_Address>
· Apt Number
· Street Name
· City <City>
· State <State>
· ZIP <Zip>
Borrower Previous Address: <Previous_Address>
· Street Number
· Apt Number
· Street Name
· City <City>
· State <State>
· ZIP <Zip>
· Date Reported
Borrower Current Employer: <Current_Employer>
· Employer Name <Employer_Name>

· Employer Address <Employer_Address>
· Occupation <Occupation>
· Date Hired <Date_Hired>
· Date Separated <Date_Separated>
· Date Reported <Date_Reported>
Borrower Previous Employer: <Previous_Employer>
· Employer Name <Employer_Name>
· Employer Address <Employer_Address>
· Occupation <Occupation>
· Date Hired <Date_Hired>
· Date Separated <Date_Separated>
· Date Reported <Date_Reported>
</Demographics>
Score Summary <Scores>
Borrower FICO Score <Scoring>

<Score> </Score>
<ScoreModel> </ScoreModel>
<factor1></factor1> through <factor5></factor5>
</Scoring>
Borrower Bankruptcy Score Included as previously, return all scores returned by

the bureau.
</Scores>
Auto Summary <Auto_Summary>
Auto Summary:
· Total Balance <Total_Balance>
· Monthly Payment <Total_Monthly_Pay>
· Total Auto Trades <Total_Auto_Trades>
· Open Auto Trades <Total_Open_Auto_Trades>
· # of Auto 30 <Total_30DPD>

Most Recent Auto Trade: <Most_Recent_Auto_Trade>, single most recent
· Account Name <Account_Name>
· Status <Status>
· Date Opened <Date_Open>
· Open or Closed <Open_Closed>
· Current Balance <Current_Balance>
· Original Amount <Original_Amount>
· Interest Rate <APR>
· Monthly Payment <Monthly_Payment>
· Past Due Amount <Past_Due_Amount>
· # of 30 <Total_30DPD>
· Total Paid Auto Accounts <Total_paid>
· Total Current Auto <Total_Current>

Accounts
· Total Delinquent Auto <Total_delinquent>

Accounts
· Total Repo Auto <Total_Repo>

Accounts
</Auto_Summary>
700Credit Summary
Summary Line: <_700Credit_Summary>
· Total Number of Trades <Total_Trades>
· Oldest Trade Date <Oldest_Trade>
· Number Current Trades <Total_Current_Trades>

· Number of Negative <Total_Negative_Trades>

Trades
· Historical Negatives <Total_Historical_Trades>
· Number of Collections <Total_Collections>
· Number of Public <Total_Public_Records>

Records
· # of 30 <Total_30_Day_Trades>
· Inquiries <Total_Inquiries>
· Inquiries Last 6 Months <Total_Inquiries_6mos>
· Total High Credit for all <Total_High_Credit>

Open Accounts
</_700Credit_Summary>
Revolving Accounts: <Revolving>
· Number of Accounts <Total_Accounts>
· Total Balance <Total_Balances>
· Total Past Due Amount <Total_Past_Due>
· Total <Total_Monthly_Pay>
Scheduled/Estimated Monthly
Payment
· Total Paid Revolving <Total_Paid>

Accounts
· Total Current Revolving <Total_current>

Accounts
· Total Delinquent <Total_delinquent>

Revolving Accounts
</Revolving>
Real Estate / Mortgage <Mortgage>

Accounts:

· Total Past Due Amount < Total_Past_Due>
Payment
</Mortgage>
Installment Accounts: <Installment>
· Total Past Due Amount < Total_Past_Due>
Payment
· Total Paid Installment <Total_Paid>

Accounts
· Total Current Installment <Total_current>

Accounts
· Total Delinquent <Total_delinquent><total

Installment Accounts
</Installment>
Currently 30/60/90 DPD Open Trades that are currently <Total_Current_30_Day_Trades>

30/60/90 DPD
<Total_Current_60_Day_Trades>
<Total_Current_90_Day_Trades>
Collections <Collections>
Number of Medical Collections Unknown
</Collections>
Public Records <Public_Record_Bankruptcy>
Latest Bankruptcy Return most Recent Chapter 13 BK

Information:
· Bankruptcy type <BK_Type>
· Date Filed <Date_Filed>

· Date Verified <Date_Verified>
· Date Paid <Date_Paid>
· Amount <Amount>
· Balance </Public_Record_Bankruptcy>
Alerts <alerts>
Fraud/Security/Freeze Alerts <alert_message_1>
Alternative Iframe URL returned in response

<![CDATA[ <iframe id=FrmCreditRepXGI src=https://www.700CreditSolution.com/ XmlGatewayIframe.aspx?url=74224f5b-55a6-4aef-9c5c-
7b4f4d42e647 height=”580” width=”98%” frameborder=0 class=”redflagIframe” scrolling=auto> </iframe
Viewing Report Again at a Later Time

Partners software can either store the Transid or store the IFRAME URL within their application to allow the
dealer to view the report at a later time. The application should display the credit report history somewhere
within their software. When user selects to see a report previously requested, use the IFRAME or Transid which
was stored to view the previously pulled report. At that time, you should append the user name and password
to view report. The IFrame URL is good for 90 days, the Transid is good indefinitely.
Do not store IFRAME’s locally where they could be viewed by any local user. Or do not write IFrame URL to
local machine temporarily with user id and password appended before viewing.

IFrame Example
Screen – 1
Screen – 2


Screen 3:

I Frame Example with letters:

Both Credit Report and letters within single iframe like “screen 4” below
Screen 4:
SAVEONLY RESPONSE

DUPLICATE FOUND
When enabled the social security number from the inquiry is utilized to search the database to determine if this applicant was requested
for the same bureau in the last 3 days. If found the below tags will be returned. Please note, duplicate check can be bypassed, please
see Bypass Duplicate Check in previous section.
<DuplicateFound>Y</DuplicateFound>
XML SCORE ELEMENTS FOR IFRAME 2.0

Scorecard details are available in separate tags that are available for use within your application. Score tags are
different from one bureau to another as screen shot below illustrates.

IV. Credit Report Format Examples

The sample responses below are for the credit bureaus TTY format response, the 700Credit HTML Credit Report Format and Custom
format response:
TTY FORMAT
<body><pre>
TRANSUNION CREDIT REPORT
[FOR] [SUB NAME] [MKT SUB] [INFILE] [DATE] [TIME]

(I) Z TR3887636 TEST CODE RE 32 QU 10/04 02/17/09 06:41C
[SUBJECT] [SSN] [BIRTH DATE

BUNNY, BUGS 400-41-4001 1/81
[CURRENT ADDRESS] [DATE RPTD]
60 MAIN ST., FANTASY ISLAND IL. 60750 10/04
[CURRENT EMPLOYER AND ADDRESS] [RPTD]
DONALD DUCK
2/09
[FORMER EMPLOYER AND ADDRESS]
CARROTS R US
2/09
***WARNING INTERNAL USE ONLY - NOT FOR RESALE***
------------------------ 700Credit Auto Summary ---------------------------+
Total Bal Month Pay Total Auto Open Auto 30 60 90

--------- --------- ---------- --------- -- -- --
$0 $0 1 0 0 0 0
Account Name Dat Open Curr Bal Mnth Pay Mos Rep PAYPAT 1-12
Account# Status Opn/Clsd Orig AMT Past Due 30 60 90 PAYPAT 13-24
------------ ------------ -------- -------- -------- -- -- -- ------------
BANKAMERICA Paid or payi 10/00 $0 $0 16 11111111111X
02584003 ng as agreed Closed $33.8K - 00 00 00 XXX1
--------------------------------------------------------------------------+
C R E D I T S U M M A R Y # # # T O T A L F I L E H I S T O R Y
PR=0 COL=0 NEG=0 HSTNEG=0-0 TRD=9 RVL=5 INST=4 MTG=0 OPN=0 INQ=2
HIGH CRED CRED LIM BALANCE PAST DUE MNTHLY PAY AVAILABLE
REVOLVING: $2382 $2000 $75 96%
INSTALLMENT: $77.2K $30.6K $680
TOTALS: $79.6K $2000 $30.7K $680
---------------------------------------------------------------------------
M O D E L P R O F I L E
***FICO AUTO 04 SCORE +834 : LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
***LACK OF RECENT BANK REVOLVING INFORMATION; LENGTH OF TIME REVOLVING
***ACCOUNTS HAVE BEEN ESTABLISHED ***
---------------------------------------------------------------------------
T R A D E S
SUBNAME SUBCODE OPENED HIGHCRED TERMS MAXDELQ PAYPAT 1-12 MOP
ACCOUNT# VERFIED CREDLIM PASTDUE AMT-MOP PAYPAT 13-24
ECOA COLLATRL/LOANTYPE CLSD/PD BALANCE REMARKS MO 30/60/90
KEY BANK B 278A011 10/00 $33.8K 180M450 11111111111X I01
1555156123564895 2/09V $0 1111111111X1
C MANUFACTURED HOUS $30.6K 6V 0/ 0/ 0
GEMB/M WARD D 235007N 12/99 $700 111111111111 R01

1234567 2/09V $0
P BRCP8P DL1402 7/04P $0 12 0/ 0/ 0
BELK D 105E001 12/99 $101 1 R01

123451 2/09V $0

P 3/04P $0 1 0/ 0/ 0
GEMB/M WARD D 235007N 12/99 $700 111111111111 R01

9876543 2/09V $0 111111111111
P ABCD1E FG123 $75 48 0/ 0/ 0
HSBC/RS Q 235166Y 3/99 $704 1XXXX1111111 R01

5554445665455 2/09V $2000 $0 1X11XXX1
P 4/02P $0 31 0/ 0/ 0
BANKAMERICA B 2584003 10/00 $33.8K 180M 11111111111X I01

1235464555636899 2/09V $0 XXX1
P AUTOMOBILE 16 0/ 0/ 0
WACHOV/FTU B 362N290 8/99 $5500 M230 X11X1111X1XX I01

1235554 2/09V $0 111X1
C 2/01P $0 17 0/ 0/ 0
JCP-MCCBG D 1972015 2/02 $177 11111111XXX1 R01

585654654 2/09V $0
C 7/04P $0 12V 0/ 0/ 0
WACHOV/FTU B 362N288 9/00 $4100 3M IUR

6552565 2/09V
C 9/00P $0 1V 0/ 0/ 0
---------------------------------------------------------------------------
I N Q U I R I E S
DATE SUBCODE SUBNAME TYPE AMOUNT
2/17/09 ZTR3887636(CHI) TEST CODE RE
12/15/06 XUS0000102(CHI) TEST SUBCODE
---------------------------------------------------------------------------
C R E D I T R E P O R T S E R V I C E D B Y :
TRANSUNION TEST FACILITY 800-888-4213
555 WEST ADAMS,CHICAGO, IL. 60661
Consumer disclosures can be obtained online through TransUnion at:
http://www.transunion.com
END OF TRANSUNION REPORT

</pre></body>

HTML SCREEN SAMPLE

CUSTOM FORMAT
TRANSUNION CREDIT REPORT
--------------------------------------------------------------------------------
REPORT DATE: 10-29-08
Credit Report
Prepared for: PrafuHonda
Requested: TU - I
--------------------------------------------------------------------------------
APPLICANT INFORMATION
--------------------------------------------------------------------------------
App: CONSUMER, JONATHON SSN: XXX-XX-3388 Age:
Cap: SSN: Age:
Curr Addr: 12 TEST,TEST PA 19076
Prev Addr:
--------------------------------------------------------------------------------
CREDIT SUMMARY
--------------------------------------------------------------------------------
ACCOUNT DISTRIBUTION CURRENT STATUS
Account Type Count Balance Payments Curr Clsd Unrt 30 60 90+
Real Estate 0 $0 $0 - - - - - -
Installment 5 $11,375 $1,226 2 2 3 - - -
Revolving 7 $2,496 $70 7 1 - - - -
Other 9 $4,233 $0 2 6 7 - - -
Total 21 $18,104 $1,296 11 9 10 - - -
AVAILABLE CREDIT
Revolving 10% $304
INQUIRIES PUBLIC RECORDS HISTORICAL DELINQUENCIES
Inquiries 57 Last 2yrs 1 Account Type LastDlq 30 60 90+
Elim Same Day 0 TU 1 Real Estate - - -
Adjusted Total 57 Installment 2 - -
New Trades(6MO) 0 Revolving - - -
Other - - 1
Oldest Trd: 11-99 Total 2 - 1
--------------------------------------------------------------------------------
BUREAU SCORE INFORMATION
--------------------------------------------------------------------------------
TU (APP)=+646 Factor: 040,013,010,002, ScoreCard: FICO Auto 04
***No alert information is found in the file***
040 Derogatory public record or collection filed
013 Time since delinquency is too recent or unknown
010 Proportion of balances to credit limits is too high on bank revolving or o
ther revolving accounts
002 Level of delinquency on accounts
--------------------------------------------------------------------------------
****** DEROGATORY ITEMS ******
--------------------------------------------------------------------------------
- - DEROGATORY ACCOUNTS UNDER APPLICANT - -

Account Name/Number (Sources) Past Due Last
Open High Payment Balance MOP Status Rptd 30 60 90 MR DLQ
--------------------------------------------------------------------------------
1 DAIMLERCHRYS181081818 (TU-Q0624C106) (APP)
I 09-01 15800 264 5812 I-01 10-08 02 00 00 24 10-08
Hist: 09-08 111111121112111111111111 OPEN Individual

Ctgy: Automobile Term: 63M
Lates: 2x30:01-08;09-07;
Comment:
- - COLLECTION ACCOUNTS UNDER APPLICANT - -

--------------------------------------------------------------------------------
1 CREDIT PAC/12818181 (TU-Y03519004) (APP)
I 08-04 364 N/A 364 O- 08-08
Hist: OPEN Individual
Ctgy: Lmt: 364
Cred: MEDICAL
- - PUBLIC RECORD INFORMATION - -

--------------------------------------------------------------------------------
1 Civil judgement Individual; Amt: 5218; Reported 02/07; Docket 95M1218188;P
laintiff ACME HARDWARE; Court Municipal Court; (TU-Z05027321)(APP)
--------------------------------------------------------------------------------
TRADE LINE ACCOUNTS
--------------------------------------------------------------------------------
- - ACCOUNTS UNDER APPLICANT - -

--------------------------------------------------------------------------------
1 DISCOVER FIN128181818 (TU-B09616003) (APP)
I 11-99 2911 70 2496 R-01 10-08 00 00 00 29 10-08
Ctgy: Credit Card Term: MIN
Comment:
2 CHASE AUTO18181 (TU-B08428001) (APP)
I 09-04 4000 0 3869 C-01 10-08 00 00 00 29 10-08
Ctgy: Term: 10M
Comment:
--------------------------------------------------------------------------------
IDENTIFICATION INFORMATION
--------------------------------------------------------------------------------
1 CONSUMER,JONATHON QUINCY SSN: XXX-XX-3388 DOB: (TU)
--------------------------------------------------------------------------------
ADDRESS INFORMATION
--------------------------------------------------------------------------------
1 12 TEST,TEST PA 19076
Rptd 10 08 (TU) (APP)
2 0 C10255 BIRCH ,BURBANK,CA 91350
Rptd 10-08 (TU) (APP)
--------------------------------------------------------------------------------
NAME AND AKA INFORMATION
--------------------------------------------------------------------------------
1 CONSUMER,JONATHON QUINCY (TU) (APP)
2 JONES,JONATHAN,SMITH,JR(TU) (APP)
3 SMITH,JACK(TU) (APP)

--------------------------------------------------------------------------------
EMPLOYMENT INFORMATION
--------------------------------------------------------------------------------
1 MON TEST
Rptd 10-08 (TU) (APP)
2 ZOOTLAND Hired 10-03
GARDENER Rptd 10-08 (TU) (APP)
--------------------------------------------------------------------------------
CONSUMER REFERRAL INFORMATION
--------------------------------------------------------------------------------
1 TU - TRANS UNION LLC, PHONE: 800-888-4213
2 BALDWIN PLACE, P.O. BOX 1000, CHESTER, PA 19022
--------------------------------------------------------------------------------
****** END OF REPORT ******

V. Requesting Previously Pulled Reports

The 700Dealer interface allows the original IFRAME URL to be utilized for 90 days. For retrieval of previously
pulled reports greater than 90 days of their being pulled. The unique token for the report must be stored and
retrieved from the original report request. This can be found in the “HX5.HX5_transaction_information.Token”
node of the XML Format. The XML version you are using can be found in the Document Element of the XML
return. Contact your representative if you have questions.
IFrame users may also store original IFRAME url provided and utilize that when requesting a previously pulled
report. However Original IFRAME url will be valid for 90 days. To view a report older than that, a request for a
previously pulled report with a trans id must be sent which is available indefinitely.
REPORT RETRIEVAL COMMUNICATION REQUIREMENTS

The following URL is used to access previously pulled reports:
Production Environment: https://www.700Dealer.com/XCRS/Service.aspx

Development Environment https://www.700CreditSolution.com/XCRS/Service.aspx
ACCESS REQUEST DATA PARAMETERS

Parameter Name Description Valid Values
ACCOUNT This is the account name assigned to you by 700Credit. This can be the
original account or an account that has administrative rights to view reports
pulled by the original account.
PASSWD This is the password assigned to your account
PASS Internal 700Dealer system identifier 109
PROCESS Internal 700Dealer system identifier PCCREDIT
REF Trans ID value from the original XML response
-<ACCOUNT> A “-“ followed by the account id used in original request, in the below
sample account is “test”. Note both the Account requesting the previously
pulled report and the original account are the same in this sample.
SAMPLE REQUEST FOR PREVIOUSLY PULLED REPORT

ACCOUNT=test&PASSWD=test1234&PASS=2&PROCESS=PCCREDIT&REF=700D000001048-test
ADDITIONAL TAGS RETURNED FOR PREVIOUSLY PULLED REPORTS

Additional information can be obtained from the application of a previously pulled report. This comes into
play especially when obtaining data from 700Credits “Quick App” product.
<Extra_data>
<Application_data>
<Name>Deanna N Bridges</Name>
<Address>603 South St</Address>
<SSN>196-58-2382</SSN>
<DOB></DOB></Application_data>
<Job_Information>
<Employer>Laurelwood Care Center</Employer>
<Occupation>CNA</Occupation>
<HowLong>4</HowLong
<EmployerPhone>8142551488</EmployerPhone>

<MonthSalary>1800.0000</MonthSalary>
<OtherIncome>4800.0000</OtherIncome></Job_Information>
<Residence_Information>
<LivingArrangement>Own</LivingArrangement>
<HowLongAtCurrentAddress>6</HowLongAtCurrentAddress>
<RentOrMortgageAmount>0.0000</RentOrMortgageAmount>
<MobilePhone>8142445373</MobilePhone></Residence_Information></Extra_data>
EXAMPLE RESPONSE FOR PREVIOUSLY PULLED REPORTS

<?xml version="1.0" encoding="utf-8"?><Results>
<XML_Version>Iframe 2.0</XML_Version>
<Transaction_Information>
<Transid>700D000573205</Transid>
<Token>700D001f4429-89ef-4ec8-95c1-f8df16dd55ce</Token>
</Transaction_Information>
<bureau_xml_data>
<TU_Report>
<subject_segments id="SH01" num="1">
<scoring_segments id="" product="">
<scoring id=""><ModelIndicator code="00V60">VantageScore 3.0</ModelIndicator>
<sign>+</sign>
<score>825</score>
<ScoreRange>For the transunion Score Card, scores range from a low of 300 to a
high of 850</ScoreRange>
<factor1 code="I">Inquiries did impact the credit score and, for models that
indicate it, no derogatory info was found in the file</factor1>
</scoring>
</scoring_segments>
</subject_segments>
</TU_Report>
</bureau_xml_data>
<CoApplicant_data>
<CoApp_Extra_data>
<CoApp_Application_data>
<CoApp_Name>Francis CoApp</CoApp_Name>
<CoApp_Address>88 Grafton Ave Apt 2</CoApp_Address>
<CoApp_SSN>666-48-1612</CoApp_SSN>
<CoApp_DOB>01/01/1900</CoApp_DOB>
</CoApp_Application_data>
<CoApp_Job_Information>
<CoApp_Employer/>
<CoApp_Occupation/>
<CoApp_HowLong/>
<CoApp_EmployerPhone/>
<CoApp_MonthSalary/>
<CoApp_OtherIncome/>
</CoApp_Job_Information>
<CoApp_Residence_Information>
<CoApp_LivingArrangement/>
<CoApp_HowLongAtCurrentAddress>0</CoApp_HowLongAtCurrentAddress>
<CoApp_RentOrMortgageAmount>0.0000</CoApp_RentOrMortgageAmount>
<CoApp_MobilePhone/>
</CoApp_Residence_Information>
<CoApp_IPAddress>209.131.10.106</IPAddress>
</CoApp_Extra_data>
<CoApp_bureau_xml_data>
<CoApp_TU_Report>
<subject_segments id="SH01" num="1">
<scoring_segments id="" product="">
<scoring id="">
<ModelIndicator code="00P12">FICO Auto 04</ModelIndicator>
<sign>+</sign>
<score>771</score>
<ScoreRange>For the Transunion Score Card, scores range from a low of 250 to a
high of 900</ScoreRange>
<ScoreRank>Your credit score ranks higher than 58 percent of the U.S.
Consumers</ScoreRank>
<factor1 code="014">Length of time accounts have been established</factor1>
<factor2 code="010">Proportion of balances to credit limits is too high on bank
revolving or other revolving accounts</factor2>
<factor3 code="011">Amount owed on revolving accounts is too high</factor3>
<factor4 code="008">Too many inquiries last 12 months</factor4>
<factor5 code="I">Inquiries did impact the credit score and, for models that
indicate it, no derogatory info was found in the file</factor5>
</scoring>
</scoring_segments>
</subject_segments>
</CoApp_TU_Report>
<custom_report_url>
<iframe id="FrmXGI"
src="https://www.700creditsolution.com/XmlGatewayIframe.aspx?url=001f4429-89ef-
4ec8-95c1-f8df16dd55ce&user=IFRAMEP" height="580" width="98%" frameborder="0"
scrolling="auto"> </iframe>
</custom_report_url>
<custom_report>
<![CDATA[
<html xmlns="http://www.w3.org/1999/xhtml"><iframe id="FrmXGI"
src="https://www.700creditsolution.com/XmlGatewayIframe.aspx?url=001f4429-89ef-
4ec8-95c1-f8df16dd55ce&user=IFRAMEP" height="580" width="98%" frameborder="0"
scrolling="auto"> </iframe></html>]]></custom_report>
</Results>

VI. 700Credit’s Compliance Dashboard

Compliance is a critical component to your dealerships. Being able to offer a seamless integration into
700Credit’s Compliance Dashboard provides your customers with a complete compliance suite that you can
brand as your own. Simply FRAME the below URL and pass the dealers user id and password and the dealer
will be viewing their Compliance Dashboard.
REQUEST FORMAT
Simply pass your dealerships user id and password as parameters to the dashboard IFrame link. Be sure to
migrate the URL when you move your code into production.
Test Box
<iframe id="FrmRedFlagXGI"
src="https://www.700creditsolution.com/ComplianceDBIFrame.aspx?account=PrafuXML&PWD=Test1234"
height="510" width="1000" frameborder="0" class="redFlagIFrame" scrolling="auto"> </iframe>
Production
<iframe id="FrmRedFlagXGI"
src="https://www.700dealer.com/ComplianceDBIFrame.aspx?account=PrafuXML&PWD=Test1234"
height="510" width="1000" frameborder="0" class="redFlagIFrame" scrolling="auto"> </iframe>
COMPLIANCE DASHBOARD SAMPLE

VII. QuickApp & QuickQualify Products and Obtaining Data from Apps
The 700Credit QuickApp and QuickQualify products are applications dealers can incorporate into their web
sites to capture credit applications and leads from consumer’s web site. Allows the dealer to take web
applications through their web site, pulls the consumers credit report or soft pull credit report and notifies
them immediately of the applicant’s arrival. Partner/Affiliate system can be notified as well of the arrival of a
quick application. Once notified that an application has arrived, you can post a request for a previously pulled
report and allow the user to view that consumers credit report within your system.
QUICKAPP
Consumer facing credit application, which captures consumers consent to pull their credit report. Can
automatically obtain credit report and be made available to dealer. Data can be exported through ADF or
POST for third party system. Can also automatically populate into DealerTrack, RouteOne, CUDL and AppOne.
Credit applications available as single page or 3 page application. Fields available are customizable.
QUICKQUALIFY
Consumer facing pre-qualify application, only captures name and address and pulls a soft pull credit report
which does not impact consumers file. Automatically obtains soft pull credit report and can be made available
to dealer. Data can be exported through ADF or POST for third party system. Can also automatically populate
into DealerTrack, RouteOne, CUDL and AppOne.
AUTOMATED XML ADF RESPONSE

When an application is received through the quick application an email can be delivered to an address you
specify in the below format. Note that Social Security Number and DOB are not returned. This is sensitive
data and this format is not secure. If this information is required, it will be returned in the Request for the
Previously Pulled Report.
Sample XML Export
<?xml version="1.0"?>
<?adf version="1.0"?>
<adf>
<prospect>
<requestdate>4/19/2018 3:13:57 PM</requestdate>
<QkAppRefKey>700DQS-1097103</QkAppRefKey>
<id sequence="1" source="700DealerQa">700DealerQa</id>
<vehicle interest="buy" status="New">
<year>2018</year>
<make>BMW</make>

<model>5 Series</model>
<Stock />
<vin />
</vehicle>
<vehicle interest="trade-in" status="used">
<year>2004</year>
<make>Honda</make>
<model>Accord</model>
<mileage>34589</mileage>
</vehicle>
<customer>
<contact primarycontact="1">
<name part="full">Bugs Bunny</name>
<name part="first">Bugs</name>
<name part="middle" />
<name part="last">Bunny</name>
<Suffix />
<DOB>01/06/1983</DOB>
<date_of_birth>01/06/1983</date_of_birth>
<email>bugsbunny@700credit.com </email>
<phone type="phone" time="morning">(123) 456-4567</phone>
<phone type="phone" time="evening">(123) 456-8888</phone>
<address>
<street line="1">897 Main Street</street>
<zip>35406</zip>
<city>TUSCALOOSA</city>
<state>AL</state>
</address>
</contact>
<Residence type="Current">
<LivingType>Rent</LivingType>

<Period>5 Years 2 Months</Period>
<RentMortagageAmount>500</RentMortagageAmount>
</Residence>
<Employment type="Current">
<EmployerName>700Credit</EmployerName>
<Occupation>Accountant</Occupation>
<Period>4 Years 3 Months</Period>
<Phone type="phone">(123) 444-5555</Phone>
<MonthlySalary>500</MonthlySalary>
<OtherIncome>0</OtherIncome>
</Employment>
<Reference>
<referenceName>John Doe</referenceName>
<referenceAddress>
<street line="1">456 North Street</street>
<zip>35406</zip>
<city>TUSCALOOSA</city>
<state>AL</state>
</referenceAddress>
<referencePhoneNumber>(444) 444-4444</referencePhoneNumber>
</Reference>
<comments> Score: 0
Current Employer: 700Credit
Occupation: Accountant
Period: 4 Year and 3 Months
Phone: (123) 444-5555
MonthlySalary: 500
</comments>
</customer>
<SalesAgent />

<Notes>Test</Notes>
<vendor>
<id source="DealerPoint" sequence="1">6116</id>
<vendorname>700CreditDetroitDealership</vendorname>
<name part="full">Bora Gezer</name>
<phone type="voice" time="day">___-___-____</phone>
<address>
<street line="1" />
<city>CHICAGO</city>
<regioncode>IL</regioncode>
<postalcode>60661</postalcode>
<country>USA</country>
</address>
</contact>
</vendor>
<provider>
<name part="full">700credit.com</name>
<service>700credit.com</service>
<url>http://www.700credit.com</url>
<email>support@700credit.com</email>
<phone>877-273-3848</phone>
<name part="full">700 Credit Customer Service</name>
<email>support@700credit.com</email>
<phone type="voice" time="day">877-273-3848</phone>
<phone type="fax" time="day">313-748-0133</phone>
<address>
<street>27777 Franklin Road, Suite 1850 </street>
<city>Southfield</city>
<regioncode>MI</regioncode>

<postalcode>48034</postalcode>
</address>
</contact>
</provider>
</prospect>
</adf>
OBTAINING THE CREDIT REPORT

The QkAppRefKey should be stored in your system to allow the user to view the consumers credit report when
requested. Simply send the QkAppRefKey in the RefKey field specified in the REQUESTING PREVIOUSLY
PULLED REPORTS section.
<QkAppRefKey>700DQ-35201db4-b5a5-47a7-b5d5-596ea3aa4e40</QkAppRefKey>
PARTNER DEALER IDENTIFIER
Partner ID is a configurable field that can be returned on the ADF/XML notification allowing further insight into
which dealer received the web lead/credit application. Partner ID is provided by the customer to 700Credit.
User settings will then be updated by 700Credit to return the Partner ID in the ADF/XML notification.
Partner ID is returned in the <provider> XML Tag as shown below. Standard value of 700credit.com is returned
within the name sub XML element. If added at the configuration level, customer-designated value can be
returned.
Standard Return:
<provider>
<name part="full">700credit.com</name>
</provider>
Custom Return:
<provider>
<name part="full">XYZDealership</name>
</provider>

POST TO WEB SERVICE OPTION

Post to web service option functions when the customer provides 700Credit with URL that corresponds with a
web service that is developed by the customer. The purpose of customers’ web service is to take the
information received from 700Credit and upload it to their database.
700Credit will post to the URL in the event of a QuickApp or QuickQualify information is entered by the
consumer from the dealer’s website.
The corresponding credit report or QuickQualify results Iframe URL can be obtained from 700Credit by utilizing
the <apikey> and the steps outlined in the main specification’s Requesting Previously Pulled Reports section.
Sample XML Export

<?xml version="1.0"?>
<feed>
<apikey>ba12164b-c9b7-408f-9382-3f496f51d1b6</apikey>
<dealer>D0002338</dealer>
<date>2015-07-14</date>
<time>12:20:52</time>
<lead>
<date>2015-07-14</date>
<time>12:02:03</time>
<contact>
<firstname>John</firstname>
<middlename>Franklin</middlename>
<lastname>Doe</lastname>
<address1>123 Main St.</address1>
<address2></address2>
<city>Tampa</city>
<state>FL</state>
<zip>33607</zip>
<county>Hillsborough</county>
<phone1>8132225151</phone1>
<phone2>8131115252</phone2>
<cell>8135551212</cell>
<email>test@test.com</email>
<opt>in</opt>
<dob>1979-02-03</dob>
</contact>
<cobuyer>
<firstname>Mike</firstname>
<lastname>E</lastname>
<address1>321 Name St.</address1>
<address2></address2>
<city>Tampa</city>
<state>FL</state>
<zip>33607</zip>
<county>Hillsborough</county>
<phone1></phone1>
<phone2></phone2>
<cell></cell>
<email></email>
<opt></opt>
<dob>1967-02-09</dob>
</cobuyer>
<product>
<year>2013</year>
<make>Kawasaki</make>
<model>Ninja ZX-6R</model>
<color>Blue</color>
<condition>New</condition>
<category>Motorcycles</category>
<class>Sport</class>
<vin>123abc456def7890z</vin>
<price>7599.00</price>
</product>
<tradein>
<year>2010</year>
<make>Kawasaki</make>
<model>Ninja 650</model>
<color>Black</color>
<vin>xyz987abc654lm321</vin>
<titlenumber></titlenumber>
<payoff></payoff>
<owedto></owedto>
<accountnumber></accountnumber>
</tradein>
<comment>Test XML API lead</comment>
</lead>
</feed>
Key Element Definitions
<apikey> Unique identifier associated with the applicants credit report or QuickQualify results
Iframe URL
<dealer> Unique identifier per dealer provided by affiliate indicating unique reference within their
system for the dealer
SAMPLE 3-STEP QUICKAPP

(remove)
700Credit’s new 3-Step QuickApp captures smaller bites of consumer information as they move through the
multi-page form and sends the information to you (and your CRM) regardless if they finish the form.
Screen 1:


Screen 2:

Screen 3:
Screen 4 (Final Page):

SAMPLE QUICKQUALIFY
700Credit’s QuickQualify solutions allows you to generate more qualified sales leads directly from your
website, which is a web-based pre-qualification solution that drives higher consumer engagement without
requiring SSN or DOB.
Screen 1:
Screen 2:

VIII. Pushing Data to 3rd Finance Party Systems with Save Only
Credit applications received via the SAVEONLY method can be exported to following 3rd Party Systems:
RouteOne, DealerTrack, CUDL, and AppOne. Data export can occur for up to four systems simultaneously and
will be sent automatically. Data export allows you to populate all relevant deal data within the 3rd Party System
of your choice. To enable data export feature for your customer, please contact your 700Credit representative
for more information.
For full list of available fields that can be exported to 3rd Party Systems, please reference the Inquiry Table
above and the following spreadsheet: ADF_Data Push Mapping_Document (Version 1.2 2-7-18).xlsx
SAVEONLY REQUEST:
Main St&CITY=Fantasy Island&STATE=IL&ZIP=60750&SSN=400-41-4001
SAVEONLY REQUEST WITH LOS SYSTEM:

Main St&CITY=Fantasy Island&STATE=IL&ZIP=60750&SSN=400-41-4001&LOS_SYSTEM=DT
SAVEONLY RESPONSE

IX. Additional Options in the XML Interface

700Credit has several additional features which are available through the XML Interface. A brief description of
each is below. In order to activate any of these features, 700Credit must be notified to turn on for your test
account.
Feature Description
Duplicate Search All applications submitted can be compared against applications previously pulled. If found an
indicator will be returned in the response along with the previously pulled report.
Adverse Action Letters and Risk Based Adverse Action Letters, Privacy Notice, Risk Based Pricing Score Disclosures or other types of
Pricing Notices letters can be generated automatically and returned within the IFrame as tabs next to the credit
report tab.
Data Format Options The data behind the credit report is also available as an option to be returned with the response.
Data format options
- MISMO XML Format
- RAW BUREAU FORMAT
- SCORE DATA defaulted on for all users
- AppOne Merge
DUPLICATE SEARCH
When enabled the social security number from the inquiry is utilized to search the database to determine if this applicant was requested
for the same bureau in the last 3 days. If found the previously obtained credit report will be returned with the addition tags defined
below:
<DuplicateFound>Y</DuplicateFound>
In addition to the tags being returned a label will be appended on top of the credit report return.
The duplicate search can be bypassed by passing the appropriate field in the inquiry.

ADVERSE ACTION LETTERS AND RISK BASED PRICING NOTICES

Adverse Action Letters and Risk Based Pricing Notices are returned as tabs within the IFRAME that is returned. They are supported in
this fashion so that 700Credit can monitor which notices have been printed and delivered to consumer. This information is reported in
the Dashboard. 700Credit also offers the dealer many options to mail the notice to the consumer in instances where it was not printed
locally.

DATA FORMAT OPTIONS

MISMO XML Format
MISMO format response allows exchange of data and information in a common language benefiting the
customer and business integration partners in variety of industries to reduce data errors, improve data quality
and increased data efficiency. Below MISMO response is a partial representation.
<?xml version="1.0" encoding="utf-

8"?><Results><XML_Version>MISMO</XML_Version><Transaction_Information><Transid>700D000575151</T
ransid><Token>700D57775f09-8913-42c1-84fa-
d567ffb1ecb3</Token></Transaction_Information><RESPONSE_GROUP MISMOVersionID=""
_ID="RGRept000001"><RESPONDING_PARTY _Name="700Credit" _StreetAddress="27777 Franklin Road"
_StreetAddress2="Suite 1850" _City="Southfield" _State="MI"
_PostalCode="48034"><CONTACT_DETAIL><CONTACT_POINT _Type="Phone" _Value="866 273 3848"
/><CONTACT_POINT _Type="Email" _Value="support@700credit.com"
/></CONTACT_DETAIL></RESPONDING_PARTY><RESPOND_TO_PARTY _Name="700Credit Detroit Dealership"
_StreetAddress="" _City="CHICAGO" _State="ILLINOIS[IL]" _PostalCode="60661"><CONTACT_DETAIL
_Name="MISMO"><CONTACT_POINT _Type="Phone" _Value="" _PreferenceIndicator="Y"
/><CONTACT_POINT _Type="Fax" _Value="" _PreferenceIndicator="Y"
/></CONTACT_DETAIL></RESPOND_TO_PARTY><RESPONSE _ID="REQRept000001"
ResponseDateTime="2018-04-24T10:01:05.721-04:00" InternalAccountIdentifier="1115388"><KEY
_Name="EquifaxBeaconAuto_MinimumValue" _Value="250" /><KEY
_Name="EquifaxBeaconAuto_MaximumValue" _Value="900" /><KEY
_Name="CreditScoreRankPercent_CRRept1115388_CRScoEFX01" _Value="12" /><KEY
_Name="CreditScoreRange_EquifaxBeaconAuto_IntervalCount" _Value="8" /><KEY
_Name="CreditScoreRange_EquifaxBeaconAuto_Interval1_LowValue" _Value="250" /><KEY
_Name="CreditScoreRange_EquifaxBeaconAuto_Interval1_HighValue" _Value="499" />
<CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="Y" _ExperianIndicator="N" _TransUnionIndicator="N"

/></CREDIT_REQUEST_DATA><BORROWER BorrowerID="BorRec0001" _PrintPositionType="Borrower"
_FirstName="Phillip" _LastName="Blackwell" _SSN="666161706" _UnparsedName="Phillip Blackwell"><_RESIDENCE
_StreetAddress="800 Rice Valley N" _City="Tuscaloosa" _State="AL" _PostalCode="35406"
BorrowerResidencyType="Current" /></BORROWER>
<CREDIT_LIABILITY CreditLiabilityID="CRLiab0001" BorrowerID="BorRec0001" CreditFileID="CRFilEFX000001"
_AccountIdentifier="850BB01498" _AccountOpenedDate="2017-09" _AccountOwnershipType="Individual"
_AccountReportedDate="2017-12" _AccountBalanceDate="2017-12" _AccountStatusDate="2017-09"
_AccountStatusType="Open" _AccountType="Revolving" _ConsumerDisputeIndicator="N"
_DerogatoryDataIndicator="Y" _HighCreditAmount="77" _CreditLimitAmount="" _LastActivityDate="2017-11"
_MonthlyPaymentAmount="20" _MonthsReviewedCount="03" _TermsDescription="Unspecified"
_TermsMonthsCount="0" _TermsSourceType="Provided" _UnpaidBalanceAmount="79"
CreditBusinessType="Banking" CreditCounselingIndicator="N"><_CREDITOR _Name="CAPITAL ONE BANK USA"
/><_CURRENT_RATING _Code="C" _Type="AsAgreed" /><_HIGHEST_ADVERSE_RATING _Code="C"
_Date="2017-12" _Type="AsAgreed" /><_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"
/><_MOST_RECENT_ADVERSE_RATING _Code="C" _Type="AsAgreed" _Date="2017-12-01"
/><_PAYMENT_PATTERN _Data="" _StartDate="2017-12" /><_PRIOR_ADVERSE_RATING _Code="C"
_Type="AsAgreed" _Date="2017-12" /><CREDIT_COMMENT _SourceType="Equifax" _Code="FE"
_Type="BureauRemarks"><_Text>Credit card</_Text></CREDIT_COMMENT><CREDIT_REPOSITORY
_SourceType="Equifax" _SubscriberCode="850BB01498" /></CREDIT_LIABILITY>
RAW BUREAU FORMAT

For Iframe customers, raw bureau format can also so be returned as part of the response within the
<RawData> XML element. Below bureau-specific raw data is a partial representation.
TransUnion:
<RawData>![CDATA[TU4R062111GZJPPT 0622Z
0552022220180424090821CD0104105700CREDITREPORTCIDNT
PH0101207000SH01027101Y05N15BHN19831224NM11123F1BLACKWELL PHILLIP E
PI11025F000000000 AD11150F1 800 N RICE VALLEY RD F44 TUSCALOOSA
AL35406 20180301 EM11130FTTL SOFTWARE ENG
20100401 2018030120180310 EM11130FCNN
2018030120180310
SM110441000000000000000018008001005004000002SD01056R000028137000051000000001304000000000
000000094097SD01056M000066000000000000000040184000000000000001306
SD01056O000000601000000000000000270000000000000000000055SD01056T000094738000051000000041
758000000000000001400 TR11332D 0912Q001MACYS/FDSB R111119 UCH20180228
20130608000000000000000415000000800 01 00 000000000
ATR11332D 01NQW001STRAWBRIDGES R11111 I 2018012719920421
20150724000000000000000662 2015072701 00 000000000
ATR11332D 01NQW001STRAWBRIDGES R11111 I 2018012619870602
20150331000000000000000510 2015032101 00 000000000
A……….]]></RawData></Results>
Equifax:
<RawData><![CDATA[FULLHKX4LK 999AN006580951I02 1021720180311201804242018BLACKWELL

PHILLIP E 666161706 C0 18 I 2 N
SCCA001FA00000000IS000FN000DT000ES001EF00200000OS000EA000IP000BP000CO00100000LI00000000NR
000AC000TL0000000000000PT010000000000000000FI02200000CN000DS000CP001OD000OA00000000MM0
03DA000SS0010000000000GO000DP00000000D2000000000000000000000000000000000000000000000000F
V000ML00100000000000000000000CD001CR0010000000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000009800000000CA800 RICE VALLEY N APT
F44 TUSCALOOSA AL35406 12002017 O05062018
ES UHW EF
UHW EF MRDQ
IRUUHVW CO
1200201712002016180YC02090TOWN AND COUNTR 00000005012002017D000000050
0400201350067453860 I* PT CAPITAL ONE BANK
USA850BB014981200201709002017000000077 000000079 R1*03I
11002017FE 000000020

PT SALLIE MAE STUDENT L496FZ000450100201608002013000003000 000000000 I1*01I

00001190720155062015505201501002016BUCF 000000325
*****955554*/***********9 5122013 PT HOUSEHOLD FINANCE
CO155FP227760700201510002009000000000 000000000 R1*67S
03002014FADA
PT MACYS/FDSB 728DC000310700201405002002 000000300000000000 R1*99S
07002014AV….</RawData></Results>
Experian:
<RawData><![CDATA[<?xml version="1.0" standalone="no"?><NetConnectResponse

xmlns="http://www.experian.com/NetConnectResponse"><CompletionCode>0000</CompletionCode><Refer
enceId>YA8X4P</ReferenceId><TransactionId>51893444</TransactionId><HostResponse>1100046042418091
521TAL10706YA8X4PK11204242018@13000230592P38131005FE@13000230601P38183210AG@1300023058
2P38101832V @335003622/PHILLIP/E/BLACKWELL//1921@3360095081502181081610340S
38/318/WESTMINSER/PL///GARFIELD/NJ/07026K2200822201502052018@336011012150816100 A
53/800/RICE VALLEY/RD
N/APT/F44/TUSCALOOSA/AL/354063638K2201216201508252016@336009702090716100 M
40/2505/COLUMBIA/DR///DECATUR/GA/300341781K2200220200907122016@350011015N122817 0001
A634100800021US BKPT CT GA ATLANTAA7119778661E3051K3201228201709172017Y210091717@3570274
N02151217 18REV100005170L00005058C0228180000505897 00000109CR0001
B2143302000003B4299991CC1CCCCCCCCCCCCCCCCCCB520 090117B6341260195BC19PEOPLES UNITED
BANKF213 02180118F3161217977218 K4680211201512012017
0228201809012017020120180101201812012017@3570271 N03140118
18REV100004000L00003710C0228180000371097 CR0001 B2144400000002B42999---
CCCCCCCCCCCCCCCCCCCCB520 090717B6311230465BC16BANK CREDIT CARDF213
02180118F3160118971118 K4680322201401012018
0228201809072017020120180101201801012018.......
</HostResponse></NetConnectResponse>]]></RawData></Results>
AppOne Merge
AppOne Merge format response allows exchange of data and information between AppOne and 700Credit.
<?xml version="1.0" encoding="iso-8859-1"?>
<RESPONSE_GROUP MISMOVersionID="2.3.1" _ID="RGRept000001">
<RESPONDING_PARTY _Name="CoreLogic Credco" _StreetAddress="P.O. BOX 509124" _StreetAddress2=""

_City="SAN DIEGO" _State="CA" _PostalCode="92150">
<CONTACT_DETAIL>
<CONTACT_POINT _Type="Phone" _Value="800 986 4343"/>
<CONTACT_POINT _Type="Fax" _Value="800 237 6526"/>

</CONTACT_DETAIL>
</RESPONDING_PARTY>
<RESPOND_TO_PARTY _Name="STERLING TECHNOLOGICS - TEST ACCOUNT" _StreetAddress="1610 HARVEST

LANE" _City="Alpharetta" _State="GA" _PostalCode="30004">
<CONTACT_DETAIL _Name="ROGER">
<CONTACT_POINT _Type="Phone" _Value="7703460154 " _PreferenceIndicator="Y"/>
<CONTACT_POINT _Type="Fax" _PreferenceIndicator="Y"/>
<CONTACT_POINT _Type="Email" _PreferenceIndicator="Y"/>
</CONTACT_DETAIL>
</RESPOND_TO_PARTY>
<RESPONSE _ID="REQRept000001" ResponseDateTime="2017-04-28T06:48:58.269-07:00"

InternalAccountIdentifier="2033657">
<KEY _Name="OriginCode" _Value="AP1"/>
<RESPONSE_DATA>
<CREDIT_RESPONSE MISMOVersionID="2.3.1" CreditReportMergeType="Blend"

CreditRatingCodeType="Other" CreditRatingCodeTypeOtherDescription="CREDCO"
CreditResponseID="CRRept2147483591001" CreditReportType="Merge"
CreditReportIdentifier="300237534490000" CreditReportTransactionIdentifier="30023753449"
CreditReportFirstIssuedDate="2017-04-28T06:48:58.203-07:00" CreditReportLastUpdatedDate="2017-04-
28T06:48:58.269-07:00">
<CREDIT_BUREAU _Name="CoreLogic Credco" _StreetAddress="P.O. BOX 509124" _StreetAddress2=""

_City="SAN DIEGO" _State="CA" _PostalCode="92150">
<CONTACT_DETAIL>
<CONTACT_POINT _Type="Phone" _RoleType="Work" _PreferenceIndicator="Y" _Value="800 986 4343"/>
<CONTACT_POINT _Type="Fax" _RoleType="Work" _PreferenceIndicator="N" _Value="800 237 6526"/>
</CONTACT_DETAIL>
</CREDIT_BUREAU>
<CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="Y" _ExperianIndicator="N" _TransUnionIndicator="N"/>
<REQUESTING_PARTY InternalAccountIdentifier="2033657"/>

<CREDIT_REQUEST_DATA CreditReportIdentifier="" CreditReportRequestActionType="Submit"

CreditRequestType="Individual">
<CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="Y" _ExperianIndicator="N" _TransUnionIndicator="N"/>
</CREDIT_REQUEST_DATA>
<CREDIT_COMMENT _Type="BureauRemarks" _SourceType="Equifax">
<_Text>NO HIT ON APPLICANT</_Text>
</CREDIT_COMMENT>
<CREDIT_COMMENT _Type="BureauRemarks"/>
<BORROWER BorrowerID="BorRec000001" _PrintPositionType="Borrower" _BirthDate="1981-05-05"

_FirstName="FAKE" _LastName="GUY" _SSN="848280000">
<_RESIDENCE _StreetAddress="3214 4TH ST S" _City="NEWINGTON" _State="VA" _PostalCode="22122"

BorrowerResidencyType="Current">
<PARSED_STREET_ADDRESS _HouseNumber="3214" _StreetName="4TH ST S"/>
</_RESIDENCE>
</BORROWER>
<CREDIT_FILE BorrowerID="BorRec000001" _ResultStatusType="NoFileReturnedNoHit">
<CREDIT_COMMENT _Type="BureauRemarks" _SourceType="Equifax">
<_Text>NO HIT ON APPLICANT</_Text>
</CREDIT_COMMENT>
</CREDIT_FILE>
<CREDIT_CONSUMER_REFERRAL _Name="EQUIFAX INFORMATION SVCS" _StreetAddress="P.O. BOX 740241"

_City="ATLANTA" _State="GA" _PostalCode="30374">
<CONTACT_DETAIL>
<CONTACT_POINT _Type="Phone" _Value="(800) 685-1111"/>
</CONTACT_DETAIL>
</CREDIT_CONSUMER_REFERRAL>
<CREDIT_SUMMARY _Name="CREDCO_SUMMARY">
<_DATA_SET _Name="_Term" _Value="LIFE_OF_LOAN"/>

<_DATA_SET _Name="_AnyPublicRecordsInLast2Years" _Value="N"/>
<_DATA_SET _Name="_TotalPRCount" _Value="0"/>
<_DATA_SET _Name="_InquiryAgeDays" _Value="Days_180"/>
<_DATA_SET _Name="_TotalInquiriesCount" _Value="0"/>
<_DATA_SET _Name="_ElimSameDayInqCount" _Value="0"/>
<_DATA_SET _Name="_InquiryAdjustedTotal" _Value="0"/>
<_DATA_SET _Name="_NewTradesIn6Months" _Value="0"/>
<_DATA_SET _Name="_PaidAsAgreed" _Value="0"/>
<_DATA_SET _Name="_NowDelinquent" _Value="0"/>
<_DATA_SET _Name="_AllDelinquent" _Value="0"/>
<_DATA_SET _Name="_HighestHighCredit" _Value="0"/>
<_DATA_SET _Name="_LowestHighCredit" _Value="0"/>
<_DATA_SET _Name="_TotalCollections" _Value="0"/>
<_DATA_SET _Name="_HistoricalDelinquenciesCount" _Value="0"/>
<_DATA_SET _Name="_RevAndOtherAccountsCount" _Value="0"/>
<_DATA_SET _Name="_BalanceOnRevolvingAndOther" _Value="0"/>
<_DATA_SET _Name="_PaymentsOnRevolvingAndOther" _Value="0"/>
<_DATA_SET _Name="_RevAndOtherCreditAvailable" _Value="0"/>
<_DATA_SET _Name="_RevAndOtherCreditPercent" _Value="0"/>
<_DATA_SET _Name="_TotalTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_TotalTrlBalanceAmount" _Value="0"/>
<_DATA_SET _Name="_TotalTrlMonthlyPaymentAmount" _Value="0"/>
<_DATA_SET _Name="_TotalCurrentTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_TotalClosedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_TotalUnratedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_TotalLate30DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_TotalLate60DaysCurrentDelinquencies" _Value="0"/>

<_DATA_SET _Name="_TotalLate90PlusDaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_TotalLate30DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_TotalLate60DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_TotalLate90PlusDaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_RealEstate_TradelinesCount" _Value="0"/>
<_DATA_SET _Name="_RealEstateTrl_BalanceAmount" _Value="0"/>
<_DATA_SET _Name="_RealEstateTrl_MonthlyPaymentAmount" _Value="0"/>
<_DATA_SET _Name="_RealEstate_CurrentTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_RealEstate_ClosedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_RealEstate_UnratedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_RealEstate_Late30DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_RealEstate_Late60DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_RealEstate_Late90PlusDaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_RealEstate_Late30DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_RealEstate_Late60DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_RealEstate_Late90PlusDaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Installment_TradelinesCount" _Value="0"/>
<_DATA_SET _Name="_InstallmentTrl_BalanceAmount" _Value="0"/>
<_DATA_SET _Name="_InstallmentTrl_MonthlyPaymentAmount" _Value="0"/>
<_DATA_SET _Name="_Installment_CurrentTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Installment_ClosedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Installment_UnratedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Installment_Late30DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Installment_Late60DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Installment_Late90PlusDaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Installment_Late30DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Installment_Late60DaysHistoricalDelinquencies" _Value="0"/>

<_DATA_SET _Name="_Installment_Late90PlusDaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_RevolvingCreditAvailable" _Value="0"/>
<_DATA_SET _Name="_RevolvingCreditTotal" _Value="0"/>
<_DATA_SET _Name="_PrcntRevolvingCreditAvailable" _Value="0"/>
<_DATA_SET _Name="_Revolving_TradelinesCount" _Value="0"/>
<_DATA_SET _Name="_RevolvingTrl_BalanceAmount" _Value="0"/>
<_DATA_SET _Name="_RevolvingTrl_MonthlyPaymentAmount" _Value="0"/>
<_DATA_SET _Name="_Revolving_CurrentTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Revolving_ClosedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Revolving_UnratedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Revolving_Late30DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Revolving_Late60DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Revolving_Late90PlusDaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Revolving_Late30DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Revolving_Late60DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Revolving_Late90PlusDaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_OtherCreditAvailable" _Value="0"/>
<_DATA_SET _Name="_OtherCreditTotal" _Value="0"/>
<_DATA_SET _Name="_Other_TradelinesCount" _Value="0"/>
<_DATA_SET _Name="_OtherTrl_BalanceAmount" _Value="0"/>
<_DATA_SET _Name="_OtherTrl_MonthlyPaymentAmount" _Value="0"/>
<_DATA_SET _Name="_Other_CurrentTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Other_ClosedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Other_UnratedTradelinesCount" _Value="0"/>
<_DATA_SET _Name="_Other_Late30DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Other_Late60DaysCurrentDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Other_Late90PlusDaysCurrentDelinquencies" _Value="0"/>

<_DATA_SET _Name="_Other_Late30DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Other_Late60DaysHistoricalDelinquencies" _Value="0"/>
<_DATA_SET _Name="_Other_Late90PlusDaysHistoricalDelinquencies" _Value="0"/>
<_Text>Credco Summary</_Text>
</CREDIT_SUMMARY>
<CREDIT_SUMMARY _Name="Fraud Alert Summary" BorrowerID="BorRec000001">
<_DATA_SET _Name="SSN Alert Count" _Value="0"/>
<_DATA_SET _Name="Address Alert Count" _Value="0"/>
<_DATA_SET _Name="Telephone Alert Count" _Value="0"/>
<_DATA_SET _Name="DriversLicense Alert Count" _Value="0"/>
<_DATA_SET _Name="Other Alert Count" _Value="0"/>
<_DATA_SET _Name="Total Alert Count" _Value="0"/>
<_DATA_SET _Name="Name Identity Type" _Value="Match"/>
<_DATA_SET _Name="Address Identity Type" _Value="Match"/>
<_DATA_SET _Name="SSN Identity Type" _Value="Match"/>
<_DATA_SET _Name="DriversLicense Identity Type" _Value="Not Applicable"/>
<_DATA_SET _Name="DOB\Age Identity Type" _Value="Match"/>
<_Text>Only Borrower/Co-Borrower information included in the Summary</_Text>
</CREDIT_SUMMARY>
<CREDIT_SUMMARY _Name="CREDCO_EXECUTIVE_SUMMARY" BorrowerID="BorRec000001">
<_DATA_SET _Name="Military Lending Act Search Result" _Value="XPN DATA UNAVAILABLE"/>
<_DATA_SET _Name="Auto Loan Information: _CountOfOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Auto Loan Information: _TotalBalanceOfOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Auto Loan Information: _TotalMonthlyPaymentOfOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Auto Loan Information: _LastDelinquentDateOfOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Auto Loan Information: _Total30DaysDelqOpenAccounts" _Value="0"/>

<_DATA_SET _Name="Auto Loan Information: _CountOfClosedAccounts" _Value="0"/>
<_DATA_SET _Name="Auto Loan Information: _PastRepossessionsOfClosedAccounts" _Value="0"/>
<_DATA_SET _Name="Auto Loan Information: _LastDelinquentDateOfClosedAccounts" _Value="0"/>
<_DATA_SET _Name="Auto Loan Information: _Total30DaysDelqClosedAccounts" _Value="0"/>
<_DATA_SET _Name="Real Estate Loan Information: _CountOfOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Real Estate Loan Information: _TotalBalanceOfOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Real Estate Loan Information: _TotalMonthlyPaymentOfOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Real Estate Loan Information: _LastDelinquentDateOfOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Real Estate Loan Information: _Total30DaysDelqOpenAccounts" _Value="0"/>
<_DATA_SET _Name="Revolving Loan Information: _RevolvingCreditAvailablePercentage" _Value="0"/>
<_DATA_SET _Name="Revolving Loan Information: _RevolvingCreditAvailable" _Value="0"/>
<_Text>Score not available</_Text>
<_Text>Possible incomplete data. See Credit Report.</_Text>
<_Text>Auto and Real Estate Loan Information: Data Not Available</_Text>
<_Text>Credit Advantage not activated. Call 1-800-694-1414 for more information.</_Text>
<_Text>OFAC not activated. Call 1-800-694-1414 for more information</_Text>
<_Text>Borrower Executive Summary</_Text>
</CREDIT_SUMMARY>
<EMBEDDED_FILE _Type="Text" _Name="Text" _EncodingType="base64" >
</EMBEDDED_FILE>
<EMBEDDED_FILE _Type="PDF" _Name="CSD_AUTO" _EncodingType="base64" >
</EMBEDDED_FILE>
<EXTENSION ExtensionID="ExtID001">
<EXTENSION_SECTION ExtensionSectionID="ExtSectID0001" Organization="CoreLogic Credco">
<EXTENSION_SECTION_DATA ExtensionSectionDataID="ExtSectDataID001">
<PRODUCT_RESPONSE _ProductName="Fraud_Alert">
<FRAUD_ALERT _ID="FAInfoID001">
<FRAUD_ALERT_INFO BorrowerID="BorRec000001">
<FRAUD_ALERT_MESSAGE _ID="FAMsgID0101" _Code="00001" _Category="Clear"

_Group="SocialSecurityNumber" _Severity="Undefined" _Text="No SSN alerts detected">
<DATA_SOURCE _ID="DSID010101" _Name="Other"/>
<MESSAGE_SOURCE _ID="MSID010101" _Name="Fraud"/>
</FRAUD_ALERT_MESSAGE>
<FRAUD_ALERT_MESSAGE _ID="FAMsgID0102" _Code="00002" _Category="Clear" _Group="Address"

_Severity="Undefined" _Text="No address alerts detected">
<FRAUD_ALERT_MESSAGE _ID="FAMsgID0103" _Code="00005" _Category="Clear" _Group="Other"

_Severity="Undefined" _Text="No additional alerts detected">
</FRAUD_ALERT_INFO>
</FRAUD_ALERT>
</PRODUCT_RESPONSE>
</EXTENSION_SECTION_DATA>
</EXTENSION_SECTION>
</EXTENSION>
</CREDIT_RESPONSE>
</RESPONSE_DATA>
</RESPONSE>
</RESPONSE_GROUP>
SCORE SUMMARY
Score Summary dashboard provides a single, graphical view of each of the scores provided by the credit
bureaus without having to scroll through each report for this information. Score Summary dashboard is
represented immediately above the credit report and is available by default for all users. The first score is
included in the ‘big’ dial, the second score will be represented immediately below the dial. It is available in
700Dealer, as well as via Iframe results.

X. Additional Features Available to your Customers

700Credit has several additional features which are available through the xml interface. A brief description of each is below.
In order to activate any of these features, 700Credit must be notified to turn on for your test account.
• Route One, export application data into Route One

• ADP, R&R, availability of ADP and R&R sub codes within your system
• Adverse Action Mail House
• RPBN Mail House
• Red Flag
• Quick App & QuickQualify Integration
• Employment Verifications

XI. Error Determination and Handling

Gateway errors are based on validations performed by the 700Dealer Gateway.
SECURED IP ADDRESSES
Each dealer account will have predefined IP Addresses associated with it and security questions for their account. Only authorized IP
Addresses will be able to access the gateway. If a request is received from an unauthorized IP address, the dealer will be prompted to
answer those questions. If successful the requesting IP Address will be added to their account and their request will be processed.
The IFrame should always be returned even if the interface returns an error. The dealer user will be prompted to resolve the error.
GATEWAY ERRORS
An improper POST to the XML interface will return an error response as defined below. These errors are a result of 700Credit
validation. Upon receipt of a request, sign in information is validated as well as the requesting IP address. The required information
necessary for the request is also validated to ensure the parameters are valid.
1. If any of the required fields are blank like First Name, Last Name, Address, City, State and Zip Code then we add the required
field which was blank to the error message. For Ex. If Last Name is Blank then we are displaying the below error message.
2. The <Creditsystem_Message> element informs you that there are fields missing or invalid in your POST.
3. The <Fields_Posted> element will echo back the request that we received on the POST. Use this to check your actual POST.
Internal system errors will result in an error response similar to that below:
<?xml version=''1.0''?>
<Results>
<Creditsystem_Error id=""></Creditsystem_Error>
</Results>
4. There may be multiple error elements (<Creditsystem_Error>) present in a given return.
5. The “id” attribute will contain an identifier to help you map specific errors. See the following table for the current return
codes and their descriptions.
6. These errors indicate either a credit bureau or 700Dealer internal communication error. 700Dealer will continue to add new
messages in future; therefore we suggest that you design your programs to easily handle additions to this table.
FORMAT AND ERROR LOCATION

<?xml version="1.0"?><Results><Creditsystem_Error id="1003" message="Last Name is
Missing"></Creditsystem_Error></Results>
Or
<?xml version="1.0"?><Results><Creditsystem_Error id="1003" message="First Name, Last Name is
Missing"></Creditsystem_Error></Results>

GENERAL GATEWAY VALIDATION ERRORS

Error code Error Error Description
1001 Internal Exception (as of now we are using this error message for our internal purpose. We don’t
show any error message but it will return a blank report)
1002 IP Address Out of range Error Ip address you are trying to access the system from has not been approved
1003 Any mandatory fields are empty or missing
1004 Invalid User Name & Password
1005 Invalid Inquiry Information if the request is in an invalid format
1006 Invalid First Name and Last Name
1007 Invalid Address
1008 Invalid City
1009 Invalid State
1010 Invalid Zip
1011 Invalid Age
1012 Invalid DOB
1013 Invalid Spouse Name
1014 Invalid Spouse SSN
1015 Invalid Spouse Age
1016 Invalid Spouse DOB
1017 Invalid SSN Number
1020 Invalid Iframe Token Token does not exist or has expired
1021 Invalid TransId Trans ID can not

XII. Testing Checklist

▪ Successful Credit Requests for Equifax, Trans Union and Experian as single reports
▪ Successful Credit Request for a Multi Bureau Request of all Three Bureaus
▪ Ask 700Credit to remove your requesting IP from your account IP list, should be prompted for security
questions
▪ Invalid characters in the following fields
a. First Name, Last Name

b. Address
c. City, State
d. Format of Social Security
e. Format of DOB
▪ Testing additional stand-alone products if they will be supported in your system
a. OFAC
b. Red Flag

XIII. Dealer Setup Considerations
INITIAL DEALER SETUP

Ensuring the dealer has a smooth credit integration setup is a critical part of the process. It is important that
the setup process between 700Credit and your organization is well defined. The following questions need to
be answered:
▪ Once 700Credit has completed it’s Credit setup process, who should be notified at your organization
▪ Will your organization have setup tasks that will need to take place? Or can 700Credit work with the
dealer directly to enter user id and password information?
▪ If your organization has setup tasks, 700Credit will need to be notified when completed. 700Credit will
be following up with the dealer as well to ensure they understand how to pull credit from within your
system and that they understand how to monitor and fulfill compliance obligations.
DEALER NOTIFICATION
Once either of the two conditions have occurred, 700Credit will notify dealer that their account is setup and
ready to go:
▪ Notification from your organization that dealers user id and password are configured and ready to be
used.
▪ If the setup process is Dealer can enter user id and password, as soon as 700Credit’s setup process has
been completed.
700Credit’s notification to the dealer will consist of
▪ Welcome email that includes a quick start guide of how to pull credit from within your organizations
software, user guides on compliance products and services, training schedule for the dealer to ensure
they understand the compliance package they now have access to
▪ Follow up call to ensure dealership understands all of the information they received in the welcome
email.
QUICK START GUIDE

700Credit requests that your organization supply a 2-3 page quick start guide. This guide should include:
▪ How to pull credit from within your software (with screen shot)
▪ How to view previously pulled reports (with screen shots)
▪ Where they can access the compliance dashboard
▪ Any installation or setup requirements

XIV. Kick Off Call
AGENDA
Once the customer has had a chance to review the specification, a kick off call should take place with 700Credit’s XML Deployment Team.
This will ensure customer has a complete understanding of the information contained within the document and all available options
within the XML Gateway.
I. Applicant Validation
II. Applicants with co-applicant/spouse
III. Invalid Characters in inquiry
IV. Product Fields (Bureau Add On vs Stand Alone)
V. Credit Report in IFRAME
VI. Compliance Dashboard in IFRAME
VII. Credit Report Formats
VIII. Previously Pulled Reports
IX. Credit Data Utilization
i. Score Elements
X. Duplicate Search
i. Appending to previous apps
ii. Apps available in 700dealer
XI. Red Flag with IFRAME
XII. Quick Applications
XIII. PreScreen
XIV. Work Number
XV. Web Lead Form
XVI. IFRAME ERRORS
XVII. ERROR REPORT
XVIII. DISABLE LOCAL PRINTING
XIX. TESTING CHECKLIST


700credit XML Interface (Ver 6.57 1-27-22)

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Interface Specification

700Credit Products and Services XML Gateway

I. Release Notes ......................................................................................................... 5

II. Interface Inquiry Format ..................................................................................... 7

III. XML Response Format with IFrame ................................................................ 15

IV. Credit Report Format Examples ....................................................................... 28

TTY FORMAT ............................................................................................................................................................. 28

V. Requesting Previously Pulled Reports .............................................................. 34

VI. 700Credit’s Compliance Dashboard ................................................................. 37

IX. Additional Options in the XML Interface ........................................................ 50

X. Additional Features Available to your Customers ........................................... 64

XII. Testing Checklist ................................................................................................. 67

QUICK START GUIDE .................................................................................................................................................. 68

XIV. Kick Off Call ........................................................................................................ 69

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RELEASE HIGHLIGHT TABLE

Release 6.3 - Added Drivers License input fields for primary/co-applicant

Release 6.4 - Expand on SAVEONLY product

Release 6.53 - Added new parameters:

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Release 6.55 - For Stand-Alone RedFlag Service, SSN is now optional

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II. Interface Inquiry Format

REQUIREMENTS FOR THE 700CREDIT XML INTERFACE

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Applicant Address Information

Applicant Previous Address Information

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Applicant Housing Information

HOUSINGPAY Applicant Housing Payment ONLY Numeric Values allowed X X X

Applicant Employment Info

WPHONE Work Phone number of Employee X X X X

Applicant Driver’s License Information

COAPP**PIN Co-Applicant Security Freeze Personal Identification COAPPTUPIN

Co-Applicant Address Information

Co-Applicant / Previous Address Information

Co-Applicant Housing Information

Co-Applicant Employment Info

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SPOUSEOTHERINCOME Spouse/Co-Applicant Other Income ONLY Numeric or Decimal Values X X X

Co-Applicant Driver’s License Information

Vehicle Finance Information

TAXAMOUNT Tax Amount ONLY Numeric or Decimal Values X X

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Trade In Vehicle Information

A_USER_ID User Id from affiliate system to be recorded with record of

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Single Credit Bureau Request with Security Freeze PIN:

Multiple Credit Bureau Request:

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Multiple Credit Bureau Request with Security Freeze PIN:

SaveOnly Request with LOS System:

Bypass Duplicate Check

Employment Info & Applicant_DesiredVehicleInfo Request:

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III. XML Response Format with IFrame

- Credit Score Data in XML tags

XML SAMPLE RESPONSE

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CREDIT REPORT RETURNED IN AN IFRAME

Included here an example of what the response looks like in Iframe.

Response Example with Summary Elements

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