Test borrower profiles

Pylon’s sandbox includes pre-configured, deterministic borrower profiles that return predictable credit reports.

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Quick reference guide

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Clean credit profiles

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John & Mary Homeowner

Clean Credit • Joint Application When to use: Baseline happy path for approvals. Use to validate your end-to-end flow before introducing complexity. Applications using these borrowers should proceed without triggering exceptions, manual review flags, or additional documentation requirements. Borrowers: Credit profile details: John Homeowner:

• Credit History: Excellent credit with no derogatory marks, late payments, or public records
• Tradelines: Well-established credit history with multiple accounts in good standing
• Payment History: All accounts current with no late payments reported
• Public Records: None
• Derogatory Marks: None
• Credit Utilization: Low utilization across all revolving accounts

Mary Homeowner:

• Credit History: Excellent credit with no derogatory marks, late payments, or public records
• Tradelines: Well-established credit history with multiple accounts in good standing
• Payment History: All accounts current with no late payments reported
• Public Records: None
• Derogatory Marks: None
• Credit Utilization: Low utilization across all revolving accounts

Joint application characteristics:

• Both borrowers have excellent credit scores across all three bureaus
• No joint accounts with negative history
• Strong combined credit profile suitable for best rates and terms
• No flags or exceptions that would require manual review

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Amy America

Clean Credit • Individual Application When to use: Clean credit individual borrower. Suitable for testing single-borrower approval flows with good credit scores. Borrower: Credit profile details:

• Credit History: Clean credit profile with excellent scores across all three bureaus
• Tradelines: Established credit history with multiple accounts in good standing
  • Credit cards with low balances and on-time payments
  • Installment loans (auto, personal) with consistent payment history
  • No mortgages or real estate loans reported
• Payment History: All accounts current with no late payments, collections, or charge-offs
• Public Records: None reported on credit file
• Derogatory Marks: No bankruptcies, foreclosures, liens, or judgments
• Credit Utilization: Low to moderate utilization, well-managed revolving accounts
• Credit Age: Established credit history demonstrating responsible credit management over time

Testing scenarios:

• Single-borrower approval flows without joint application complexity
• Standard underwriting with no exceptions or manual review triggers
• Pre-approval workflows for individual applicants
• Rate and pricing calculations for excellent credit tier

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Alice Firstimer

Clean Credit • Individual Application When to use: Clean credit individual borrower with good scores. Suitable for testing single-borrower approval flows. Borrower: Credit profile details:

• Credit History: Good credit profile with solid scores in the 700+ range across all bureaus
• Tradelines: Established credit accounts demonstrating responsible credit management
  • Mix of revolving and installment accounts
  • Accounts in good standing with consistent payment history
  • No negative account statuses reported
• Payment History: All accounts current with no late payments or delinquencies
• Public Records: None - clean public record history
• Derogatory Marks: No bankruptcies, foreclosures, tax liens, or civil judgments
• Credit Utilization: Reasonable utilization levels indicating responsible credit use
• Credit Age: Sufficient credit history to establish creditworthiness

Testing scenarios:

• First-time homebuyer scenarios (profile name suggests first-time buyer)
• Good credit tier approvals with standard underwriting
• Individual borrower workflows without credit complications
• Pre-approval processes for borrowers with good but not exceptional credit

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Lower credit scores

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Ken Customer

Lower Credit • Individual Application When to use: Manual review and qualification adjustments. Represents borrowers who may not qualify initially but could become eligible with loan structure adjustments (reducing purchase price, adding income sources, adding co-borrower, adjusting LTV ratios). Borrower: Credit profile details:

• Credit History: Lower credit scores in the 620-650 range, indicating credit challenges
• Tradelines: Credit accounts with some negative history or higher utilization
  • May include accounts with late payments or higher balances
  • Mix of revolving and installment accounts
  • Some accounts may show higher credit utilization
• Payment History: History of late payments or payment issues on some accounts
  • May include 30-day or 60-day late payments
  • Some accounts may have been past due at various times
• Public Records: Typically no major public records, but credit issues stem from payment history
• Derogatory Marks: May include collections, charge-offs, or accounts in poor standing
• Credit Utilization: Higher utilization rates contributing to lower scores
• Credit Age: Established credit history but with negative marks affecting scores

Why this profile requires manual review:

• Credit scores fall in the range where automated approval may not be granted
• Payment history issues require underwriter review
• May need loan structure adjustments to qualify (lower LTV, higher reserves, etc.)
• DTI calculations may be borderline requiring income verification

Common loan structure adjustments:

• Reducing purchase price or loan amount to improve LTV ratios
• Adding additional income sources (rental income, part-time employment, bonuses)
• Adding a co-borrower to strengthen the application
• Adjusting down payment to improve loan-to-value ratios
• Requiring higher reserves to offset credit concerns

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Late payments

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Andy America

Late Payments • Individual Application When to use: Minor late payments testing. Suitable for testing qualification adjustments when borrowers have minor credit issues but still maintain good scores. Borrower: Credit profile details:

• Credit History: Good credit scores in the 720-740 range despite minor payment issues
• Tradelines: Multiple mortgage accounts and other credit obligations
  • 2 existing mortgages - Primary residence and/or investment property mortgages
  • Credit cards and other revolving accounts
  • Installment loans (auto, personal, etc.)
• Payment History: Minor late payments reported
  • 30-day late payments on one or more accounts
  • Late payments are recent enough to impact credit but not severe enough to cause major score drops
  • Most accounts remain current with isolated late payment incidents
• Public Records: No bankruptcies, foreclosures, or major public records
• Derogatory Marks: Late payments are the primary derogatory marks; no collections or charge-offs
• Credit Utilization: Moderate utilization across revolving accounts
• Mortgage History: Existing mortgage payments may show occasional late payments (30 days)

Testing scenarios:

• Borrowers with existing mortgages applying for additional financing
• Qualification adjustments when minor credit issues exist but scores remain good
• DTI calculations with multiple mortgage payments
• Underwriting review for borrowers with payment history issues but good overall credit
• Testing how your system handles borrowers with existing real estate obligations

What to test:

• System’s ability to identify and evaluate late payment history
• DTI calculations including existing mortgage payments
• Qualification adjustments for borrowers with minor credit issues
• Manual review triggers for payment history concerns
• How existing mortgages affect new loan qualification

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Public records

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Penny Public

Public Records • Bankruptcy • Individual Application When to use: Bankruptcy testing. Use to test denial workflows, escalation paths, or waiting period calculations. Should trigger your system’s denial workflows or escalation paths. Borrower: Credit profile details:

• Credit History: Credit scores in the 640-670 range, significantly impacted by bankruptcy
• Tradelines: Credit accounts affected by bankruptcy filing
  • Accounts included in bankruptcy discharge
  • Some accounts may show “included in bankruptcy” status
  • Rebuilding credit with new accounts post-bankruptcy
  • Limited credit history since bankruptcy discharge
• Payment History: Payment history since bankruptcy may be good, but bankruptcy remains on record
  • Accounts opened post-bankruptcy should show current payment status
  • Pre-bankruptcy payment history shows defaults and charge-offs
• Public Records:
  • Bankruptcy filing on credit report (Chapter 7 or Chapter 13)
  • Bankruptcy discharge date determines waiting period requirements
  • Bankruptcy remains on credit report for 7-10 years depending on type
• Derogatory Marks:
  • Bankruptcy is the primary derogatory mark
  • Accounts discharged in bankruptcy
  • May include collections or charge-offs from pre-bankruptcy period
• Credit Utilization: Lower utilization expected due to limited credit post-bankruptcy
• Credit Age: Credit history includes pre-bankruptcy accounts (negative) and post-bankruptcy accounts (rebuilding)

Bankruptcy details:

• Bankruptcy type (Chapter 7 or 13) affects waiting periods and qualification requirements
• Discharge date determines how long borrower must wait before qualifying
• Typical waiting periods: 2-4 years for Chapter 7, 1-2 years for Chapter 13 (varies by loan program)
• Borrower must provide bankruptcy discharge papers for underwriting review

Testing scenarios:

• Automatic denial workflows for recent bankruptcies
• Waiting period calculations based on bankruptcy discharge date
• Escalation to senior underwriters for bankruptcy review
• Documentation requirements (discharge papers, explanation letters)
• Manual underwriting processes for post-bankruptcy borrowers
• Testing business rules for bankruptcy waiting periods

What to test:

• System correctly identifies bankruptcy on credit report
• Automatic denial triggers for borrowers within waiting period
• Manual review escalation for borrowers outside waiting period
• Documentation collection workflows (discharge papers)
• Waiting period calculations based on discharge date and loan program
• Underwriting exception handling for bankruptcy cases

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Related resources

• Sandbox environment setup - Configure authentication for the sandbox environment
• Credit pulls guide - Learn how to pull credit using these test profiles
• Complete integration guide - Build end-to-end workflows to test with these profiles
• Tracking loan updates - Monitor credit pull status and loan changes during testing