> ## Documentation Index
> Fetch the complete documentation index at: https://knowledge.uportal360.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Testing
## 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 |
| ------------------ | ------------- | -------- | ---------------------------------------------- |
| `4108365180147035` | Debit | Approved | Valid - Debit - Card eligibility verification |
| `4109931020148019` | Credit | Approved | Valid - Credit - Card eligibility verification |
| `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 |