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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.
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.

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.

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.

After successful authentication, the access token must be passed with each request to authorize operations such as customer creation, report requests, report retrieval, and debt-to-income (DTI) evaluation. AcuCheck validates the token on every call to confirm that the request is associated with an active, authenticated session. If the token is missing, expired, or invalid, the request is rejected and must be retried after re-authentication.

AcuCheck enforces permission checks in addition to authentication. Even when a request is authenticated, the platform evaluates whether the authenticated identity has the required permissions to perform the requested action. Requests that exceed the permitted scope are rejected to ensure controlled access to customer financial data and platform configuration.

All API responses follow a structured format. When a request is processed successfully, AcuCheck returns the requested resource or outcome data. When an error occurs, the platform returns a structured error response that includes status information and descriptive details. These responses allow client applications to determine whether corrective action is required, such as adjusting request data, validating permissions, or re-establishing authentication.

Requests that initiate or retrieve report-related data are tightly coupled to report status. Some operations are valid only when a report is in a specific state. For example, DTI outcomes are available only after a report has reached a completed state. This status-aware behavior ensures that results are based on finalized, consolidated customer data.

By enforcing secure transport, token-based authentication, permission validation, and structured responses, AcuCheck ensures that API interactions remain predictable, auditable, and aligned with the platform’s affordability assessment workflows.