Supporting loan documents
The documents below are acceptable as identification to support the loan process.
If you send in a loan with attachments and the loan remains in the status Received, instead of moving into the status DocsComplete, check the naming format.
The naming format of the attached documents is checked by a regex to verify that we received the required documents in the correct naming format. If we didn't receive the required documents or they weren't named properly, the loan will stay in Received.
The naming convention format of a document should be as follows:
{ArixLoanGUID}-{Suffix}.{File Extension}
For example:
The credit report pdf for loan:
c5d3412a-f373-467b-b10f-7200e5e7582d should be named c5d3412a-f373-467b-b10f-7200e5e7582d-CR.pdf
For more information about adding loan documents, click here.
Note
We prefer that you send documents by XML or JSON. If necessary, you can send documents by PDF. The format needs to be agreed upon during the integration process.
Identification documents
Document type | Naming convention suffix |
|---|---|
Credit report | -CR |
Drivers license | -DL |
Passport | -PP |
Permanent resident card | -RC |
Work Visa | -WorkVisa |
Debit card | -DC |
Credit card | -CC |
Social Security card | -SC |
Selfie | -SLF |
State Issued ID | -SID |
Proof of Address | -POA |
Rental Lease Agreement | -LeaseAgreement |
Miscellaneous ID documents | -MID |
Credit documents
Document type | Naming convention suffix |
|---|---|
Credit report | -CR |
Credit report (soft pull) | -CR-SP |
Credit report (hard pull) | -CR_HP |
Pagaya credit model | -CRM_PGY |
Loan documents and disclosures
Document type | Naming convention suffix |
|---|---|
Promissory note | -PN |
Truth in Lending agreement | -TL |
Loan Agreement | -LA |
Loan Application | -LApp |
Preauthorized Transfer | -PreAuthTrn |
Credit Score Disclosure Notice | -CreditScoreDisclosure |
Miscellaneous loan documents | -MiscLoanDocs |
Income verification documents
Document type | Naming convention suffix |
|---|---|
Pay stub | -PS |
Additional pay stub | -PayStubAdditional |
Previous pay stub | -PayStubPrevious |
Tax return | -TR |
Tax lien release | -TaxLienRelease |
Form W2 | -W2 |
Social Security Award letter (SSA) | -SS |
Pension/retirement benefit statement | -RS |
Bank statement | -BS |
Bank transaction history | -BankTransactionHistory |
Credit card statement | -CreditCardStatement |
Credit card balances | -CreditCardBalances |
Form 1099 | -MI |
Various income verification documents | -IV |
Other documents for verification
Document type | Naming convention suffix |
|---|---|
Voided check | -VC |
Education-related document | -ED |
Call Center Call log | -CallLog |
Trusted 3rd party documents
Document type | Naming convention suffix |
|---|---|
LexisNexis | -LN |
LexisNexis FraudPoint | -LNF |
LexisNexis InstantID | -LNI |
LexisNexis OFAC | -LNO |
LexisNexis Emailage | -LNEmail |
Yodlee | -YOD |
Equifax eID | -EID |
TransUnion TLO | -TLO |
TransUnion IDVision | -IDV |
TransUnion TruValidate | -TVAL |
Experian PreciseID | -PID |
GIACT | -GCT |
GIACT gVerify | -GV |
GIACT gIdentity | -GI |
GIACT gAuthenticate | -GAuth |
Clarity | -CTY |
Socure | -SO |
Thomson Reuters Clear ID | -TRCID |
Alloy Identity Decisioning Platform | -ALY |
Onfido Facial Similarity | -OFS |
SentiLink Synthetic - | -SNTLF |
Cognito Identity Verification and Watchlist Screening | -CGNTIDWS |
Bureau Van Dyke - Review | -BVDReview |
Pinwheel Employment Verification | -PEV |
DecisionLogic Income Verification | -DcsnLgcIV |
Comply Advantage | -CmplyAdvt |
SentiLink eCSBV service | -eCBSV |
Ekata Account Opening | -EkataAccount |
Updated 12 days ago