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AcuCheck Quickstart Guide
This guide provides a concise walkthrough of the AcuCheck platform and explains how lenders initiate customer requests, collect financial data, generate reports, and evaluate DTI outcomes. It offers a high-level overview of AcuCheck’s workflows, status handling, and decision-support capabilities, preparing users for detailed, screen-by-screen guidance in subsequent sections.
Introduction
AcuCheck is a financial analysis platform used to generate customer reports, evaluate income and obligations, and calculate debt-to-income (DTI) scores to support affordability and risk decisions. It consolidates customer financial data into structured reports that reflect transaction behavior, income patterns, recurring payments, and available balances.
How It Works
AcuCheck integrations follow a structured, status-driven workflow that moves customer financial data from request initiation to decision-ready affordability outcomes. Each step in the flow is tied to a defined API interaction and produces traceable results that remain associated with the customer and report request.

AcuCheck Quickstart Guide
This guide provides a concise walkthrough of the AcuCheck platform and explains how lenders initiate customer requests, collect financial data, generate reports, and evaluate DTI outcomes. It offers a high-level overview of AcuCheck’s workflows, status handling, and decision-support capabilities, preparing users for detailed, screen-by-screen guidance in subsequent sections.
- Introduction
  AcuCheck is a financial analysis platform used to generate customer reports, evaluate income and obligations, and calculate debt-to-income (DTI) scores to support affordability and risk decisions. It consolidates customer financial data into structured reports that reflect transaction behavior, income patterns, recurring payments, and available balances.
  - Quickstart Setup
    To begin using AcuCheck, your integration must be able to make HTTPS requests and exchange JSON payloads using the Content-Type: application/json header. All secured operations require authentication and are performed within an authenticated session.
  - Create Your First Report
    In AcuCheck, the first object you typically create is a customer report request. A report request initiates the collection of customer financial information and serves as the foundation for debt-to-income (DTI) calculation and affordability assessment.
  - How It Works
    AcuCheck integrations follow a structured, status-driven workflow that moves customer financial data from request initiation to decision-ready affordability outcomes. Each step in the flow is tied to a defined API interaction and produces traceable results that remain associated with the customer and report request.
  - Making API Requests
    All AcuCheck API requests must be made over HTTPS and use JSON request and response bodies. Requests that interact with secured platform capabilities require authentication and must include a valid access token in the request headers.
  - Next Steps
    After completing the AcuCheck Quickstart, you can extend your integration to support additional affordability assessment workflows and operational capabilities.
- Features of AcuCheck
  AcuCheck provides a structured set of features that help lenders collect customer financial information, manage report requests, calculate debt-to-income (DTI) ratios, and monitor request activity across the full reporting lifecycle. The platform combines dashboard-level visibility with detailed report views and configurable settings, allowing teams to operate consistently while maintaining control over customer interactions and data flow.
- Advantages of AcuCheck
  AcuCheck offers lenders a streamlined approach to assessing customer affordability by combining report-driven financial data, debt-to-income (DTI) calculations, and configurable controls within a single platform. Its design focuses on reducing operational friction while improving consistency, transparency, and decision readiness across lending workflows.
- Customer Report and DTI Flow
  The Customer Report and DTI flow in AcuCheck describes how the customer financial information moves through the platform from request initiation to debt-to-income (DTI) evaluation resulting in a structured, decision-ready affordability outcome. This flow is designed to minimize manual effort while maintaining visibility, consistency, and traceability across every stage.
- Understanding Report Status and DTI Outcomes
  AcuCheck provides clear status indicators and debt-to-income (DTI) outcomes to help lenders track report progress and interpret affordability results with confidence. Together, report status and DTI outcomes create a complete picture of where a customer stands in the assessment lifecycle and how their financial capacity aligns with organizational thresholds.

How It Works

AcuCheck integrations follow a structured, status-driven workflow that moves customer financial data from request initiation to decision-ready affordability outcomes. Each step in the flow is tied to a defined API interaction and produces traceable results that remain associated with the customer and report request.

First, your application authenticates with AcuCheck and establishes a secure session using the authentication endpoint. The issued access token represents the authenticated identity and must be included with all secured requests.

Once authenticated, your application creates or references a customer record. Customer records act as the anchor for report requests and allow AcuCheck to maintain continuity across repeat assessments without duplicating customer data.

After a customer is available, your application initiates a report request. This request generates a secure link that is delivered to the customer through the configured communication channels. AcuCheck tracks the request lifecycle and updates its status as the customer submits the required financial information.

As financial data is received, AcuCheck consolidates the submitted information into a structured customer report. This report becomes the authoritative source for affordability assessment and downstream calculations.

When a report reaches a completed state, AcuCheck evaluates the consolidated data and calculates debt-to-income (DTI) values using standardized logic defined within the platform. Calculated DTI results are then evaluated against organization-specific thresholds configured in the system settings.

Throughout this process, report status and outcomes remain accessible through the platform and API. This allows integrations to monitor progress, retrieve finalized results, and respond appropriately to completed, pending, expired, or failed requests.

By separating authentication, customer management, report generation, and DTI evaluation into clearly defined steps, AcuCheck ensures that affordability assessments remain consistent, traceable, and aligned with organizational policies.