# Offers IQ ## Offers IQ [Offers IQ](/client-spec/products#offers-iq) calls hit **Equifax UAT directly** in the development environment — there is no platform-side mock layer for `POST /direct/credit-pre-screening`. The decision (`APPROVED` / `DECLINED` / `INSUFFICIENT_DATA`) depends on: - The **rule set** configured in the Customer Portal (which attributes it checks and at what thresholds) - The credit data Equifax UAT returns for the submitted consumer **Test SSNs.** Use the `666000xxx` test-SSN range recognized by Equifax UAT. These return synthetic credit data designed for non-production testing. Each yields a different credit profile, so what passes one rule set may fail another. See the `POST /direct/credit-pre-screening` endpoint card for full request payloads, and the full test-case catalog below for the identity payloads. **NO HIT scenarios.** When Equifax cannot find a usable file, the response is `decisionStatus: INSUFFICIENT_DATA` (`overallDecision: false`, no `ruleEvaluation`). Hit codes that produce NO HIT: `2` (no file), `3` (manual file), `8` (thin file), `A` (security freeze), `L` (file locked), `I` (potential fraud). See the endpoint description for the full table. **Full test-case catalog.** Each row is a complete identity payload you can submit to `POST /direct/credit-pre-screening`. `hit_code` is what Equifax UAT returns for that profile; rows with `hit_code = 6` come back as **No Hit** (`INSUFFICIENT_DATA`). | Test case | Hit code | Last name | First name | Middle name | Suffix | SSN | DOB | House # | Street name | Street type | City | State | ZIP | Expected | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | TC001 | 1 | XSCNF | KBJGCP | NUTIUS | | 666000001 | 19721003 | 1886 | VBPLDNRC | TRWY | TUSCALOOSA | AL | 35425 | Hit | | TC002 | 1 | GUPOUX | XIONIMK | W | | 666000002 | 19680323 | 178 | QXMMXHTTBER | SPGS | DUNCANVILLE | AL | 35456 | Hit | | TC003 | 1 | ZUWOG | HEOYRN | F | | 666000003 | 19880814 | 579 | VSNDCARRJPN | TRLR | JACHIN | AL | 36910 | Hit | | TC004 | 1 | WEDEFNZ | WNGIDW | | | 666000004 | 19960124 | 3689 | ZWNN | FLDS | HUNTSVILLE | AL | 35806 | Hit | | TC005 | 1 | RWHFX | ADAMTX | QTJAQA | | 666000005 | 19680314 | 39 | DEYNGS | LK | HUNTSVILLE | AL | 35632 | Hit | | TC006 | 1 | CGRFRUP | JDVSXOAO | P | | 666000006 | 19480821 | 990 | LRDMYH | INLT | KILLEN | AL | 35645 | Hit | | TC007 | 1 | HONF | EXZZK | U | | 666000007 | 19780102 | 2226 | JWOVCFBW | WALL | MONTGOMERY | AL | 36179 | Hit | | TC008 | 1 | HKLBRXZRZUKD | CUDBPA | G | SR | 666000008 | 19751105 | 283 | DBCTTGSB | WL | OPELIKA | AL | 36898 | Hit | | TC009 | 6 | ANIWHAYXIMGAEQ | CBDKZS | V | | 666000009 | 19570127 | 4386 | KHAHNHFI | PZ | HUNTSVILLE | AL | 35666 | No Hit | | TC010 | 1 | WXHOBJKMU | HGKGI | | | 666000010 | 19760905 | 8978 | OBIGWJCRVCVLN | PASS | FABIUS | AL | 35965 | Hit | | TC011 | 1 | EHBDFL | GLLIOPQ | M | | 666000011 | 19710723 | 63747 | ICAIB | ISLE | OPELIKA | AL | 36892 | Hit | | TC012 | 1 | NQCQYBXGITT | TVOED | | | 666000012 | 19740104 | 241 | MLYMVDEHDF | WALL | HUNTSVILLE | AL | 35623 | Hit | | TC013 | 1 | KFRFRG | YRBHU | | | 666000013 | 19851110 | 7323 | JZXPKIESVZ | VWS | BESSEMER | AL | 35022 | Hit | | TC014 | 1 | WXKBFJ | RRKOZF | OVKDWPI | | 666000014 | 19930407 | 171 | FATEULAWV | RIV | TUSCALOOSA | AL | 35434 | Hit | | TC015 | 1 | DKKIO | XGMZ | | | 666000015 | 19810215 | 9124 | WCUDLUBO | KNL | HUNTSVILLE | AL | 35635 | Hit | | TC016 | 1 | ZLFVTBWCO | ECBMC | | | 666000016 | | 4942 | LBENYFWA | CMNS | MOBILE | AL | 36652 | Hit | | TC017 | 1 | NOEZXDUMK | QVOIAGQFSMRG | | | 666000017 | 19630506 | 4303 | BNYLLICDVKOD | HT | HUNTSVILLE | AL | 35861 | Hit | | TC018 | 1 | FKWWKAMW | QZHHLZ | | | 666000018 | 19620826 | 2197 | XLUKD | TP | MONTGOMERY | AL | 36197 | Hit | | TC019 | 1 | OZBQWILJL | YBJGB | | | 666000019 | 19621017 | 49 | BEPFSSIDYL | SHLS | BIRMINGHAM | AL | 35259 | Hit | | TC020 | 1 | VSQCP | ZSJGLZP | C | | 666000020 | 19700403 | 2914 | QAPNRPR | PRT | MONTGOMERY | AL | 36018 | Hit | | TC021 | 1 | EGJYI | RMUQJK | A | | 666000021 | 19730710 | 98204 | RQ | LNDG | HUNTSVILLE | AL | 35869 | Hit | | TC022 | 1 | CYCVDMZ | SHPFFJ | R | | 666000022 | 19680408 | 76 | TUEHKQJMDMYVK | XG | VINCENT | AL | 35178 | Hit | | TC023 | 1 | IIUCVWR | KTVID | B | | 666000023 | 19560921 | 271 | TWA | SPUR | SYLVANIA | AL | 35988 | Hit | | TC024 | 1 | BIRHLOWZC | CLCGP | | | 666000024 | 19900504 | 3906 | UGSPRIUAODCW | BTM | ALPINE | AL | 35014 | Hit | | TC025 | 1 | LIQUTT | WSDTZVC | P | | 666000025 | 19750323 | 28824 | ECJPXWHKC | VL | DOTHAN | AL | 36392 | Hit | | TC026 | 1 | DBOFY | JUSQNUH | Y | | 666000026 | 19880102 | 530 | FAAQPBKSQ | VW | BUCKS | AL | 36512 | Hit | | TC027 | 1 | VDVWC | XGHAQG | I | | 666000027 | 19661108 | | ROJ | MNRS | ANNISTON | AL | 36297 | Hit | | TC028 | 1 | NHGHY | FYQJG | G | | 666000028 | 19670108 | 8807 | FMP | MEWS | OPELIKA | AL | 36819 | Hit | | TC029 | 1 | IUKHSQ | UQPGUSR | X | | 666000029 | 19961016 | 998 | VJFXZ | WAYS | MOBILE | AL | 36647 | Hit | | TC030 | 1 | MPVENU | OTVMS | S | | 666000030 | 19691107 | 1568 | RLJJXWTKQ | FT | SELMA | AL | 36757 | Hit | | TC031 | 1 | DKUBN | RKOL | V | | 666000031 | 19840704 | | LDJHXDSYHT | CS | BIRMINGHAM | AL | 35589 | Hit | | TC032 | 1 | ZHNAT | IBSXDKT | G | | 666000032 | 20030901 | 6772 | TBAVT | HBR | BIRMINGHAM | AL | 35507 | Hit | | TC033 | 1 | SLRRZJ | RXSXYEX | G | | 666000033 | 19630501 | 2388 | MPGXKHWWXTG | VL | MOBILE | AL | 36677 | Hit | | TC034 | 1 | PAMQLOH | ADJNXZ | G | | 666000034 | 19691204 | 791 | GIGUZQTTQSA | PNES | BIRMINGHAM | AL | 35107 | Hit | | TC035 | 1 | TATNX | FY | | | 666000035 | 20050225 | | WNYKANIVSH | PNES | LINDEN | AL | 36748 | Hit | | TC036 | 1 | PQUSIGXFPLIW | NPPET | | | 666000036 | 19880307 | 5697 | WXUD | FRKS | BIRMINGHAM | AL | 35158 | Hit | | TC037 | 1 | VWIUODULI | OZTHUER | G | | 666000037 | 19871201 | 766 | XJLRQXFCOU | RDG | EVERGREEN | AL | 36448 | Hit | | TC038 | 1 | EMSA | SRICIMZVG | | | 666000038 | 19541219 | 869 | TEQWHPINDTZABSE | RDGS | BIRMINGHAM | AL | 35530 | Hit | | TC039 | 6 | YXHVVO | IMAEIF | W | | 666000039 | 19840121 | 5704 | SYMFO | CRST | HUNTSVILLE | AL | 35692 | No Hit | | TC040 | 1 | MNCT | WUXAYCA | | | 666000040 | 19960527 | 340 | QKDLXIP | SMT | HUNTSVILLE | AL | 35838 | Hit | | TC041 | 1 | IMOZPCLUNZD | HLMWXM | S | | 666000041 | 19620223 | 1682 | CUGKCSE | VLY | BIRMINGHAM | AL | 35190 | Hit | | TC042 | 6 | NWLGJXNGD | TUTYI | HUWJB | | 666000042 | 19330216 | 2055530119 | EXCPLBIAZ | HY | OPELIKA | AL | 36838 | No Hit | | TC043 | 1 | BQHRI | BRYLPAJYB | R | | 666000043 | 19600111 | 308 | WOWCAXWA | ROW | HOUSTON | AL | 35572 | Hit | | TC044 | 1 | CTQSITNJAE | QBEJIZX | M | | 666000044 | 19920520 | 761 | WMZL | SQ | MARBURY | AL | 36051 | Hit | | TC045 | 6 | EWMHVW | PVVR | TYKTOE | | 666000045 | 19780321 | 3898826 | RUL | PT | HUNTSVILLE | AL | 35683 | No Hit | | TC046 | 1 | LCLPR | FQNELH | E | | 666000046 | 19660222 | 9062 | WSVSHU | CMNS | MOBILE | AL | 36680 | Hit | | TC047 | 6 | XYTCHVPZL | WMXJM | | | 666000047 | 20080512 | 8558 | UPBCQQEO | CTRS | TUSCALOOSA | AL | 35425 | No Hit | | TC048 | 1 | TURXP | WWOHISL | Y | | 666000048 | 19530823 | 4230 | TYNGZLKXC | SHRS | WADLEY | AL | 36276 | Hit | | TC049 | 1 | HRMZUB | HGNMNXA | CQFDH | | 666000049 | 19580409 | 819 | KJGOTW | FRD | HUNTSVILLE | AL | 35895 | Hit | --- Version: v3 ## Description: - `Offers IQ` () Offers IQ calls hit Equifax UAT directly in the development environment — there is no platform-side mock layer for POST /direct/credit-pre-screening. The decision (APPROVED / DECLINED / INSUFFICIENT_DATA) depends on: The rule set configured in the Customer Portal (which attributes it checks and at what thresholds)The credit data Equifax UAT returns for the submitted consumer Test SSNs. Use the 666000xxx test-SSN range recognized by Equifax UAT. These return synthetic credit data designed for non-production testing. Each yields a different credit profile, so what passes one rule set may fail another. See the POST /direct/credit-pre-screening endpoint card for full request payloads, and the full test-case catalog below for the identity payloads. NO HIT scenarios. When Equifax cannot find a usable file, the response is decisionStatus: INSUFFICIENT_DATA (overallDecision: false, no ruleEvaluation). Hit codes that produce NO HIT: 2 (no file), 3 (manual file), 8 (thin file), A (security freeze), L (file locked), I (potential fraud). See the endpoint description for the full table. Full test-case catalog. Each row is a complete identity payload you can submit to POST /direct/credit-pre-screening. hit_code is what Equifax UAT returns for that profile; rows with hit_code = 6 come back as No Hit (INSUFFICIENT_DATA). Test caseHit codeLast nameFirst nameMiddle nameSuffixSSNDOBHouse #Street nameStreet typeCityStateZIPExpectedTC0011XSCNFKBJGCPNUTIUS666000001197210031886VBPLDNRCTRWYTUSCALOOSAAL35425HitTC0021GUPOUXXIONIMKW66600000219680323178QXMMXHTTBERSPGSDUNCANVILLEAL35456HitTC0031ZUWOGHEOYRNF66600000319880814579VSNDCARRJPNTRLRJACHINAL36910HitTC0041WEDEFNZWNGIDW666000004199601243689ZWNNFLDSHUNTSVILLEAL35806HitTC0051RWHFXADAMTXQTJAQA6660000051968031439DEYNGSLKHUNTSVILLEAL35632HitTC0061CGRFRUPJDVSXOAOP66600000619480821990LRDMYHINLTKILLENAL35645HitTC0071HONFEXZZKU666000007197801022226JWOVCFBWWALLMONTGOMERYAL36179HitTC0081HKLBRXZRZUKDCUDBPAGSR66600000819751105283DBCTTGSBWLOPELIKAAL36898HitTC0096ANIWHAYXIMGAEQCBDKZSV666000009195701274386KHAHNHFIPZHUNTSVILLEAL35666No HitTC0101WXHOBJKMUHGKGI666000010197609058978OBIGWJCRVCVLNPASSFABIUSAL35965HitTC0111EHBDFLGLLIOPQM6660000111971072363747ICAIBISLEOPELIKAAL36892HitTC0121NQCQYBXGITTTVOED66600001219740104241MLYMVDEHDFWALLHUNTSVILLEAL35623HitTC0131KFRFRGYRBHU666000013198511107323JZXPKIESVZVWSBESSEMERAL35022HitTC0141WXKBFJRRKOZFOVKDWPI66600001419930407171FATEULAWVRIVTUSCALOOSAAL35434HitTC0151DKKIOXGMZ666000015198102159124WCUDLUBOKNLHUNTSVILLEAL35635HitTC0161ZLFVTBWCOECBMC6660000164942LBENYFWACMNSMOBILEAL36652HitTC0171NOEZXDUMKQVOIAGQFSMRG666000017196305064303BNYLLICDVKODHTHUNTSVILLEAL35861HitTC0181FKWWKAMWQZHHLZ666000018196208262197XLUKDTPMONTGOMERYAL36197HitTC0191OZBQWILJLYBJGB6660000191962101749BEPFSSIDYLSHLSBIRMINGHAMAL35259HitTC0201VSQCPZSJGLZPC666000020197004032914QAPNRPRPRTMONTGOMERYAL36018HitTC0211EGJYIRMUQJKA6660000211973071098204RQLNDGHUNTSVILLEAL35869HitTC0221CYCVDMZSHPFFJR6660000221968040876TUEHKQJMDMYVKXGVINCENTAL35178HitTC0231IIUCVWRKTVIDB66600002319560921271TWASPURSYLVANIAAL35988HitTC0241BIRHLOWZCCLCGP666000024199005043906UGSPRIUAODCWBTMALPINEAL35014HitTC0251LIQUTTWSDTZVCP6660000251975032328824ECJPXWHKCVLDOTHANAL36392HitTC0261DBOFYJUSQNUHY66600002619880102530FAAQPBKSQVWBUCKSAL36512HitTC0271VDVWCXGHAQGI66600002719661108ROJMNRSANNISTONAL36297HitTC0281NHGHYFYQJGG666000028196701088807FMPMEWSOPELIKAAL36819HitTC0291IUKHSQUQPGUSRX66600002919961016998VJFXZWAYSMOBILEAL36647HitTC0301MPVENUOTVMSS666000030196911071568RLJJXWTKQFTSELMAAL36757HitTC0311DKUBNRKOLV66600003119840704LDJHXDSYHTCSBIRMINGHAMAL35589HitTC0321ZHNATIBSXDKTG666000032200309016772TBAVTHBRBIRMINGHAMAL35507HitTC0331SLRRZJRXSXYEXG666000033196305012388MPGXKHWWXTGVLMOBILEAL36677HitTC0341PAMQLOHADJNXZG66600003419691204791GIGUZQTTQSAPNESBIRMINGHAMAL35107HitTC0351TATNXFY66600003520050225WNYKANIVSHPNESLINDENAL36748HitTC0361PQUSIGXFPLIWNPPET666000036198803075697WXUDFRKSBIRMINGHAMAL35158HitTC0371VWIUODULIOZTHUERG66600003719871201766XJLRQXFCOURDGEVERGREENAL36448HitTC0381EMSASRICIMZVG66600003819541219869TEQWHPINDTZABSERDGSBIRMINGHAMAL35530HitTC0396YXHVVOIMAEIFW666000039198401215704SYMFOCRSTHUNTSVILLEAL35692No HitTC0401MNCTWUXAYCA66600004019960527340QKDLXIPSMTHUNTSVILLEAL35838HitTC0411IMOZPCLUNZDHLMWXMS666000041196202231682CUGKCSEVLYBIRMINGHAMAL35190HitTC0426NWLGJXNGDTUTYIHUWJB666000042193302162055530119EXCPLBIAZHYOPELIKAAL36838No HitTC0431BQHRIBRYLPAJYBR66600004319600111308WOWCAXWAROWHOUSTONAL35572HitTC0441CTQSITNJAEQBEJIZXM66600004419920520761WMZLSQMARBURYAL36051HitTC0456EWMHVWPVVRTYKTOE666000045197803213898826RULPTHUNTSVILLEAL35683No HitTC0461LCLPRFQNELHE666000046196602229062WSVSHUCMNSMOBILEAL36680HitTC0476XYTCHVPZLWMXJM666000047200805128558UPBCQQEOCTRSTUSCALOOSAAL35425No HitTC0481TURXPWWOHISLY666000048195308234230TYNGZLKXCSHRSWADLEYAL36276HitTC0491HRMZUBHGNMNXACQFDH66600004919580409819KJGOTWFRDHUNTSVILLEAL35895Hit