Array provides a number of fictitious customer identities that you can use when you're testing your application. While these identities don't map to actual people, they're not entirely fake: They're created by the "authentication providers" (currently, the credit bureaus). This means that...

When you authenticate a sandbox identity, the personally-identifying questions are retrieved from and verified by an actual authentication provider.
When you retrieve a credit report for a sandbox identity, you're retrieving real credit report data from a credit bureau -- you're not getting a canned response from Array.

Creating and Authenticating a Sandbox User

In order to use a sandbox identity you must:

Create a User object based on the PII listed in the Identity Information section of this document.
Authenticate the User by invoking Retrieve Authentication Questions followed by Answer Authentication Questions.

See How to Retrieve a Credit Report for a tutorial that steps you through the process of creating and authenticating a sandbox identity (with the ultimate goal of retrieving a credit report).

📘
Authenticating a sandbox identity isn't a billable event.

Authentication Answers

During the authentication process, you must answer a set of personally-identifying questions. How you determine the correct answers depends on the bureau that has supplied the questions.

TransUnion and Experian

The correct answers to questions that are provided by TransUnion or Experian are listed below. If one of these answers is offered, choose it, otherwise choose "None of the above" or similar evasive reply.

$200 - $249
$385 - $484
ASI Medical
Carroll County Bank &
Great Financial SVC
IEC
KIA Sorento
Lynn Lee Const Co In
New Hampshire
Sallie Mae Servicing
The Toronto-Dominion Bank
Toyota Highlander
Volkswagen Passat
Wells Fargo & Company

Equifax

When Equifax provides questions for a sandbox identity, it includes a correctAnswer property in the response to the Retrieve Authentication Questions operation. Each answer object in the response sets the value of the property to "true" or "false" (note that the value is a string, not a Boolean). For example:

{
  "authToken": "6011DADC-6B2A-43BA-B750-0EA5F2F69372",
  "provider": "efx",
  "questions": [
    {
      "id": "1",
      "text": "Your credit file indicates you may have a bank card, opened in or around April 2016. Who is the credit provider for this account?",
      "answers": [
        {
          "id": "1",
          "text": "CITIGROUP INC.",
          "correctAnswer": "true" 
        },
        {
          "id": "2",
          "text": "JP MORGAN CHASE & CO",
          "correctAnswer": "false"
        },
        {
          "id": "3",
          "text": "STATE FARM",
          "correctAnswer": "false"
        },
        {
          "id": "4",
          "text": "THE PNC FINANCIAL SERVICES GROUP INC",
          "correctAnswer": "false"
        },
        {
          "id": "5",
          "text": "NONE OF THE ABOVE",
          "correctAnswer": "false"
        }
      ]
    }, 
    ...

In this snippet, the answer to question 1 ("id": "1") is "CITIGROUP INC." (also "id": "1"). When you construct the request message that you pass to

Identities, Bureaus, and Scoring Systems

The table below lists the sandbox identities by name, and indicates which bureaus can generate credit reports for each identity. It also indicates the scoring system (VantageScore and/or FICO) that the bureau uses to generate the identity's credit score. The name link takes you to a JSON object that you can use to create a User object for the identity.

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In order to retrieve a FICO-scored report, your application must be "FICO enabled". Talk to your Array Support Representative for more information.

	Equifax	Experian	TransUnion
	VantageScore	VantageScore	VantageScore	FICO
Banker Coldiron	✅	-	-	-
Carletta Fzldx	✅	-	-	-
Carmen Balakhanpour	✅	-	-	-
Dalton Lot	-	-	✅	-
Denise Hennessy	✅	✅	-	-
Donald Blair	✅	✅	✅	-
Donna Kohler	✅	-	-	-
Fredrick Bueche	✅	-	-	-
Gertrude Harkenreadeo	✅	-	✅	-
James Holloway	-	-	-	✅
Jennifer Sprier	-	-	-	✅
Kimberly Olstrup	-	-	✅	-
Maria Iglesias	✅	✅	-	-
Robert Davis	-	-	-	✅
Ronald Cozzi	✅	-	-	-
Thomas Devos	✅	✅	✅	-
Thomas Friedman	-	-	✅	-
Tippy Dowell	-	-	-	✅

Identity Information

The sandbox identities are described by the JSON objects in the following sections. To create a User object for an identity, copy the object, replace <yourAppKey> with your actual app key, and then pass the object as the request body of a Create a User call.

Banker Coldiron

Bureaus: Equifax (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName": "BANKER",
  "lastName": "COLDIRON",
  "dob": "1974-04-18",
  "ssn": "666230560",
  "address": {
    "street": "3390 WESTERN AV",
    "city": "GRAND PRAIRIE",
    "state": "TX",
    "zip": "75052"
  }
}

Carletta Fzldx

Bureaus: Equifax (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName": "CARLETTA",
  "lastName": "FZLDX",
  "dob": "1995-12-28",
  "ssn": "666677368",
  "address": {
    "street": "530 ANTWERP AVE",
    "city": "BIRMINGHAM",
    "state": "AL",
    "zip": "35212"
  }
}

Carmen Balakhanpour

Bureaus: Equifax (VantageScore)

{
  "appKey": "<yourAppKey>"
  "firstName": "CARMEN",
  "lastName": "BALAKHANPOUR",
  "dob": "1966-11-02",
  "ssn": "666700239",
  "address": {
    "street": "805 S MAPLEWOOD AV",
    "city": "NIAGARA FALLS",
    "state": "NY",
    "zip": "14301"
  }
}

Dalton Lot

Bureaus: TransUnion (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName": "DALTON",
  "lastName": "LOT",
  "dob": "1955-01-01",
  "ssn": "666603445",
  "address": {
    "state": "OH",
    "street": "758 E 103RD ST",
    "city": "CLEVELAND",
    "zip": "44108"
  }
}

Denise Hennessy

Bureaus: Equifax (VantageScore), Experian (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName":"DENISE",
  "lastName":"HENNESSY",
  "dob":"1967-03-05",
  "ssn":"666662921",
  "address": {
    "street":"80 GRASSY PLAIN ST",
    "city":"BETHEL",
    "state":"CT",
    "zip":"06801"
  }
}

Donald Blair

Bureaus: Equifax (VantageScore), Experian (VantageScore), TransUnion (VantageScore)

{
  "appKey":"<yourAppKey>",
  "firstName":"DONALD",
  "lastName":"BLAIR",
  "dob":"1939-09-20",
  "ssn":"666285344",
  "address": {
    "street":"3627 W POPLAR ST",
    "city":"SAN ANTONIO",
    "state":"TX",
    "zip":"78228"
  }
}

Donna Kohler

Bureaus: Equifax (VantageScore)

{
  "firstName": "DONNA",
  "lastName": "KOHLER",
  "dob": "1930-01-01",
  "ssn": "666640946",
  "address": {
    "street": "5505 24TH AVE",
    "city": "SEATTLE",
    "state": "WA",
    "zip": "98107"
  },
  "appKey": "<yourAppKey>"
}

Fredrick Bueche

Bureaus: Equifax (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName": "FREDRICK",
  "lastName": "BUECHE",
  "dob": "1965-09-26",
  "ssn": "666112768",
  "address": {
    "street": "17 E MT ROYAL AVE",
    "city": "BALTIMORE",
    "state": "MD",
    "zip": "21202"
  }
}

Gertrude Harkenreadeo

Bureaus: Equifax (VantageScore), TransUnion (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName":"GERTRUDE",
  "lastName":"HARKENREADEO",
  "dob":"1967-06-08",
  "ssn":"666066112",
  "address": {
    "street":"305 LINDEN AV",
    "city":"ATLANTA",
    "state":"GA",
    "zip":"30316"
  }
}

James Holloway

Bureaus: TransUnion (FICO)

{
  "appKey": "<yourAppKey>",
  "firstName": "JAMES",
  "lastName": "HOLLOWAY",
  "ssn": "666600312",
  "dob": "1962-07-01",
  "address": {
    "state": "MO",
    "city": "EUREKA",
    "street": "192 HUNTERS GREEN LN",
    "zip": "63025"
  }
}

Jennifer Sprier

Bureaus: TransUnion (FICO)

{
  "appKey": "<yourAppKey>",
  "firstName":"JENNIFER",
  "lastName":"SPRIER",
  "dob":"1976-07-01",
  "ssn":"666688538",
  "address": {
    "street": "1601 BROWN ST",
    "city": "ABILINE",
    "state":"KS",
    "zip":"67410"
  }
}

Kimberly Olstrup

Bureaus: TransUnion (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName": "KIMBERLY",
  "lastName": "OLSTRUP",
  "dob": "1947-01-01",
  "ssn": "666561858",
  "address": {
    "street": "125 W 100 N",
    "city": "JEROME",
    "state": "ID",
    "zip": "83338"
  }
}

Maria Iglesias

Bureaus: Equifax (VantageScore), Experian (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName":"MARIA",
  "lastName":"IGLESIAS",
  "dob":"1958-12-28",
  "ssn":"666824123",
  "address": {
    "street":"21 PACIFIC ST",
    "city":"PITTSFIELD",
    "state":"MA",
    "zip":"01201"
  }
}

Robert Davis

Bureaus: TransUnion (FICO)

{
  "appKey": "<yourAppKey>",
  "firstName":"ROBERT",
  "lastName":"DAVIS",
  "dob":"1970-07-01",
  "ssn":"666816516",
  "address": {
    "street": "2317 WEXFORD RD",
    "city": "LATHROP",
    "state":"MO",
    "zip":"64465"
  }
}

Ronald Cozzi

Bureaus: Equifax (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName": "RONALD",
  "lastName": "COZZI",
  "dob": "1975-03-19",
  "ssn": "666656704",
  "address": {
    "street": "53 W JACKSON BV",
    "city": "HIALEAH",
    "state": "FL",
    "zip": "33012"
  }
}

Thomas Devos

Bureaus: Equifax (VantageScore), Experian (VantageScore), TransUnion (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName":"THOMAS",
  "lastName":"DEVOS",
  "dob":"1957-09-06",
  "ssn":"666023511",
  "address": {
    "street": "1206 BEAR CREEK RD APT 110",
    "city": "TUSCALOOSA",
    "state":"AL",
    "zip":"35405"
  }
}

Thomas Friedman

Bureaus: TransUnion (VantageScore)

{
  "appKey": "<yourAppKey>",
  "firstName": "THOMAS",
  "lastName": "FRIEDMAN",
  "dob": "1975-01-01",
  "ssn": "666234390",
  "address": {
    "state": "CO",
    "street": "535 30 RD A",
    "city": "GRAND JUNCTION",
    "zip": "81504"
  }
}

Tippy Dowell

Bureaus: TransUnion (FICO)

{
  "appKey": "<yourAppKey>",
  "firstName":"TIPPY",
  "lastName":"DOWELL",
  "dob":"1955-07-01",
  "ssn":"666364030",
  "address": {
    "street": "1229 BLUESTONE TE",
    "city": "SAINT LOUIS",
    "state":"MO",
    "zip":"63119"
  }
}