Testing

  • Updated on Feb 27, 2026
  • Published on Jul 30, 2020
  • 3 minute(s) read
  • Jason Enneking
  • Draft Writer
  • Mathew Deyo
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Users

Use these users when testing in uPortal360API or Apply Interface.

If the request status is PROCESS:

  • Last Name must be Testcase.
  • First Name and SSN determine the standard outcomes.
  • Any First Name with any SSN will generate a credit score equal to the last three digits of the SSN used (Dynamic).
Outcome First Name Last Name SSN Description
Approved Approved Testcase 1001 Passed credit check. Application locked and converted into a contract.
Pending Pending Testcase 1002 Passed credit check, but application must go through KYC questions.
Declined Declined Testcase 1003 Failed credit check. Application is locked.
No Hit NoHit Testcase 1004 Applicant not found during credit check.
PATCH to retry.
Credit Freeze CreditFreeze Testcase 1005 Applicant’s credit report is frozen.
Offered Offered Testcase 1006 Soft pull that will return offers.
Dynamic Any First Name Testcase 1### Decisioning based on last 3 digits of SSN as credit score.

PREQUAL Users

Use these users when testing in uPortal360API after PREQUAL decisioning.

If request status is PREQUAL:

  • Only the First Name determines the outcome.
  • SSN is ignored; blank or any value works depending on the First Name.

If request status is PROCESS (after the app has been processed with PREQUAL status):

  • Outcome depends on the last 4 digits of the SSN (e.g., 1001 → APPROVAL, 1002 → PENDING).
Outcome Request Status First Name Last Name SSN Description
PREQUAL PREQUAL PreQual Testcase - Forces PreQual; SSN ignored
UNQUALIFIED PREQUAL Unqualified Testcase - Forces Unqualified; SSN ignored
Varies PROCESS PreQual or Unqualified Testcase Any Outcome based on last 4 digits of SSN

Credit Bureau Test Users

These users pull credit reports from TransUnion, and the credit decision may vary depending on the program configuration.

Disclaimer: The information below may change periodically in the credit bureau.

First Name Middle Last Name SSN DOB Line 1 Line 2 City State ZIP
Joe Aaacloak 666-11-6522 1975-04-01 3 Trade Rd Fantasy Island IL 60750
Kent D Aaron 666-31-7574 1975-04-02 2200 Sycamore 155 Antioch CA 94509
Sabreen L Aadil 666-08-7358 1975-04-01 308 Coral Wy Dayton NV 89403
Theresa A Catalina 666-64-0943 1966-08-22 7111 142nd Av 103 Largo FL 33771
Susan C Cantrell 666-88-3423 1984-04-01 431 Anthony Dr Nesbit MS 38651
Louis F Glos 666-52-6860 1984-04-01 192 Sassafras Wy Westerville OH 43081
Annie M Whetsell 666-58-4284 1966-08-22 1117 E Stewart Avenue Flint MI 48505
Chloe R Williams 666-26-9695 1966-08-22 150E Lake St 9a Elmhurst IL 60126
Gabrielle A Nicholson 000-00-0000 1984-04-01 455 Passaic Av 4a Passaic NJ 7055
Alexander N Vasel 666-66-1556 1966-08-22 685 Beau Chene Dr Mandeville LA 70471
Robert E Uphold 666-48-4418 1966-08-22 27366 Perry St Roseville MI 48066
Irving Simmons 666-12-1962 1975-04-01 746 Girard Harrisburg PA 17104
Lisamarie J Nance 666-64-2044 1984-04-01 56 Deepdale Dr Huntington Station NY 11746
Donald W Maruyama 666-74-7489 1984-04-01 5921 Mcclure Rd Norfolk VA 23502
Jerry D Crow 666-41-4250 1984-04-01 340 Marvin Pky Jamestown NY 14701
Isabel Marines 666-62-6490 1984-04-01 11881 Townsite Rd Alta Vista KS 66834
Kurt Hoffmeister 666-29-6059 1984-04-01 1329 Trading Post Ln Fallon MO 63366

Test Payment Methods

Note: These are valid our test environments only.

Test Bank Accounts

Routing Number Account Number Type Remarks
110000000 100000000 Checking Good
110000000 4000000000 Savings Good
122105278 5000000000 Checking Bad
122105278 0000000006 Savings Bad

Test Card Numbers

  • Exp. Must be month and year greater than today.
    • Example: If today is 9/1/2017 then use 10/2017
  • CVV: Any 3 digits

Visa

Card Number Type Remarks Scenario
4444000000000001 Debit Approved Valid - Debit
4444000000000002 Credit Approved Valid - Credit
4444000000000003 PrePaid Approved Valid - Prepaid
4444000000000004 PrePaid (HSA) Approved Valid - HSA
4444000000000005 Credit Approved Valid - Business credit
4444000000000009 Credit Approved Valid - Canada Address
4444000000000006 N/A Declined Invalid - Do not honor
4444000000000007 N/A Declined Invalid - Insufficient funds
4444000000000008 N/A Declined Invalid - CVV mismatch
4444000000000014 N/A Declined Invalid - HSA

Mastercard

Card Number Type Remarks Scenario
5555000000000001 Credit Approved Valid - Business credit
5555000000000002 Debit Approved Valid - Debit
5555000000000003 N/A Declined Invalid - Credit
5555000000000004 N/A Declined Invalid - PrePaid
5555000000000005 N/A Declined Invalid - Debit
5555000000000006 N/A Declined Invalid - Do not honor
5555000000000007 N/A Declined Invalid - Insufficient funds

American Express

Card Number Type Remarks Scenario
378200000000000 Credit Approved Valid - Credit
378200000000001 Debit Approved Valid - Debit
378200000000002 N/A Declined Invalid - Do not honor

Discover

Card Number Type Remarks Scenario
6011000000000000 Credit Approved Valid - Credit
6011000000000001 Debit Approved Valid - Debit
6011000000000002 N/A Declined Invalid - Insufficient funds