Getting Identity Questions

Getting and answering the Identity Questions is probably the trickiest part of the whole process. That's partly because we're dealing with a third party API in addition to our own. While the credit bureau's production API seems to be pretty steady, the QA API is less reliable. So, sometimes you're going to get a 409 (Conflict) HTTP Response Code and it's just because the credit bureau API isn't available.

During testing with http://demo.firstonboard.net you will need to use the credit bureau QA Consumers as your Merchant Owners in order for the Identity process to work correctly. You can get a spreadsheet of users (with identity answers) from the API Support Team.

When you request Identity Questions, the API takes the Application ID you give it and goes into the tables to pull the Owner Information that was entered in the Application in order to construct a call to the credit bureau. Many times, if you get errors back trying to get Identity Questions, it's because there's something wrong with the Owner Information. You should double-check the First Name, Last Name, Address, and the Social Security Number.

Please read any error messages you get carefully. It will be a 409 (Conflict) HTTP Response with a Reason Phrase.

Reason Phrase Explanation
Unable to validate merchant information, please contact your sales representative. Something in the Consumer Information is incorrect. Check: First Name, Last Name, Address, Social Security Number.
An error occurred. Please contact your sales representative concerning your application. Error Code: 9001 Consumer is reported as deceased.
An error occurred. Please contact your sales representative concerning your application. Error Code: 9013 Consumer record is frozen.
An error occurred. Please contact your sales representative concerning your application. Error Code: 9017 Consumer is in Nevada.

Example Request

GET https://demo.firstonboard.net/api/office/208101/identityquestionset/25459

Example Response

    {
  "SessionID": "683D80FE98E71BD9B7D09A42E37E5022.pidd1v-1503012305120210878631872",
  "Questions": [
    {
      "Number": 1,
      "Text": "\nWhich of the following is the highest level of education you have completed?  If there is not a matched educational level, please select 'NONE OF THE ABOVE'.",
      "Choices": [
        {
          "Number": 1,
          "Text": "\nHIGH SCHOOL DIPLOMA"
        },
        {
          "Number": 2,
          "Text": "\nSOME COLLEGE"
        },
        {
          "Number": 3,
          "Text": "\nBACHELOR DEGREE"
        },
        {
          "Number": 4,
          "Text": "\nGRADUATE DEGREE"
        },
        {
          "Number": 5,
          "Text": "\nNONE OF THE ABOVE\/DOES NOT APPLY"
        }
      ]
    },
    {
      "Number": 2,
      "Text": "\nAccording to our records, you currently own\/lease, or have owned\/leased within the past year, one of the following vehicles. Please select the vehicle that you purchased or leased prior to March 2013  from the following choices.",
      "Choices": [
        {
          "Number": 1,
          "Text": "\nGMC 3500 PICKUP"
        },
        {
          "Number": 2,
          "Text": "\nAUDI ALLROAD"
        },
        {
          "Number": 3,
          "Text": "\nMAZDA PICKUP"
        },
        {
          "Number": 4,
          "Text": "\nFORD RANGER"
        },
        {
          "Number": 5,
          "Text": "\nNONE OF THE ABOVE\/DOES NOT APPLY"
        }
      ]
    },
    {
      "Number": 3,
      "Text": "\nYou may have opened a mortgage loan in or around April 2013. Please select the dollar amount range in which your monthly mortgage payment falls. Refer only to the regular monthly payment which includes principal, interest, and escrow (escrow could include taxes and insurance if collected by lender). If you have not had a mortgage payment now or in the past, please select 'NONE OF THE ABOVE\/DOES NOT APPLY'.",
      "Choices": [
        {
          "Number": 1,
          "Text": "\n$620 - $819"
        },
        {
          "Number": 2,
          "Text": "\n$820 - $1019"
        },
        {
          "Number": 3,
          "Text": "\n$1020 - $1219"
        },
        {
          "Number": 4,
          "Text": "\n$1220 - $1419"
        },
        {
          "Number": 5,
          "Text": "\nNONE OF THE ABOVE\/DOES NOT APPLY"
        }
      ]
    },
    {
      "Number": 4,
      "Text": "\nWhich of the following is a current or previous employer? If there is not a matched employer name, please select 'NONE OF THE ABOVE'.",
      "Choices": [
        {
          "Number": 1,
          "Text": "\nSMITH BROTHERS P HEATING"
        },
        {
          "Number": 2,
          "Text": "\nPRUDENTIAL"
        },
        {
          "Number": 3,
          "Text": "\nWORLDCOM"
        },
        {
          "Number": 4,
          "Text": "\nLIGHTNING TRANS"
        },
        {
          "Number": 5,
          "Text": "\nNONE OF THE ABOVE\/DOES NOT APPLY"
        }
      ]
    },
    {
      "Number": 5,
      "Text": "\nWhich of the following is a previous phone number of yours? If there is not a matched phone number, please select 'NONE OF THE ABOVE'.",
      "Choices": [
        {
          "Number": 1,
          "Text": "\n(205)228-8650"
        },
        {
          "Number": 2,
          "Text": "\n(205)215-6115"
        },
        {
          "Number": 3,
          "Text": "\n(205)216-7383"
        },
        {
          "Number": 4,
          "Text": "\n(205)224-1240"
        },
        {
          "Number": 5,
          "Text": "\nNONE OF THE ABOVE\/DOES NOT APPLY"
        }
      ]
    }
  ]
}